Five Things To Consider This Winter That Can Impact Your Insurance

Avoiding Frozen Pipes

When the temperatures drop in the winter, there is a possibility that your water pipes could freeze. Since water expands when it freezes, there is a chance that a pipe could burst, which could cause major damage to your home. To avoid this from happening, install frost-proof hose bibs, find and wrap exposed water pipes and keep garage doors closed.

Driving in the snow and ice

Auto accidents during the winter are often related to slick roads and driving in poor weather conditions. Whether you live in a climate that gets yearly snow and icy roads or you are traveling to a climate that does, every driver should have the knowledge for driving in these conditions.

A few things to consider:

  • If your vehicle starts to slide on the road, take your foot off the gas until you regain traction. While it can be natural to want to slam on your brakes, try not to do this.
  • Make sure your vehicle has plenty of windshield washer fluid. The last thing you want to do is run out of fluid on muddy, frozen roads and have it impact your visibility.
  • Always check weather conditions. If conditions are bad and you still have to make your trip, allow yourself extra time to get to your destination. This allows you to drive slower as well as give yourself more distance between other cards on the road.

Liability concerns regarding ice or tripping hazards in your driveway

With more people doing home delivery for groceries, gifts and other necessities during the pandemic it is important to keep your delivery area clear of hazards. Avoid being held liable for a slip and fall injury claim by keeping your driveway and stairs clear of hazards for your delivery drivers. Keep extension cords tucked safely away, make sure steps and driveways are free of ice and slippery surfaces are scrubbed clean. A huge thank you to delivery drivers everywhere.

Review your policy

Life changes, so should your insurance policy. If you need an agent to review your current insurance policy, reach out to us! There are many scenarios where an update to your insurance policy may be necessary. Items such as a kitchen remodels, a big-ticket purchase like jewelry, art, collectibles or antiques or if you are driving less to name a few. If you are shopping prices or want to change your coverage, reach out to us. We can shop all our insurance carriers and help you find a policy that suits your budget and coverage requirements. We will always explain your coverage options too.

Watching for rodents

Rodent damage isn’t always covered by your home insurance policy. Rodents are always looking for a warm place during the winter months and likely would prefer to enter your home if given the opportunity.

Here are a few tips:

  • Cover all holes and gaps in your crawlspace by checking your screens and access panels.
  • Never store food in your garage or crawlspace. Also leave your pet food in a safe place. It can be stored high on racks or in an airtight container.

If you suspect a rodent may be in your crawlspace, consider calling a professional to come out and look.

Why Every Trucking Company Should Consider A General Liability Insurance Policy

General Liability Insurance Roseville, California

General Liability Insurance Roseville, CaliforniaWhen it comes to insuring your trucking company, there is a lot to consider. Not only do you need to protect your own valuable rig, cargo you transport and others on the road from property damage and injury in the event of an accident.

One risk that we discuss with most clients of ours is a General Liability Insurance policy. General Liability covers a wide range of claims made against you including, but not limited to medical expenses incurred, property damage and bodily injury claims.

Why does my trucking company need a General Liability Insurance Policy?

Most businesses should carry a general liability policy to protect the business you’ve built. Accidents happen and when they do, it is better to be over-protected, than underinsured.

How much does General Liability Insurance Cost?

The cost of a general liability policy is much less than the cost to insure a commercial truck because claims are far less frequent and typically less severe. The only way to find out what your costs would be is to contact an agent in our office to get a quote. We take only a few minutes to produce and then you can decide if this is the right option for your trucking business.

What are some examples of General Liability Insurance Claims?

  • A customer visits your office and trips on a tie down strap left in the parking lot
  • Your driver loses his temper and causes bodily injury to another person while working for you.
  • You drive over an area closed off from traffic and cause some exposed pipes to collapse

Please note that all claims are subject to an investigation and the examples above are for illustrative purposes only.

Not every company would be eligible for trucker’s general liability policies. For instance, some companies exclude fleet companies from having a truckers GL policy.

Because we specialize in truck insurance, we can help you determine the right amount of coverage and the company that fits your needs best. We represent many of the top-rated insurance companies in California, Nevada, Texas, Arizona, Oklahoma, Idaho, Oregon, Washington, Arkansas, Illinois, Colorado, Florida, and Utah!

Enjoy peace of mind while you’re on the road knowing our team of licensed commercial truck insurance agents have reviewed your coverage and helped you get the best coverage at the best pricing.

What is AB5 and How Does It Impact My Trucking Business

AB5 and Your Truck Insurance Business in California

AB5 and Your Truck Insurance Business in CaliforniaAB5 is a piece of California legislation that targeted the “gig worker.” Gig workers are those workers who earns a living by non-traditional work such as driving an Uber or other for-hire work.

AB5 was meant to reclassify some independent contractors as employees and went into effect in January of 2020.

Independent owner-operator truck drivers are viewed by many as gig workers. However, truck drivers seem to have skirted the new law. While the history of why the trucking industry has been exempt dates to the 90s, it is a temporary win for the trucking industry not only in California, but as an example to other states who might try and implement similar rules.

What does the future of AB5 look like for truckers?

For now, whether the trucking industry will be impacted by the AB5 law, is to be seen. As the countless lawsuits and impact from the AB5 law unfolds, we will undoubtedly see the laws definitions change. In fact, as of writing this, Uber & Lyft both won exemptions from the new law under proposition 22.

What was Prop 22?

Proposition 22 was, by design, meant to give app-based drivers an exception to the AB5 law. The vote passed in the November election by over 58%. This is good progress when it comes to how the trucking industry might be looked at in the future.

As we have stated earlier, we strongly believe that the trucking industry has a powerful platform capable of great influence regarding reform of AB5 which will help the legislators revise the current law to protect the disadvantaged it was intend to, but also create an even stronger transportation industry. While we’ve seen positive progress in excluding the Trucking industry from AB4, we believe with understanding and perseverance, our clients will help shape revisions to AB5 that will have lasting positive effects on the industry for generations of successfully independent truckers to come!

If you have questions about your truck insurance, give us a call. We can review your current coverage and provide you with multiple quotes from our top-rated insurance carriers.