Becoming familiar with your insurance policy & avoiding unwanted claims

Here at Network Truck Insurance Services, we want to keep our clients informed and comfortable that they are being taken care of while on the road. And while we do our very best to keep our family of customers safe, it is also the insured responsibility to become familiar with the exclusions and business purpose of their insurance policy.

First, our clients should be familiar with the jobs they intend on taking on that may have special insurance requirements. Some brokers require higher limits of liability than others, some may require General Liability, or some may require special commodities or trailer coverage. Strong communication between our clients, their agents and customer service team will help ensure that our clients are properly covered under any situation.

Not only should our clients be aware of insurance limit requirements when they take on new brokers- but also be aware of the commodities that they are taking and any exclusions that may be on their policy. For instance, shrimp and shellfish are very commonly excluded commodities. If a client were to be unaware of this fact and accept a $90,000 load of frozen shrimp, experience a reefer breakdown mid-trip and lose the load- as an excluded commodity this claim may not be paid. This would leave our clients in a hard spot without proper coverage.

If a customer intends to act as a broker or sub haul loads, this work also requires special insurance coverage. All too often we hear of truckers acting outside of their policy limits and causing great financial strife when they find the work they’ve been doing wasn’t actually covered. Remember- if the job description changed, your insurance requirements may have as well.

If ever you have a question about your policy limits or work needs, our agents and customer service team are standing by to keep you safe and covered on the road.

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.