Category

Insurance Coverages

Why Every Trucking Firm Needs to Have a Good Lawyer on Speed Dial

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Today, I wanted to share with you my thoughts on why every trucking firm needs to have a good lawyer on speed dial. As most of you know, primary auto liability provides legal defense against auto-related injuries and property damage. Trucking is a complex business that involves dealing with multiple parties: drivers, shippers, brokers, government, other motor carriers. Read more…

 

Multiple Agents Bidding Is A Mistake

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We receive numerous calls every day from truckers looking to discuss their insurance programs. Most of our conversations are from truckers looking for ways to reduce their annual premium. And, most times we discover they’ve also spoken with a handful of other insurance agents as well. It’s a common misconception among truckers that having multiple insurance agents work on a quote, the better (and lower) your insurance premium will be. After all, isn’t competition healthy? Well, yes … but mostly, no. Read on to find out why

 

Employee or independent contractor?

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Trucking companies often like to call their drivers “independent contractors” for various reasons. First main reason is tax advantage: Independent Contractors are responsible for the entire part of their Medicare / Social Security taxes. They are exempt from state workers compensation. There is also the doctrine of imputed tort liability and the trucking company is not legally responsible for the actions of the drivers.

Cargo Shift Truck Accidents

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FMCSA data show that cargo shifts are one the leading causes of heavy truck accidents. The results can be devastating – damaged truck and cargo loss, other vehicles on the road endangered, heavy injuries or even death. Such disastrous crashes can be avoided if the people responsible for the secure loading of the truck do their job. Who Bears Responsibility? Find out now.

Cargo Insurance Gaps

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Have you checked your cargo coverage lately? If you’re like the majority, you advise your agent of the limit you need at renewal and forget about it for the remainder of the year unless you have the misfortune of having a claim. In most cases the cargo claim is handled without any problem, however, in some cases the claims don’t go as smoothly as planned.  Continue reading…