Tuesday, November 3, 2020

Safety Tips: Defensive Driving for Truck Drivers

As we are sure that you know, driver safety is a vital component in the commercial trucking industry. Regardless of if you have affordable commercial trucking insurance, safety should never be an afterthought. One of the best ways to …

The post Safety Tips: Defensive Driving for Truck Drivers appeared first on Strong Tie Insurance Services.



from Strong Tie Insurance Services https://www.strongtieinsurance.com/safety-tips-defensive-driving-for-truck-drivers/?utm_source=rss&utm_medium=rss&utm_campaign=safety-tips-defensive-driving-for-truck-drivers
via IFTTT
from Tumblr https://strongtieusa.tumblr.com/post/633792946331926528
via IFTTT

Safety Tips: Defensive Driving for Truck Drivers

As we are sure that you know, driver safety is a vital component in the commercial trucking industry. Regardless of if you have affordable commercial trucking insurance, safety should never be an afterthought. One of the best ways to

The post Safety Tips: Defensive Driving for Truck Drivers appeared first on Strong Tie Insurance Services.



from Strong Tie Insurance Services https://www.strongtieinsurance.com/safety-tips-defensive-driving-for-truck-drivers/?utm_source=rss&utm_medium=rss&utm_campaign=safety-tips-defensive-driving-for-truck-drivers
via IFTTT

Thursday, October 29, 2020

New to the trucking business?

As a motor provider, there are actually a great deal of things for owner-operators to think about just before reserving a load along with their new trucking firm. There is actually a key measure for truck drivers beyond getting your CDL as well as your very own authorization. You are going to also need to get with your counted on insurance broker to receive a really good commercial lorry trucking insurance plan. It is regularly better to make certain that you are legally up to date, however likewise that you possess adequate comfort that the company is appropriately protected. As a small business owner, there are a lot of aspects to look at along with your company to know merely what your insurance demands are actually. The forms of protection gave to truckers that can easily vary between insurance companies so you will intend to examine those specifics straight along with the insurance organization.

There are actually several insurance companies on the market place today to choose from but an educated agent will have the ability to aid you choose which coverage choices most effectively suit your personal necessities. General obligation, primary liability, physical damage coverage, trailer variation, bobtail insurance, cargo insurance, as well as residential or commercial property damages to name a few are all forms of plans that you might require to must keep your company effectively covered.

The elements that narrow down what protection you need depends on traits like what types of vehicles you possess, what you are going to be transporting, and also where. As you may understand, trucking insurance costs much more than your personal (non-trucking) vehicle insurance protection. Consequently, it is very important to get a depended on truck insurance quote to know just how much the insurance coverage you require will cost between the different providers’ insurance rates. Actually, obtaining and also spending for insurance is just one of the biggest hurdles in the trucking sector. It is actually likewise necessary.


Semi-Truck Insurance

Semi-trucks are actually a special category when it comes to insurance. These automobiles deal with two primary dangers when they are actually out when driving– accident (as our experts explained above) and burglary. Reports have kept in mind that fraud is coming to be considerably specialist in attributes, and the normal loss remains in the dozens thousands of dollars. If you have a number of trucks robbed at the same time, it’s certainly not hard to find exactly how swiftly those reductions could place you bankrupt.

Our semi-truck insurance plan are designed to meet these modifying risks and also offer you along with the support you need if one thing goes wrong. We’ll team up with you to acquire cases dealt with as swiftly as possible so that your truck can return when driving– a lot of trucking business do not possess spare autos relaxing, as well as we know just how vital it is for you to keep your squadron in top circumstances whatsoever opportunities.

Need help for your Semi-Truck Insurance? please contact us or visit our website: https://www.strongtieinsurance.com/semi-truck-insurance/


Types of Semi Truck Insurance

a. Primary Liability Insurance

This is actually the one form of insurance that the rule requires. It does not cover your truck however performs cover the damages carried out to others and/or their automobiles, building, and so on. Whether you are actually an owner-operator or even leasing a truck, this is actually a need.

b. Physical Harm Insurance Protection

The truck as well as trailer are going to be dealt with under this type of insurance scenarios featuring collisions, burglary, fires, and so on. Bodily harm insurance is not required if you have the truck but if the truck is financed, the claim holder will need this insurance.

c. Bobtail Insurance

Steering your truck without a trailer is actually known as bob-tailing– consequently where the insurance name originates from. Bobtail insurance is the protection you require when on and off the street (like obtaining company performed) without a trailer. Semi owner-operators who from time to time create trips without route are commonly requited to have this insurance coverage.

d. Motor Truck Cargo Insurance coverage

There is actually a mentioning available, “priceless payload.” A truck’s payload IS valuable, so it is essential to possess packages insurance. This defends the cargo if it is harmed, taken, etc. Go through the policy entirely so there are no surprises if your freight is influenced throughout the future.

Cheap Semi Truck Insurance

You will not discover a far better place online providing a far better series of low-priced semi-truck insurance coverages for your trucking insurance needs, and commercial car insurance. Our collections of insurance coverage to feature bodily harm, automotive liability, as well as cargo insurance will certainly fill up all your needs as well as needs. Phone us whenever if you are looking for truck drivers insurance, truckling insurance quotes, commercial truck insurance, or commercial automobile insurance.

Requirements For Semi Truck Insurance

ou can make a lot of funds by steering vehicles with your nation. In order for you to begin steering some stunning trucks, there is something really important you require to look after 1st which is actually insurance. Semi truck insurance is the main thing you merely can not drive without, as the opportunities of meeting up with harmful circumstances on the lengthy street is excellent. If one thing does take place to your truck, you at least possess the insurance to resort.

There are not merely the threats when driving you need to have to think about, however the authorities too. The law is really adamant that any type of car needs to possess insurance, before they will certainly allow them to operate on some of the streets available.

Commercial Truck Insurance: Traverse The Complication

a. General Obligation

This kind of plan is actually bought by trucking companies to shield company staff members and also cars by covering costs connected with loss as well as accidents triggered by various other chauffeurs. It is actually an extra apparent kind of protection than main liability (listed below). It is sort of like a business insurance plan.

b. Major Responsibility

This covers the expense of problems and bodily personal injury sustained in a details collision. This is one of the most standard form of commercial truck insurance as well as is required through law for all commercial truck drivers to possess. As an example, if you lead to damage to other cars and/or people, this kind of truck insurance exists to deal with those costs. Main responsibility insurance is the 1st and finest way for chauffeurs to guard on their own and their assets.

c. Independent Issues

Not all customers of commercial truck insurance are actually big motor providers. A substantial section of truck travels function their truck individually. Independent owner/operators also need to have to view that their basic protection necessities are satisfied. These necessities may include covering their trucks, maintaining liability insurance coverage off the project, or covering the payload that they do not have.

d. Physical Damages

This covers problems experienced to your very own residential property, including your truck, irrespective of error in an accident. It likewise deals with things like fires, fraud, as well as hooliganism. This insurance coverage corresponds to “extensive” coverage for auto drivers. If just about anything happens to your truck, (i.e. a scratch, a dent, a primary vehicle collision) bodily damage insurance protection are going to take care of it. even if it was your error.

To learn more about commercial truck insurance, visit our website for more details: https://www.strongtieinsurance.com/commercial-truck-insurance/


from Tumblr https://strongtieusa.tumblr.com/post/633315480146427904
via IFTTT

Wednesday, September 9, 2020

WHAT IS TRUCK INSURANCE? WHY DO YOU NEED IT?

You decide to become a truck driver. You’re looking to finance or lease your new semi-truck. But before you can get approved for truck financing you need to have commercial truck or semi-truck insurance.

There are several types of commercial truck insurance. We will cover everything you need to know about insuring a semi-truck.

The coverage you need and the cost of truck insurance is dependant on a few factors. One of the factors is your owner-operator status. There are two types of owner-operator status. 

Owner-operator under lease to a motor carrier – An owner-operator is an individual who owns their own commercial vehicle or small fleet, typically tractor-trailers. Alternatively, they can provide their truck and driving services to another motor carrier under a lease for a contracted period and operate under that carrier’s authority. For more info just visit: https://www.strongtieinsurance.com/semi-truck-insurance/

Owner-operator under your own authority – Having your own carrier authority means you have the government’s permission to get paid for hauling freight as your own trucking company.

Owner-operators under lease typically pay less due to the motor carrier cover some of the insurance needs.

Owner-operators with their own authority tend to pay more because they’re the owner and have full responsibility and liable for anything that goes wrong while driving, loading and unloading their trucks.

COMMON TYPES OF TRUCK INSURANCE AND WHO NEEDS IT

Owner-operators under their own authority or lease have different insurance requirements.

Here’s a breakdown of the most common types of commercial truck insurance

#1 GENERAL LIABILITY INSURANCE

General liability insurance, also called public liability insurance in the trucking industry, covers third-party bodily injuries and property damage that result from business activities that aren’t related to truck driving. 

If a person is injured on your business property, they may make a bodily injury claim against your business. For example, a package delivery man trips on loose carpeting in your accounting office, falls and breaks his wrist. General Liability Insurance can help cover the costs of the bodily injury claim he makes against your business for this accident.

The Federal Motor Carrier Safety Administration states, owner-operators with authority, freight forwarders, and motor carriers are required by law to carry General liability insurance (public liability insurance). 

Drivers under lease do not typically need general liability insurance; most are covered by the motor carrier’s policy. (Always confirm with the motor carrier that you’re covered under their policy)

Who needs it – Owner-operators with authority & motor carriers

#2 PRIMARY LIABILITY INSURANCE

Primary liability insurance is also known as trucking liability insurance. Primary Liability Insurance is the core of any good commercial truck insurance policy. 

Since this type of insurance is the minimum amount necessary to operate a trucking and transport business. Primary Liability Insurance will not cover damage to your own vehicle or the goods being transported.

Primary liability policies usually require every truck to be scheduled or listed on the policy. Insurance companies will not pay claims if the truck is not scheduled.

Who needs it – Owner-operators with authority & motor carriers

#3 NON-TRUCKING LIABILITY INSURANCE

Non-Trucking Liability, or NTL for short, is truck insurance coverage for when you use your truck for non-business purposes. Non-trucking liability insurance offers you liability coverage for property damage or bodily injury to a third-party. 

Any personal use between your return and next dispatch points will be covered under non-trucking liability insurance.

Non-Trucking Liability is primarily for drivers under lease with a motor carrier. Even though they’re usually covered by their motor carrier’s general liability insurance, that policy is only for business activities like hauling cargo, dead-heading or traveling for maintenance. 

Drivers still need non-trucking liability insurance to cover non-business driving.

Who needs it – Owner-operators under lease

#4 BOBTAIL INSURANCE

Bobtail Liability insurance is a term coined to apply to auto liability coverage for an owner-operator after a load has been delivered and while the truck is not being used for trucking purposes. 

This usually occurs when an owner-operator is operating his or her truck for mobility only, and not in the course of transporting property for the motor carrier under whose operating authority they haul, and on whose liability policy they depend while they are engaged in trucking. 

Examples of accidents that can trigger bobtail insurance

  • Accident on the way home after a delivery
  • An accident between dropping off a load & en route to pick up another load
  • Accident picking up your first load of the day.
  • Who needs it – Owner-operators under lease

#5 PHYSICAL DAMAGE INSURANCE

Physical Damage Coverage is a general term for a group of insurance coverages that protect your vehicle. This general term includes Collision insurance, as well as your choice of full Comprehensive insurance or the more limited Fire and Theft with Combined Additional Coverage insurance.

Who needs it – All Owner-operators

#6 MOTOR TRUCK CARGO INSURANCE

Motor Truck Cargo insurance (Cargo) provides insurance on the freight or commodity hauled by a For-hire trucker. It covers your liability for cargo that is lost or damaged due to causes such as fire, collision, or striking of a load.

Who needs it – All Owner-operators

#7 WORKERS’ COMPENSATION INSURANCE

Workers’ Compensation Insurance covers the expenses that come with an employee’s work-related illness or injury. There’s even a portion that covers your legal fees if an employee decides to sue. State laws require most employers to carry Workers’ Comp Insurance in case employees are hurt on the job.

Trucking industry-related injuries that are covered by worker’s compensation. (refer to your state laws)

  • Traumatic injuries after a truck accident
  • Work-related illness from exposure to harmful chemicals
  • Stress injuries from repetitive loading and unloading cargo
  • Who needs it – All Owner-operators & Motor carriers with employees

For more information with this topic just visit: https://www.strongtieinsurance.com/commercial-truck-insurance/


from Tumblr https://strongtieusa.tumblr.com/post/628786253141295104
via IFTTT

Friday, August 28, 2020

How Does Commercial Truck Insurance Coverage Work?

Commercial truck insurance policy is a necessary coverage for a local business or an owner-operator offering trucking services. Geared mainly towards bigger business, insurance can be a costly thing for a company that owns only one or more trucks. The alternatives available vary according to the kind of truck, the goods lugged, the risks incurred, and also the variety of years’ experience the driver has. The insurance coverage bundle you choose for your business will likely include several different kinds of protection, and understanding exactly how this work will certainly help you identify the options you require.


Basic Coverage

Fundamental coverage consists of collision insurance coverage as well as thorough insurance coverage. Crash damages insurance policy covers the expenses of the various other lorry from an accident in which you were at fault, as well as the damage to your vehicles. Comprehensive insurance coverage works similarly to normal motor vehicle insurance, covering the cost of fixings to your automobiles, approximately an optimum value, that’s covered by something besides a collision.

Specialized Coverage

A business using commercial trucking insurance has a variety of specialized alternatives to pick from. You require insurance coverage for every single possible scenario in which your truck could be involved, without increasing the rate to an unaffordable quantity. Along with standard protection, the trucker that delivers freight in support of clients requires commercial automobile liability, which offers protection for bodily injuries as well as damage to the home of others. The freight insurance policy covers the loss or damage of the freight, and the price depends upon the type as well as the value of the cargo.

Non-Trucking Insurance coverage

Sorts of protection not straight pertaining to the transport of freight consist of bobtail insurance, non-trucking obligation protection, job-related mishap protection, and also protection for personal items in the truck. Bobtail insurance uses after the truck’s load is delivered and the car is traveling without freight or a trailer, or if the proprietor uses the truck for individual use. This is similar to non-trucking responsibility coverage, which applies when the lorry is not delivering freight, whether or not it is pulling a trailer. Work-related accident insurance covers the owner-operator for accidental death or dismemberment that happens in the course of truck driving. To know more just visit: https://www.strongtieinsurance.com/semi-truck-insurance/

Premiums

The costs on the insurance policy bundle you pick are payable regular monthly ahead of time. Settlements can be combined with the truck repayments if you acquire the insurance coverage through the dealership, however, this could work out to be more pricey than purchasing straight from an insurance company. The costs are payable throughout the plan’s life. You can cancel at any time as well as the cancellation will certainly not affect your credit history, however, you will certainly be liable for the settlement of all premiums due before the day on which cancellation works. Costs may be higher if you or your driver has a poor driving record.

Insurance deductible

Your costs depend partly on the deductible you select or for which you qualify. Chauffeurs with crashes on the document have a greater deductible, because of the risk to the insurer. Deductibles vary from $500 to $2,000 and are paid first in case of a case. For example, if your insurance deductible is $1,000 and fixes $1,500, you pay the deductible to the repair shop first as well as the insurance firm will certainly pay the remaining $500. If you choose not to deal with a high deductible, take a reduced deductible and also greater costs. For companies with seasoned, accident-free drivers, a higher deductible and also lower monthly costs is a safe alternative. For more information just visit: https://www.strongtieinsurance.com/commercial-truck-insurance/


from Tumblr https://strongtieusa.tumblr.com/post/627686365651402752
via IFTTT

Thursday, August 27, 2020

Interstate Love Song: Making the Most of Your Pit Stops

When your driver is behind the wheel of a big rig for hours on end, making a pit stop is like finding an oasis in the desert. Just like you wouldn’t hit the road without insurance for commercial trucks, …

The post Interstate Love Song: Making the Most of Your Pit Stops appeared first on Strong Tie Insurance Services.



from Strong Tie Insurance Services https://www.strongtieinsurance.com/interstate-love-song-making-the-most-of-your-pit-stops/?utm_source=rss&utm_medium=rss&utm_campaign=interstate-love-song-making-the-most-of-your-pit-stops
via IFTTT
from Tumblr https://strongtieusa.tumblr.com/post/627617240360042496
via IFTTT

Interstate Love Song: Making the Most of Your Pit Stops

When your driver is behind the wheel of a big rig for hours on end, making a pit stop is like finding an oasis in the desert. Just like you wouldn’t hit the road without insurance for commercial trucks,

The post Interstate Love Song: Making the Most of Your Pit Stops appeared first on Strong Tie Insurance Services.



from Strong Tie Insurance Services https://www.strongtieinsurance.com/interstate-love-song-making-the-most-of-your-pit-stops/?utm_source=rss&utm_medium=rss&utm_campaign=interstate-love-song-making-the-most-of-your-pit-stops
via IFTTT