Cyber Liability: An Overlooked Necessity in 2017

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No matter the type of business you’re in, scammers and hackers always seem to be knocking at the door. Whether an email attachment caused a breach in the firewall or a hacker leaked confidential information, Cyber Liability Insurance provides coverage for the services needed to regain your customers’ and the public’s trust. Why Cyber Insurance? Flashback […]

Trucking Safety Tip of the Month: Driver Fatigue

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Driver fatigue is experienced on the roadway every day. Based on data contained in the NHTSA’s 2013 Fatality Analysis Reporting System (FARS), there were 59 fatal crashes involving a large truck where the truck driver was coded as being “asleep or fatigued.” While these crashes only accounted for 1.7 percent of all large truck fatal […]

Rent-a-Captives as a Trucking Insurance Solution

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Rent-a-Captives Rent-a-captives, as well as other captive and self insurance options, are great for trucking companies who are looking to stabilize insurance costs. However, since not all trucking companies are capable of undertaking the formation of their own captive, rent-a-captives are the ideal solution. A rent-a-captive is defined as “an arrangement whereby a capital base is accessed […]

Top Questions: Do I Need to File for a DBA?

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In an effort to help those within the trucking industry better understand trucking insurance, Truck Writers publishes its Top Questions posts. These posts are inspired by real questions submitted through our Ask the Expert portal. This post will cover when a truck driver or trucking business should file for a DBA. What is a DBA? Every business […]

Trucking Safety Tip of the Month: Traffic Control Devices

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According to OSHA, a traffic control device is a sign, signal, marking or other device placed on or adjacent to a street or highway (by authority of a public body or official having jurisdiction), to regulate, warn, or guide traffic. Most commonly this means traffic signals, regulatory and warning signs, and all pavement markings. The failure […]

Top Questions: Deadheading vs. Backhauling

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In an effort to help those within the trucking industry better understand trucking insurance, Truck Writers publishes its Top Questions posts. These posts are inspired by real questions submitted through our Ask the Expert portal. This post will cover the difference between deadheading and backhauling. Deadheading vs. Backhauling Typically in trucking, the driver is hauling a load […]

Trucking Safety Tip of the Month: Distracted Driving

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Distracted Driving Statistics There are three types of distracted driving a driver can face while operating his or her vehicle—visual, manual, cognitive. According to the National Highway Traffic Safety Administration (NHTSA), these three types of distracted driving claimed 3,477 lives in 2015 alone. This is one of the reasons why Truck Writers’ 2017 blog series is […]

What is a Workers’ Compensation Self-Insurance Program?

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Workers’ Compensation Self-Insurance Programs Typically, employers pay a fixed premium to an insurance carrier for workers’ compensation coverage. However, employers may choose to go the self-insurance route, wherein the employer assumes the financial risk for providing workers’ compensation benefits to its employees. In other words, self-insured employers pay the cost of each claim ‘out of pocket’ as […]

The Importance of Reading Your Operating Agreement

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The operating agreement between a motor carrier and an independent contractor is the lifeblood of the relationship. At stake are many legal and regulatory issues; not to mention the mutual profitability of both parties. What is an Operating Agreement? In simple terms, the lease/contract defines the parties involved and what the obligations are of each party. […]