Why you might need a general liability insurance policy

At Network Truck Insurance Services, we are frequently asked why some brokers require General Liability insurance and what it covers. Often, we find that there is confusion between Auto Liability and General Liability. In short, Auto Liability covers liable actions while the insured vehicle is in motion. General Liability, however, covers liable actions outside of the vehicle. We’ll take a moment to give the ins-and-outs of this increasingly sought after coverage- and hopefully lay some of these questions to rest.

If you are business is for-hire, or motor carrier, changes are you will need Trucker’s General Liability. Some examples of what this line of coverage protects against-

*Customers slipping/falling on premises

*Actions of driver while representing the insured on the premises of others, such as loading docks, truck stops, ect.

*Erroneous delivery of products resulting in damage

When you purchase a General Liability policy, it would also provide the following coverage-

*Personal Injury and Advertising Injury Liability

*Medical payments

*Products/Completed Operations

Personal or Advertising Injury covers injury to a person or entity that is not physical in nature, but has been the result of negligence on your part. For example: using another company’s logo in your advertising without permission.

General Liability Medical Payments cover physical injuries to people that are not typically on your premises, but may become injured while on your property. For instance, if a customer is on your property and falls in the parking lot, General Liability may provide coverage for this instance.

Products/Completed Operations covers bodily injury or property damage that happened as a direct result of delivering someone else’s goods. For example: You are delivering colored pellets, and you deliver the pellets to the wrong bin. That bin is then run through the machine with the incorrect color pellets and destroys that batch of product.

If you have any further questions you’d like answered, or would like a quote to add this coverage to an existing line of coverage we are always here to help. We have agents waiting to offer you a quote and a service team happy to answer any questions!

Green Machine: Technology for Truckers

High fuel consumption is one of the commercial transportation industry’s largest concerns, both for the high cost and emissions impact on our environment. We all rely on our truckers to provide our nation with the goods it needs to function, and because of this the environmental impact has been overshadowed. Recently, there has been an increased focus on this growing issue, including The Environmental Protection Agency’s SmartWay program launched in 2004. This program was designed to offer some solutions our truckers can utilize to decrease their own carbon footprint. Though the implication of many green technologies has been slow, our truckers and trucking companies are continually moving in the right direction as they see the long term benefits for our environment and their wallet. Here are a few technologies our truckers can take advantage of now to help reduce their fuel consumption and carbon dioxide emissions, as well as reduce cost spent on fuel.

Predictive Cruise Control

Larger trucking companies often employ some variation of a speed governor that limits high speeds on the road. This tactic improves fuel economy by regulating a truck’s speed to about 65mph. Cruise control helps in a similar manner, allowing our truckers to maintain a chosen speed. However, Predictive Cruise Control (PCC) takes this technology a little further by utilizing a GPS system that regulates a truck’s speed for maximum fuel capacity based on upcoming terrain changes. Although many of our more experienced truckers already use this tactic manually, Predictive Cruise Control makes this effortless. This technology is fairly new, but experts are hopeful for its promised fuel consumption reduction.

Low Rolling Resistance Tires

You’ve probably already witnessed this technology whether you realize it or not. Many of the electric of hybrid cars of today utilize low rolling resistance tires. They use less energy as they roll, and thus, consume less fuel. According to the US Department of Energy, “5-15 percent of light-duty fuel consumption is used to overcome rolling resistance for passenger cars. For commercial trucks, this quantity can be as high as 15-30 percent.” Additionally, they are not significantly more expensive than traditional tires, especially when you consider the potential cost and emission benefit.

Aerodynamic Fairings

These relatively low-cost modifications to the body of the trailer improve aerodynamics so that there is less drag, which in turn means less fuel is consumed. Our California truckers are probably already aware of the necessity of this technology. Testing proves these to have a good enough reduction of fuel consumption that costs to outfit a commercial vehicle with them will be recuperated quickly.

GPS

All of our truckers have gotten lost once or twice. Not only is this frustrating, it may also create an unnecessary consumption of fuel. Having a good commercial driving GPS on board can save a lot of headaches and potential miles. Commercial GPS systems are a little more advanced than your consumer GPS systems- providing routes specifically for commercial drivers and accounting for obstacles such as road clearances and limits. Spending extra time finding your way can cost both the environment and your pocketbook.

Do You Need Workers Compensation?

Truck drivers face special risks in the work they perform, and workers compensation insurance for commercial transportation is designed to protect employees in the case of accidents or injuries they may suffer on the job. Workers compensation is mandated for employers and is designed to provide coverage for the loss of wages, medical expenses, disability, and in the case of death benefits for the employee’s beneficiary. If you employ drivers in your business, you are required to carry this coverage.

Commercial transportation drivers carry specific requirements related to workers compensation. For example, many truckers are regarded as independent contractors which differ from the needs of those classified as employees. Truck drivers often enjoy their freedom as an independent contractor and employers are required to provide appropriate workers compensation coverage for them, even though independent contractors can generally be excluded from normal compensation insurance programs.

There are commercial transportation workers compensation programs that are available in these situations that vary in the benefits they provide. Examples of these benefits include accidental death, total disability, and accidental dismemberment. They may also include specialized benefits for the trucking industry such as chiropractic, hernia and hemorrhoid benefits. It is important that you carry the appropriate coverage for your small business to keep you and your drivers protected. At Network Truck Insurance Services, we provide many options and programs to keep you safe. Call today for a free quote or contact your current agent to find out which workers compensation policy is right for you.