Insurance Insights

Trucking insurance policies are typically designed to protect carriers and drivers from losses caused by accidents, equipment breakdowns and severe weather. But there’s another common risk that is often overlooked in relation to these events—lost or damaged cargo.

Struck-by vehicle hazards are commonplace on most if not all construction sites. For example, picture this scenario: A contractor is operating a backhoe when an employee attempts to walk between the swinging superstructure of the backhoe and a concrete wall. As the employee approaches from the operator’s blind side, the backhoe’s superstructure swings in the same direction. This seemingly routine action ends with the employee being struck, resulting in life-threatening injuries.

While the COVID-19 crisis has seemingly upended the entire world, the light at the end of the tunnel is becoming brighter with each passing day. This is great news for businesses across the country. Yet, in the wake of the pandemic, organizations will need to adapt to a number of fundamental workplace changes.

On the surface, lowering your coverage—like comprehensive or collision—to the lowest legal level might seem like a good way to lower your premium. But it could also put you at significant risk. For example, if you lower or eliminate your collision coverage, you could end up paying out-of-pocket for expensive repairs resulting from an auto accident. To help avoid a situation like this, it’s important to learn the basics of auto insurance protection.

The value of a comprehensive safety culture cannot be overstated when it comes to reducing workplace illnesses and injuries, and their associated costs. But creating such a culture is not an overnight process or “flavor of the month” program. Instead, it is a multi-year, top-management commitment that results in an organization with low accident rates, low turnover, low absenteeism and high productivity. This is a big-picture, long-term project.

Any person who has been involved in a motor vehicle collision will tell you it can be a stressful experience. Whether or not you are at fault, it can be easy to feel overwhelmed and confused. If you’re in an accident with a company vehicle, in addition to any reporting requirements your employer may have, there are important post-crash steps you should keep in mind...

Sleep apnea is a dangerous condition that affects more trucking professionals than you might think. In fact, According to a recent study sponsored by the Federal Motor Carrier Safety Administration (FMCSA), nearly 30% of commercial truck drivers experience mild to severe sleep apnea.

Theft on a construction job site can be of particular concern as expensive materials, tools and machinery are often left in plain sight or are easily accessible to criminals. Discovering you have thousands, or even hundreds of thousands of dollars worth of equipment and materials missing from a job site is, by itself, devastating.