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Articles

  • Bobtail and Deadhead Coverage

    Trucking operations face unique transportation risks presented by instances of bobtailing and deadheading. A tractor that is traveling on the road without a trailer is considered to be bobtailing.

    Example: Joe drops his trailer at Fran’s bakery and then heads to Doug’s Plumbing supplies to pick up a trailer. In between the two customers, he is bobtailing.

    Any time a tractor is pulling an empty trailer, it is considered deadheading.

  • Motor Truck Cargo Insurance

    A major activity of commercial trucking is transporting cargo. There are two parties with a huge interest in the cargo: the property's owner and the trucking company or independent trucker transporting that property. Usually it is the trucker's responsibility to arrange for insurance since that is the party having custody and control of both the vehicle and the goods being shipped. Motor Truck Cargo coverage responds to a substantial, combined exposure. Specifically, it protects against the liability similar to taking a house full of expensive contents on the road for a long trip.

  • Garagekeepers Coverage

    Business should pay close attention to their chance of suffering loss involving their use of vehicles. It's relatively easy to recognize loss created by cars and trucks that are owned and/or used in a business, such as sales representative cars or delivery vans. But there's another source of vehicular loss that is faced by many businesses: vehicles that are damaged after left in the custody of a business.

  • Auto Dealer Operations

    Garage operations are businesses that have hybrid coverage need. With such businesses, the lines between the general liability for the operations and the automobile liability exposures blur and overlap. A general liability policy does not provide enough coverage and a commercial auto policy provides too much. Fortunately there is a way to properly handle this need. The Auto Dealers Coverage Form contains premises liability, products liability, automobile liability and automobile physical damage coverage. Operations that should be protected by this policy include the following:

  • Commercial Drivers Drug and Alcohol Testing

    The Federal Motor Carrier Safety Administration (FMCSA) oversees an extensive testing and education program to help employers protect the public against drivers who use controlled substances and/or alcoholic beverages during their work. We will discuss the program in several parts. We’ll first focus on the actual regulations.

     Nationally, drivers must comply with the following:

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