Articles

  • 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:

  • Coverage For Business Autos

    Many businesses are exposed to possible losses due to the ownership, use or maintenance of vehicles used in their operations. Most coverage needs can be handled by a business auto policy (BAP) which covers operations such as:

  • Non-Owned Auto Coverage

    Employees routinely use their own vehicles in their jobs or just to run errands for their employer. Does your company have protection in case of an accident and both your worker and your company are sued? If your company has a business auto policy, it should include coverage for ‘non-owned’ automobiles. These are vehicles owned by others (such as an employee) that are used in the business of the company. Generally a business auto policy only protects against losses involving company-owned vehicles, so it is important to add "non-owned" coverage.

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