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CSA 2010 - A Safety Program for the Future

Comprehensive Saftey Analysis 2010, or CSA 2010, is a major Federal Motor Carrier Safety Administration (FMCSA) initiative to improve the effectiveness of FMCSA's compliance and enforcement programs. Its ultimate goal is to achieve a greater reduction in large truck and bus crashes, injuries, and fatalities, while making efficient use of the resources of FMCSA and its state partners.

CSA 2010 is the new method by which FMCSA and its state partners will manage compliance and enforcement programs. This new model will feagure a more comprehensive measurement system, a safety fitness determination methodology that is based on performance data and not necessarily tied to an on-site compliance review, and a broader array of progressive interventions.

For more information, visit the FMCSA website here: CSA 2010.

As always, your Truck Writers agent is prepared to help you with CSA 2010 or any of your other industry and insurance needs!


HACKER INSURANCE
A coverage that protects businesses engaged in electronic commerce from losses caused by hackers.
HARD MARKET
A seller's market in which insurance is expensive and in short supply. (See Property/casualty insurance cycle)
HOMEOWNERS INSURANCE POLICY
The typical homeowners insurance policy covers the house, the garage and other structures on the property, as well as personal possessions inside the house such as furniture, appliances and clothing, against a wide variety of perils including windstorms, fire and theft. The extent of the perils covered depends on the type of policy. An all-risk policy offers the broadest coverage. This covers all perils except those specifically excluded in the policy.

Homeowners insurance also covers additional living expenses. Known as Loss of Use, this provision in the policy reimburses the policyholder for the extra cost of living elsewhere while the house is being restored after a disaster. The liability portion of the policy covers the homeowner for accidental injuries caused to third parties and/or their property, such as a guest slipping and falling down improperly maintained stairs. Coverage for flood and earthquake damage is excluded and must be purchased separately. (See Flood insurance; Earthquake insurance)

HOUSE YEAR
Equal to 365 days of insured coverage for a single dwelling. It is the standard measurement for homeowners insurance.
HURRICANE DEDUCTIBLE
A percentage or dollar amount added to a homeowner's insurance policy to limit an insurer's exposure to loss from a hurricane. Higher deductibles are instituted in higher risk areas, such as coastal regions. Specific details, such as the intensity of the storm for the deductible to be triggered and the extent of the high risk area, vary from insurer to insurer and state to state.
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