Monthly Archive March 27, 2019

truck cargo insurance providers

Extending Your Liability Coverage to Freight

If you are a commercial load hauler, you are already familiar with the insurance requirements established by the FMCSA. General liability limits include coverage for property damage, bodily injury and environmental restoration. For more comprehensive attention to your actual load liability, truck cargo insurance providers will tell you about the need for cargo coverage.

With cargo insurance, your freight or load in transit is covered in case of incidents involving fire, collision, theft or striking a load during loading or unloading activities. Some of the policies will also be written to address costs incurred for cleanup up of loads that have spilled. This means paying for costs to firefighting or hazard teams sent to contain a situation.

When you get ready to talk to truck cargo insurance providers, you will need to have an idea of how much coverage you want. This should take into account the types of loads you often haul, as you get to determine the limits and deductibles you want to set.

Cargo insurance isn’t available for all loads. Some of the categories often excluded include:

  • Live animals
  • Jewelry
  • Art
  • Explosive or radioactive materials
  • Contraband
  • Pharmaceuticals

Check with your broker about items that qualify for coverage. Ensure that your freight is protected during all incidents. It is better to err on the side of caution with both driving and administrative actions.

Western Truck Insurance

Pros and Cons of Truck Ownership

If you are lucky enough to own a truck, then you are lucky enough. Having a truck sitting in the driveway is as American as apple pie! Patriotic sentiments aside, a truck is a great investment that provides many benefits to its owner. Here are just a few of the pros and cons of truck ownership:

Trucks are Reliable

Pro: As with any product, everybody favors a different brand. It doesn’t matter if you’re a Ford, Chevy or Dodge person; American-made trucks are crafted with quality and precision that manufacturers can be proud of. Being insured with Western Truck Insurance adds another layer of dependability to your truck.

Con: All your neighbors can also see how reliable it is, so they ask to borrow it for an IKEA run from time to time. Since you are insured with Western Truck Insurance, this is only a minor inconvenience.

They Were Built for Heavy Use

Pro: Weekend chores are no problem because you are able to transport big loads. The lawnmower, 5 50-pound fertilizer bags and the dog’s kennel all fit comfortably in the bed of the truck.

Con: “Hey, can you help me move?”

Owning a truck comes with all the perks but only some of the hassle. Take those in their stride as you hit the road with the smell of sweet diesel in your wake.

Orlando workers compensation insurance

Workers Compensation: What It Covers and What Are The Requirements?

Are you looking for Orlando workers compensation insurance? Before you sign up for a new policy, here is what you should know about what it entails and the coverage requirements that are applicable to the state of Florida.

What Does It Cover?

Workers compensation protects you and your employees in case one of them becomes ill or suffers an injury because of work-related activity. Not only will your policy cover the medical costs associated with the incident, but it will also cover rehab expenses and pay for lost wages while he or she is out of the office. In case of death, your policy can make payments for which you’re liable to the employee’s beneficiaries.

What Are The Governing Laws?

The laws for workers compensation vary by state. Some states require that you carry workers compensation as soon as you have one employee while others have more lenient requirements. For Florida, the requirements vary depending on your industry.

Construction: coverage is required starting with your first employee, including the owners.
Non-construction: coverage is required starting with the fourth employee, not including sole proprietors or partners in a partnership.
Agricultural: coverage is required when you reach six regular employees or 12 seasonal employees who work at least 30 days in a season and up to 45 days in a year.

There are other guidelines that pertain to how contractors and out-of-state employers are handled. Work with an agent experienced with Orlando workers compensation insurance to craft a policy that meets your needs and the local requirements.