• Mobile Equipment

    You might think that a policy that is designed to protect autos and trucks that are used by a business would cover any type of vehicle. That is a dangerous assumption, at least with regards to providing complete protection. There are instances when coverage for damage to certain types of vehicles and the legal responsibility for their use may have to be covered by two different policies. Mobile equipment falls into that nether region of insurance coverage.

  • Commercial Auto Medical Payments

    Policies written for commercial operations that include a vehicle exposure (Business Auto, Garage, Trucker, and Motor Carrier Coverage) are missing an important coverage: Auto Medical Payments. This coverage handles the reasonable expenses of necessary medical and funeral services suffered by persons (other than those listed as insureds) in an eligible loss. The coverage includes expenses from related sickness, disease and/or resulting death.

  • Drive Other Car Coverage

    Vehicles that are owned or supplied by a business, non-owned and rented cars represent a problem when they are insured under a basic business auto policy. Such policies either provide little or no coverage when a loss involves personal use or use by a person who is NOT the vehicle’s owner. Serious coverage gaps may exist, such as:

  • 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.