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To keep Truck Insurance costs down, trucking companies and fleet managers need to understand how to manage risk. Unfortunately, the trucking industry is filled with risks – driver shortages, vehicle breakdowns, bad weather, deteriorating infrastructure, greater regulatory oversight, injuries, and more. One major collision, lost load, or driver injury can cost your company thousands or even millions of dollars. 

Understanding how to minimize those risks helps keep your drivers, trucks, and cargo safe. In addition, it allows your operation to run more efficiently and helps protect your company from financial losses (such as higher insurance premiums). 

3 Risk Management Strategies

1. Hire the Most Qualified Drivers

Yes, we know there is a driver shortage, and it doesn’t look like that is going to change anytime soon. According to a 2019 American Trucking Association report, if the current trend continues, we could be looking at a shortage of 160,000 drivers in the U.S. by 2028. However, taking the time to recruit, vet, and hire the most qualified drivers will save a great deal of time, money, and headaches down the road. 

Here is a step-by-step guide to hiring top-quality CDL drivers. It offers tips such as…

• Create an appealing CDL driver job post that shows what sets your company apart from others and clearly states their responsibilities, requirements, and qualifications.
• Advertise for the position by posting on general sites and boards dedicated to CDL drivers, along with social media. Make sure your job is picked up by Google, ask your employees for referrals, and start a blog or vlog about trucking.
• Thoroughly vet your candidates by Interviewing potential candidates and asking in-depth questions to help you determine how trustworthy they are, how they work under pressure, etc. Have them take a drug test and a road test. Get a Motor Vehicle Records (MVR) report and do a DOT background check.  

2. Provide Safety Training

When drivers are involved in motor vehicle accidents, it exposes your company to liability risks, legal expenses, lost time, decreased productivity, and higher insurance costs. Therefore, it is essential to teach your drivers how to deal with the challenges they will face on the road with safety-oriented driver training for new hires and ongoing training. According to the National Safety Council (NSC), implementing a driver safety program will help keep drivers safer and potentially:

• Decrease risk of motor vehicle collisions and traffic violations
• Minimize exposure to liability risks and legal costs
• Reduce insurance premiums and workers’ compensation claims
• Lower vehicle repair bills and replacement expenses
• Protect business operations and brand identity

 3. Develop a Positive Culture of Safety

A company with a positive safety culture will often experience increased productivity and engagement and lower employee turnover and injuries. Briotix Health states that a culture of safety “looks beyond specific safety policies and programs [and] captures the mindsets and behaviors towards safety of all company stakeholders–employees, managers, and owners.” Your company needs to make safety a top priority and get buy-in from all levels of the organization. 

To determine if your company has a positive culture of safety, ask yourself these questions:

• Does management genuinely value employee safety?
• Do employees feel empowered and take ownership over their own (and co-workers’) safety?
• Is your business investing in safety programs and equipment?

 Keep Truckin, Inc offers six tips for managers to create a culture of safety for their drivers:

1. Set the right example
2. Communicate clearly and often
3. Prioritize training and coaching
4. Follow up and follow-through
5. Recognize safe drivers
6. Implement a fatigue management policy

Lower Your Truck Insurance Costs Today!

Another way to lower your truck insurance costs is to work with the experienced independent agents at American Insuring Group. They will shop and compare truck insurance coverage among lots of competing carriers to make sure you receive the right coverage at the lowest cost.

→ Give us a call today at (800) 947-1270 or (610) 775-3848, or connect with us online.

We get a lot of questions about Workers’ Compensation Insurance. Here are answers to the most frequently asked questions.

1. Do I need to carry Workers’ Compensation (WC or Workers Comp) Insurance? In Pennsylvania, whether you have one employee or one hundred employees, full or part-time employees, or your employees are family, you are probably required to have Workers’ Compensation Insurance. There are very few exceptions, and not having it can lead to lawsuits and even criminal prosecution.

2. What does Workers Comp Cover? Workers Comp helps cover health care expenses, ongoing health care expenses, disability payments, death benefits, and permanent injury payments (such as the loss of a body part) when an employee suffers a work-related injury or disease. It also helps protect your business against lawsuits related to the injury.

3. What is not covered by Workers’ Compensation? Some things are not covered under WC in Pennsylvania:

• Activities not related to work
• Illegal use of drugs
• Intentional wrong of employee
• Intoxication
• Reckless indifference
• Self-inflicted injury
• Violation of law resulting in an injury

4. How are Workers’ Compensation rates calculated? Your Workers’ Compensation premium is based on the following formula: WC Premium = Classification Code Rate X Experience Modifier X payroll/$100.

5. What are WC Classification Codes? There is a 3-digit classification code for every type of job in Pennsylvania. It is based on the likelihood of that employee being injured on the job, and it helps determine your WC premium. Typically, the more risk of injury, the higher your WC costs.

6. What is an Experience Modifier? Your experience modifier compares the history of your losses to what is typically expected in a class similar to your company. It is based on the following:

• Number of Claims
• Cost of Claims
• Frequency of Claims
• Severity of Claims
• Closed vs. Open Claims
• Claims History of other businesses in your industry
• Years in business
• Number of employees
• State minimums

The lower your experience modifier, the lower your premiums.

7. Where can I purchase WC Insurance? In PA, there are four ways you can purchase WC insurance:

• Insurance agent – As independent agents with experience specifically in WC, the agents at American Insuring Group compare the cost of your WC with several carriers and ensure you pay the lowest price possible for WC and all other insurance.
• Insurance Carrier – More than 300 private sector insurance carriers offer WC policies.
• Apply for self-insurance status – Larger businesses operating for three or more years and are financially healthy can apply for approval to individually self-insure.
• State Workers’ Insurance Fund (SWIF) – SWIF is required to provide coverage for all businesses, particularly those having trouble obtaining coverage

8. What is WC fraud? You, an employee, or a health care provider can commit Workers’ Compensation fraud, which can increase your WC costs. Examples of WC fraud include the following:

• Misclassification of an employee
• A faked injury
• A medical bill for a service that was not performed

9. What is a Return-to-Work Program? A Return-to-Work (RTW) program is designed to get an injured employee back to work as quickly and safely as possible, even if it’s a modified schedule or duties. Studies show that RTWs save employers on medical costs, lost time days, and workers’ compensation insurance costs. These programs can even reduce the number of lawsuits, wage replacement costs, and productivity losses.

10. How can I lower my Workers Comp Insurance costs?

Workers’ Compensation insurance may be mandatory in PA, but there are many steps your business can take to lower your WC costs:

• Institute a documented safety program
• Have a Return-to-Work program
• Work with an Experienced Workers’ Compensation Insurance agent.

Finding and retaining good employees is often cited as one of the biggest challenges employers face, and the current labor shortage isn't making it any easier. Hiring new employees can be time-consuming, frustrating, and costly. According to Gallup, "The cost of replacing an individual employee can range from one-half to two times the employee's annual salary -- and that's a conservative estimate."

Businesses can help minimize those costs by remembering that keeping their employees safe on the job is financially in their best interest – not to mention one of their primary responsibilities as an employer. OSHA states, "Under the Occupational Safety and Health Act of 1970, employers are responsible for providing a safe and healthful workplace. No person should ever have to be injured, become ill, or die for a paycheck."

Providing a safe and healthy workplace benefits employers with lower Workers' Compensation Insurance costs, reduced absenteeism, increased productivity, and better employee morale. The bottom line: workplace safety is good for business, especially in those industries that are particularly dangerous, such as construction, restaurant, and trucking.

The first step to creating a safer work environment is a comprehensive workplace safety program. OSHA reports that businesses receive an average return of $4 to $6 for every dollar invested in workplace safety programs.

One of the essential elements of a workplace safety program is Training. OSHA states, "Training in the safe way for workers to do their jobs well is an investment that will pay back over and over again in fewer injuries and illnesses, better morale, lower insurance premiums and more."

Here are four safety training guidelines:

1. Identify Hazards

One of the first steps in any workplace safety program is to identify potential hazards and initiate controls. Hazard controls can help minimize employee exposure to workplace hazards before work begins. The National Institute for Occupational Safety and Health (NIOSH) suggests implementing a hierarchy of controls that includes the following:

1. Elimination – physically removing the hazard
   
   
2. Substitution – replacing the hazard
   
   
3. Engineering Controls – isolating people from the hazard
   
   
4. Administrative Controls – changing the way people work
   
   
5. PPE – protecting employees with personal protective equipment

Once you understand potential hazards in your workplace and initiated appropriate controls, your next step is to train employees on those hazards and how to avoid them.

2. Understand Safety Standards/Regulations

OSHA's Occupational Safety and Health Act of 1970 includes many regulations/standards that employers are required to follow, including training requirements. OSHA states, "Many OSHA standards, which have prevented countless workplace tragedies, include explicit safety and health training requirements to ensure that workers have the required skills and knowledge to do their work safely. These requirements reflect OSHA's belief that training is an essential part of every employer's safety and health program for protecting workers from injuries and illnesses. Researchers conclude that those who are new on the job have a higher rate of injuries and illnesses than more experienced workers."

Following these regulations help keep your employees safe and protects your business from OSHA penalties, which can be as high as $136,532 per violation.

3. Provide Effective Training

Not everyone is a good trainer, so choose your trainers wisely. A good trainer is organized, understands the importance of listening, knows how to engage employees, etc. If you want the safety training to be effective, choose someone adept at teaching people, not someone who will simply read from a book.

You may want to consider using some of the training resources offered by OSHA, such as training material and training courses.

4. Document Training

OSHA standards require training documentation for certain types of safety training but not all. However, it's in your best interest to document all safety training. Documentation should include the name of the employee attending (and possibly their signature), the name and signature of the person training, the date and subject of the Training, and proof of competency.

Lower Workers' Compensation Insurance Costs the Easy Way!

Give American Insuring Group a call today at (800) 947-1270 or (610) 775-3848, or connect with us online to discover more ways to save on all of your insurance needs. We're independent agents, so we shop among competing insurance carriers to get you the best deal on the right insurance. Contact us today!

Sprains and strains – known as musculoskeletal disorders (MSDs) - are costing construction companies millions of dollars every year in higher Contractor Insurance costs, lost workdays, and sometimes the permanent loss of good workers.

MSDs include back, shoulder, knee, and other musculoskeletal problems. They are one of the most common injuries in construction, accounting for one-third of all lost workday injuries and half of all workers' compensation claims, according to Laborers' Health & Safety Fund of North America.

In fact, approximately 30% of construction workers report lower back pain. For those workers over 55, that rate increases to 60%. Arthritis and joint pain are also common issues with construction workers – especially as they age. In addition to age, obesity, smoking, and poor physical fitness can increase the risk of an MSD-related injury. Working with the pain of an MSD-related injury reduces productivity and can lead to a disabling injury that permanently ends a construction worker's career.

The high number of MSD-related injuries probably comes as no surprise since construction involves a lot of heavy lifting and carrying of heavy objects. The three main risk factors for MSD-related injuries are excessive force, repetitive motion, and ongoing awkward work position. While you can't eliminate all MSD-related injuries, there are several steps you can take to minimize the risk.

The COVID pandemic created a shift in the number of Americans working from home and has caused some gray areas for Workers’ Compensation Insurance. Statistics show that in the last five years, the number of people who work from home has risen by 44%, with approximately 62% of employees between the ages of 22 and 65 working remotely at least occasionally. Plus, 16% of companies worldwide are now 100% remote.

There are advantages to working from home for both employees and employers:

• 77% of remote workers believe they are more productive when working from home.
• 75% of employees working remotely do so because there are fewer distractions at home.
• 69% of millennials say they would give up certain work benefits for a more flexible working space.
• 64% of recruiters say that the ability to offer a work-from-home option helps them find high-quality talent.
• 74% of workers say that having a remote work opportunity would make them less likely to leave a company.

However, working from home does create challenges when it comes to Workers’ Compensation Insurance.

What is Workers Compensation (WC)?

The PA Department of Labor & Industry defines WC as a “mandatory, employer-financed, no-fault insurance which ensures that employees disabled due to a work-related injury or disease will be compensated for lost wages and provides necessary medical treatment to return them to the workforce.” Failure to carry WC coverage can result in a $2,500 fine, up to one year imprisonment, and more.

WC covers any injury that “arises out of and in the course of employment.” So, any injury that occurs while an employee is performing work-related activities during working hours may be a valid WC claim. Where that work is performed is irrelevant; it can be outside or inside the workplace. However, the injury must be “work-related” to be considered a valid WC claim.

Workers' Compensation Challenges

Determining whether or not an injury is work-related becomes more challenging and finding witnesses to verify what occurred is nearly impossible for injuries that occur to employees working remotely.

Plus, one of the best ways to lower WC costs is to file fewer claims. When employees work in your facility, there are many steps you can take to create a safer work environment to minimize the risk of injury. However, when employees work remotely, you have little to no control over their work environment.

5 Steps to Reduce Liability for WC Claims

1. Create a written statement that establishes policies relating to employees working from home, including defining the employee’s work duties and expectations regarding communication and status updates.
   
   
2. Clearly define work hours and determine how you will track hours virtually.
   
   
3. Provide home workspace guidelines. For example, show them how to include proper lighting in their workspace to avoid eyestrain and create a workstation to mitigate the risk of repetitive stress injuries.
   
   
4. Review home offices to eliminate potential hazards, such as loose cords or overloaded electrical outlets.
   
   
5. Establish cybersecurity processes. While this isn’t directly related to WC, it can help minimize a data breach or cyberattack liability risk because 54% of IT professionals consider remote workers to pose a greater security risk than traditional workers.

Review Insurance Policies

Any significant changes should warrant an insurance review to ensure you have the right coverage. For example, purchasing new equipment may require additional insurance, decreasing the number of employees could lower your WC costs, and allowing employees to work from home can create different liability issues that need to be addressed.

Save Now on Workers Compensation Insurance!

To ensure you have the right insurance at the lowest cost, call one of the experienced, independent agents at American Insuring Group today at (800) 947-1270 or (610) 775-3848, or connect with us online.

Owning a small business can be an extremely rewarding experience, but it also comes with its share of risks that can impact the success of your business – employee injuries, fires, lawsuits, thefts, and the list goes on.

The good news is that there is insurance to help your business recover from just about any catastrophe. Unfortunately, research shows that many U.S. businesses are completely uninsured, and 75% of U.S. businesses are underinsured by 40% or more.

Whether you're opening a new business or have been in business for years, it's important that you understand the potential risks your business may face, what insurance policies are required (by law, contracts, landlords, etc.), how financially prepared you are in the event of an unexpected incident, and what types of commercial insurance are available to you. Only then can you make an educated decision about which insurance policies are right for your business.

11 Types of Commercial Insurance to Protect Your Business 

1. Commercial General Liability (CGL) Insurance – CGL is relevant to any business and helps protect your business from financial loss that results in property damage, bodily injury, libel, slander, lawsuits, and settlements or judgments.
   
   
2. Commercial Property Insurance – If your business has property or physical assets, property insurance helps protect them against loss or damage due to events such as fire, hail storms, civil disobedience, and vandalism.
   
   
3. Workers' Compensation (WC) Insurance – In Pennsylvania (and most other states), WC is mandated for nearly every business with employees. If an employee is injured on the job, WC helps pay lost wages, disability payments, death benefits, and medical costs and helps protect your business against employee lawsuits.
   
   
4. Business Owner's Policy (BOP) – BOP is relevant to most small business owners – especially home-based businesses. It combines all of the typical insurance coverage – General Liability, Commercial Property, and Business Income Insurance - into one, simplifying the process and often saving you money.
   
   
5. Business Income Coverage/ Business Interruption – If you are forced to shut down your business after experiencing covered property damage (such as fires, storms, etc.), Business Income coverage can help replace lost income.
   
   
6. Cyber Insurance -Small or medium-sized businesses are involved in 43% of all data breaches, and 61% of all small and medium-sized businesses report experiencing at least one cyber-attack in the previous year. Cyber Insurance helps cover your business' liability for data breaches that involve sensitive customer information, such as credit card numbers, driver's license numbers, and health records.
   
   
7. Commercial Vehicle Insurance – If you use a vehicle for any business – such as delivering food or transporting products – Commercial Vehicle Insurance helps cover bodily injury or property damage claims if the vehicle is involved in an accident.
   
   
8. Product Liability Insurance – If your business manufactures, wholesales, distributes, or retails a product, Product Liability Insurance can protect you against financial loss resulting in malpractice, errors, and negligence.
   
   
9. Gap Insurance – Often overlooked, Gap Insurance helps cover the cost difference to pay off a lease balance when the vehicle's value is less than the leasing company's payoff in a total loss accident.
   
   
10. Commercial Umbrella Insurance – Insurance liability policies include a limit (the maximum amount an insurer will pay if a claim is filed). Commercial Umbrella Insurance helps cover the difference if a claim exceeds a policy's limit.
    
    
11. Professional Liability/Indemnity Insurance (Aka Errors and Omissions Insurance)– If your business is sued due to a mistake made in a professional service your company provides, Professional Liability helps cover legal costs.

There are also insurance policies specific to unique risks in certain industries, such as Liquor Liability Insurance for restaurants and bars that serve alcohol, Builders Risk Insurance for contractors, and Bobtail Insurance for truckers.

We Offer The Best Insurance For Your Business

Every business is unique, which is why working with an experienced independent insurance agent is the key to obtaining the right insurance for your business.

So give one of the professional agents at American Insuring Group a call today at (800) 947-1270 or (610) 775-3848, or connect with us online.  

As independent agents, we will also compare the cost of your coverage with multiple insurance companies to ensure you pay the lowest price for the right coverage.

Restaurants are filled with potential risks, but the right Restaurant Insurance helps protect your restaurant from those risks. Here are four facts about commercial insurance to help ensure that you have the RIGHT insurance for your unique insurance needs.

Commercial General Liability (CGL) Insurance Isn't Enough.

CGL is a complex insurance policy that helps cover legal liability costs associated with incidents caused by your services, business operations, or employees. CGL typically covers bodily injury, property damage, personal injury, advertising injury, and medical payments.

Restaurants face many risks. An employee can fall and injure themselves. A customer can get sick from food consumed in your restaurant. A delivery vehicle can be in an accident. And the list goes on… Unfortunately, not all liability issues are covered by a CGL policy, and often additional coverage is required.

For example…

Contractors Insurance is designed to help protect your business from various risks, including the risk of liability. A contractor can be sued for a variety of reasons – breach of contract, defects, employee and customer relations, project delays, etc. – and no business is immune to these risks.

According to a Small Business Administration (SBA) survey on the impact of litigation on small businesses, 36-53% of small businesses (fewer than 50 employees) were involved in filed civil lawsuits, resulting in $3,000 to $150,000 in legal costs for actual litigation. The survey report also states, “The impact of litigation on businesses goes well beyond the purely financial impact of legal fees and damages. Most small business owners are invested personally in their businesses; litigation causes not just financial loss, but also substantial emotional hardship, and often changes the tone of the business.”

Taking steps to minimize liability risks is just good business. Here are nine tips:

1. 1. Identify Potential Risks – Contractors are surrounded by potential liability risks, and the first step to reducing those risks is to identify them. Take time to look at your overall business practices and potential hazards at each project.
      
      
   2. Avoid accidents, including the Fatal Four – Every employer is obligated to keep employees safe, which can be a challenge in an industry like construction where hazards loom around every corner. According to the Occupational Safety & Health Administration (OSHA), 5,333 workers died on the job in 2019, and about 20% of fatalities in private industry were in construction. OSHA identified four hazards responsible for 63.7% of construction worker deaths in 2016, known as the “fatal four.” All workplace safety risks should be addressed, and starting with the fatal four – falls, struck by an object, electrocutions, caught-in/between - is a great place to start.
      
      
   3. Understand Safety Laws – The Occupational Safety and Health Act of 1970 was created to help ensure safe and healthful working conditions for workers. The result is a set of standards that businesses are required to follow by law. For example, OSHA requires that fall protection be provided for any employee working at an elevation of six feet or more in the construction industry.
      
      
   4. Understand Labor Laws - Fair Labor Standards Act mandates are designed to protect workers in the U.S. All businesses are required to follow these mandates, which include the establishment of minimum wage, overtime pay, record keeping, and youth employment standards.
      
      
   5. Avoid Delays – Delays are often unavoidable in the construction industry, and they are one of the most common disputes between construction companies and clients. Even if there is nothing in your contract about penalties for delays, common law usually applies, which could force you to compensate your client for loss of rent, storage fees, moving costs, etc. Proper planning can help minimize the risk of delays.
      
      
   6. Provide Quality Work – Shoddy work not only damages your business reputation it can also result in a costly lawsuit. Avoid construction defects, including defects in the design, workmanship, and or materials used, by drafting well-crafted contracts, fulfilling the contract terms, performing and documenting periodic inspections, etc.
      
      
   7. Hire Subcontractors Wisely – When something goes wrong – someone is injured, there’s a crack in the foundation, etc. – the general contractor is often held responsible. Therefore, only hire subcontractors you trust and have a reputation for quality work. Draft a comprehensive contract and ensure they have appropriate insurance.
      
      
   8. Communicate – Good communication – with employees, subcontractors, and clients – is key to the success of any project. Employ communication techniques, such as choosing a suitable communication method, being an active listener, and keeping communication professional at all times.
      
      
   9. Consult a Specialist When Appropriate – If you or your employees don’t have the knowledge or experience to perform a specific task, hire someone who specializes in that task.
      
      
   10. Document – With each project, have a comprehensive contract AND thoroughly document any potential hazards, inspections, accident reports, etc.

How to Purchase the Right Insurance

Sometimes, despite your best efforts, you may find yourself on the wrong side of a lawsuit. Thankfully, the right insurance can help minimize the impact of any lawsuit.

The agents at American Insuring Group understand the unique risks contractors face, and – as independent agents – they compare the cost of your coverage with several companies to lower your premiums.

Give one of our contractor insurance specialists a call today at (800) 947-1270 or (610) 775-3848, or connect with us online.

Operating large trucks imposes many risks – accidents, theft, fire, and more - but Commercial Truck Insurance is designed to help protect you, your business, as well as other drivers. For example, Commercial Automobile Insurance provides protection if a third party is injured in an accident. General Liability coverage provides protection if a third party's property is damaged. Cargo Insurance provides protection if your cargo is lost or damaged.

However, if your truck is carrying hazardous materials, you're looking at a whole new level of risk, and additional insurance may be required to protect you from those risks.

Hazardous Materials

The Federal Motor Carrier Safety Administration (FMCSA) defines hazardous materials as "those materials designated by the Secretary of the Department of Transportation as posing an unreasonable threat to the public and the environment."

That can include hazardous substances, hazardous wastes, marine pollutants, elevated temperature material, and more. Examples of hazardous materials include some battery-powered equipment, corrosives, dry ice, flammable solids, toxic substances, patient specimens, flammable solids, explosives, gases, etc.

According to the Bureau of Transportation Statistics, from 2016 to 2020, there were a total of 84,854 highway hazardous materials incidents, 34 highway hazardous materials fatalities, 623 highway hazardous materials injuries, and $286,837 in highway hazardous materials property damage.

Insurance Options

In addition to standard trucking insurance policies, truckers have additional options to protect them - some are required by law.

• • • • Transportation Pollution Liability – Sometimes called Environmental Insurance, Transportation Pollution Liability Insurance provides protection for materials being transported, shipped, or delivered. For example, if a cement truck rolls over and its contents end up polluting a stream.
        
        
      • Trucking Umbrella or Excess Liability — With limits up to $50,000,000, Trucking Umbrella or Excess Liability Insurance provides additional liability coverage beyond your primary liability limits on policies, such as General Liability or Commercial Auto Liability Policies.
        
        
      • Hazmat Hauler's Liability — Often required by a contract, Hazmat Hauler's Liability Insurance provides liability coverage for incidents not related to an automobile accident, such as delivering the wrong materials or products.
        
        
      • Single Deductible Endorsement — A deductible is the amount of money you agree to pay out of pocket when you make an insurance claim. Typically, if an accident causes damage to your tractor, trailer, and cargo, you could be looking at three different deductibles. A Single Deductible Endorsement allows you to have one deductible; thereby, saving out-of-pocket expenses.
        
        
      • Loading & Unloading — Hazardous materials create risks even when they aren't being transported. Loading & Unloading coverage helps protect cargo when it is being loaded and unloaded from your truck.
        
        
      • Medical Payments— Offering an added level of protection for medical bills in the event of an accident, Medical Payments Coverage pays medical and other expenses for drivers and passengers, regardless of fault.
        
        
      • Truckers Downtime Insurance – Like Business Interruption Coverage, Truckers Downtime Insurance (typically added to your physical damage policy) helps cover lost income if you cannot use your truck due to a covered loss.
        
        
      • Loan or Lease Gap Coverage – If your truck or trailer depreciates faster than what you financed it for, Loan or Lease Gap Coverage pays the difference between the actual cash value and the unpaid balance on your lease or loan if your vehicle is totaled.
        
        
      • Truck Rental Reimbursement — Just because your vehicle is damaged in an accident doesn't mean you have to stop working. Truck Rental Reimbursement coverage (typically added to physical damage policy) covers a large part of the cost to rent a replacement vehicle.

How to Save on Trucking Insurance

Not all insurance needs are alike, and not every trucker or fleet owner needs the same coverage. American Insuring Group specializes in Truck Insurance and can ensure that you have the insurance that fits your needs. Plus, as independent agents, we compare coverage and pricing from multiple insurance companies to ensure you pay the lowest premiums for quality coverage.

Give us a call today at (800) 947-1270 or (610) 775-3848, or connect with us online.

Back injuries account for nearly 20% of all injuries and illnesses in the workplace, according to the Center for Disease Control & Prevention (CDC), and those injuries are costing businesses billions of dollars in lost productivity, Workers' Compensation Insurance costs, and more.

What Causes Back Injuries?

Back Injuries can happen in an instant or develop over time. Here are five common risks for back injuries:

• • • Repetitive Motion
    • Poor Physical Condition
    • Incorrect Lifting
    • Poor Posture
    • Inactivity

    How to Minimize the Risk of Back Injuries