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When we think of ways to lower the number of claims to reduce Commercial Truck Insurance costs, most people probably think about minimizing the risk of accidents. This makes sense because trucks are bigger, which means it takes them longer to stop and can cause more damage than a passenger vehicle.

However, another hazard truck drivers face isn’t so obvious – the long hours they spend sitting in tiring, restrictive, or uncomfortable postures. “Researchers have associated sedentary behavior with approximately 35 chronic diseases and conditions,” according to Truckers News. Chronic conditions include obesity, sleep apnea, poor circulation, accelerated biological aging, nonalcoholic fatty liver disease, and peripheral artery disease.

A National Library of Medicine (NLM) study of long-haul truck drivers found that 69% of respondents were classified as obese, which increases the risk for many severe health conditions, such as high blood pressure, type 2 diabetes, coronary heart disease, osteoarthritis, sleep apnea, many types of cancers, mental illness, body pain, and low quality of life.

Another NLM study found that 78.6% of truck drivers have musculoskeletal disorders (MSD). “Musculoskeletal disorders (MSDs) are soft-tissue injuries caused by sudden or sustained exposure to repetitive motion, force, vibration, and awkward positions,” the Centers for Disease Control and Prevention (CDC) reports. “These disorders can affect the muscles, nerves, tendons, joints, and cartilage in your upper and lower limbs, neck, and lower back.“

Optimal Seating Position

Understanding the optimal seating position can help alleviate many health issues by decreasing strain on various body parts. Plus, it can increase driver comfort, increase safety in a vehicle accident, and optimize the visibility of the vehicle controls while driving.

Experts recommend these steps to adjust your seat optimally:

• Step 1: Using the forward and reverse seat controls, adjust your seat so your knees are slightly bent. A two-finger gap should exist between the back of your knee and the seat.
• Step 2: Raise the seat until your hips are level with your knees.
• Step 3: Adjust the backrest so that your back is at a 100-degree angle.
• Step 4: Adjust the headrest so that it is centered with the back of your head.
• Step 5: Adjust the lumbar support control so that it fits in the curve of your lower back

Experts recommend these tips to sit in your seat optimally:

• Sit with your body the whole way back in your seat.
• Hold the steering wheel in the “9 and 3” position. Driving with two hands is safer and causes less strain on the spine.
• Keep your left foot on the footrest as much as possible. This helps minimize strain on the back and pelvis.
• Adjust the seat belt so that it wraps around your pelvis area and not your stomach. This will ensure the most protection in the event of an accident.

Regular breaks and stretching are another critical step in alleviating many health consequences of long-haul driving. The rule of thumb is to take a 15-minute break for every two hours on the road.

Stretching before, during, and after a trip and during regular workouts can also help. “Stretching keeps the muscles flexible, strong, and healthy, and we need that flexibility to maintain a range of motion in the joints,” according to the Harvard Medical School. “Without it, the muscles shorten and become tight. Then, when you call on the muscles for activity, they are weak and unable to extend all the way. That puts you at risk for joint pain, strains, and muscle damage.”

Lower Your Commercial Truck Insurance Cost

American Insuring Group is committed to providing affordable commercial truck insurance. As Truck Insurance experts and independent agents, we compare the cost of your coverage among multiple insurance companies to ensure that you pay the lowest premium for the right coverage.

Call us today at (800) 947-1270 or (610) 775-3848, or connect with us online!

Workers' Compensation (WC) Insurance is required for almost every employer in nearly every state, including Pennsylvania. WC provides wage-loss and medical benefits to employees injured on the job and reduces employer litigation costs. However, no employer wants to pay more for WC insurance than necessary, so savvy businesses are always on the lookout for ways to lower WC costs.

Good job descriptions can lower Workers' Comp and other operating costs, but sadly, many businesses have inadequate or no written job descriptions.

What is a Good Job Description?

"A job description is a tool that explains the tasks, duties, function, and responsibilities of a position," according to Strategic Human Resource Management (SHRM). "It details who performs a specific type of work, how that work is to be completed, and the frequency and the purpose of the work as it relates to the organization's mission and goals."

HR experts suggest that all job descriptions include the following elements:

• Heading Information – job title, pay range, reporting relationship, hours, and likelihood of overtime or weekend work
• Summary of Objectives of the Job – general responsibilities, essential tasks, expected results
• Qualifications – education, experience, training, technical skills
• Physical Requirements (essential for lowering WC costs) – Is heavy lifting required? Are there long periods of standing? Does the job require climbing? Is driving a part of the job? Are specific body parts taxed more than others?
• Job Duties and Responsibilities – what tasks need to be performed and accomplished

SHRM recommends the following steps to create a good job description:

1. Perform a Job Analysis
2. Establish the Essential Functions
3. Organize the Data Concisely
4. Add the Disclaimer
5. Add the Signature Lines
6. Finalize

Why Are Good Job Descriptions Helpful?

No law requires employers to create job descriptions, but they can be extremely useful for the following:

• Recruiting and hiring purposes – A detailed job description will attract candidates with the right qualifications to perform the job, limiting the number of applicants and saving you time.
  
  
• Determining salaries – When job requirements are laid out – education, training, certification, physical requirements, etc., it's easier to determine appropriate compensation.
  
  
• Conducting performance reviews – A detailed job description provides a gauge managers can use to evaluate an employee's performance.
  
  
• Mitigating risk and limiting liability – An accurate and updated job description can become a helpful legal document if an employee files a lawsuit against you.
  
  
• Exempt vs. non-exempt – A job description can help justify an employee's exemption status under the Fair Labor Standards Act.
  
  
• Lowering Workers' Compensation costs – Correctly matching a worker's physical abilities to the physical demands of a job can decrease the risk of an injury and a resulting WC claim. Fewer claims mean lower WC premiums. Also, a detailed job description is an essential tool for a physician who is determining whether an injured worker is capable of returning to work in either a full or modified capacity. Studies have shown that getting an injured employee back to work as quickly and safely as possible is the best approach for both the employee and the company because claims are resolved more quickly; administrative costs, overtime pay, absenteeism, lawsuits, and staff turnover are reduced; productivity, employee morale, and employee relations are improved.

Do You Want to Lower Your Workers' Compensation Costs?

At American Insuring Group, we offer cost-effective Workers' Comp insurance from various competing insurance companies. We work diligently to ensure you receive the best price on quality insurance that protects your employees and your business.

Ready to save? Call us today at (800) 947-1270 or (610) 775-3848, or connect with us online!

Toolbox talks are designed to improve safety, minimize the risk of injury, and save money – including Contractor Insurance costs. Construction sites are filled with hazards. “In 2020, 4,764 workers in the United States suffered fatal work injuries,” according to the U.S. Bureau of Labor Statistics. “Over that period, the private construction industry accounted for 1,008 deaths or 21.2 percent of total deaths.” 

Hand and power tools are a necessity on any construction site, but even the simplest tool can become a hazard when poorly maintained or misused. 

Using the Wrong Tool

Using the right tool for the job may seem so apparent that a toolbox talk addressing the issue appears silly. However, many workers – knowingly or unknowingly – break this rule. For example, imagine a worker discovers he missed that last screw and has already put his drill away, but his pocket knife is handy, so he uses it to drive in that last screw.

You’ve probably seen something similar on a worksite or perhaps even did it yourself. Nine times out of ten, everything goes just fine, but it only takes one time – the blade slips and causes a severe laceration, damages material, breaks a tool, etc. – to become an issue. 

Examples of Using the Wrong Tool:

• Using a tool for a purpose, it was never intended for
• Using a damaged tool
• Using the right tool incorrectly
• Improperly modifying a tool
• Not taking proper safety precautions, such as not wearing appropriate PPE when needed

Reasons workers may not use the right tool:

• They haven’t been trained properly
• They don’t know the hazards
• They don’t know the correct tool to use
• They think an injury can’t happen to them
• It seems easier

Workers can minimize the risk of many injuries by understanding what tool is suitable for the job (and using it) and properly maintaining their tools. A toolbox talk addressing the issue can remind workers of the dangers of using the wrong tool and minimize some of the hazards workers face every day.

Hazards of Using the Wrong Tool

The first step is to remind workers of the hazards of using the wrong tool. They could…

• Injure themselves – getting an electrical shock or electrocution by using uninsulated steel tools
• Injure someone else – a loose, splintered, or cracked wooden handle on a hammer or axe can cause the head of the tool to fly off and hit someone else
• Damage materials – cracking tiles by using the wrong drill bit
• Break their tools – breaking a screwdriver by using it as a chisel or pry bar
• Cause an accident – starting a fire with an overworked, over-heated power tool
• Make the job more difficult than it needs to be – using a dull saw or the wrong type of saw to cut materials

Proper Training

Proper training – including toolbox talks - is crucial. Workers need to understand that your business prioritizes safety and how to use and maintain tools properly. 

The U.S. Department of Labor offers five basic safety rules to help prevent hazards associated with the use of tools:

1. Keep all tools in good condition with regular maintenance.
2. Use the right tool for the job.
3. Examine each tool for damage before use, and do not use damaged tools.
4. Operate tools according to the manufacturer’s instructions.
5. Provide and use properly the right personal protective equipment.

Additional tool safety tips include the following:

6. Read the manufacturer’s instructions
7. Inspect all tools before use
8. Keep sharp tools covered when not in use
9. Store tools properly when not in use 

Get a Free Contractors Insurance Quote Today

Want to lower your Contractor Insurance costs? Call American Insuring Group at (800) 947-1270 or (610) 775-3848 or connect with us online for a free quote. As independent agents, we compare the cost of your coverage with several carriers to ensure you pay the lowest premium while getting the reliable coverage you need.

Restaurant Insurance provides protection for a variety of establishments – full-service restaurants, bars, nightclubs, pizzerias, delis, caterers, food trucks, and more. And each type of restaurant has different risks and needs, which is why Restaurant Insurance can be complicated and should be customized.

It is a necessary investment for any restaurant, but no restaurant owner or manager wants to pay higher insurance premiums than necessary. So, whether you're still developing your business plan or have been in business for generations, understanding factors that affect your insurance premium can help your restaurant's bottom line. Here are six factors that can affect the cost of your Restaurant Insurance.

1. Type of Restaurant

Every business is assigned a classification code based on the business's industry and activities. It may come from Standard Industrial Classification (SIC) or the North American Industry Classification System (NAICS). In Pennsylvania, the Pennsylvania Compensation Rating Bureau (PCRB) is the Workers' Compensation rating authority. Cafes, fast food restaurants, fine dining, and family-style restaurants are a few examples. The code assigned to your restaurant can affect the cost of your insurance premium.

Insurance is all about risk; therefore, the more risk you carry, the higher your insurance premiums. For example, a restaurant selling alcohol has more risk than one that doesn't. Furthermore, the volume of alcohol sales in relation to your total gross sales will also affect your premium. If a large percentage of your total gross sales is alcohol, you expose your business to more risk, and your premiums will probably be higher. Some insurance companies won't insure you if they deem the percentage of alcohol sales too high.

If your restaurant offers additional activities, such as entertainment, delivery, off-site catering, a mechanical bull, etc., you may also pay a higher premium due to the added risk.

2. Value of Assets

Another factor affecting insurance rates is how much it will cost to replace or repair something if it is damaged. If your assets – the building, furnishings, electronics, kitchen equipment, vehicles, artwork, etc. – are higher end, your insurance premiums will be higher. So before purchasing an expensive vehicle for deliveries, you may want to consider how it will affect your insurance premiums.

3. The Space

If you lease the space, your lease agreement will probably have specific insurance requirements. If you own the property, you may pay a higher premium for a larger space because there may be more risk and a higher value. Many insurance companies base the rate of property insurance per 100 square feet. The location of your restaurant can also affect insurance costs.

4. Number of Employees

The number of full– and part-time employees can affect several types of insurance, such as health insurance and certain types of liability insurance. Furthermore, in Pennsylvania (and most states), employers are required to carry Workers' Compensation Insurance (WC) for their employees, so the more employees you have, the higher your WC costs.

5. Your Restaurant's History

If you have been in business for a few years and have proven to be riskier than the average restaurant, you may pay higher Restaurant Insurance rates. On the other hand, if you've proven to be a lower risk, you should be able to lower your insurance rates. Insurance companies look at the number of years you've been in business, your loss history, and more to determine your premiums.

6. Independent vs. Captive Insurance Agent

Many insurance companies focus on different types of insurance, so sometimes getting various types– property, liability, WC, etc. – from different carriers is the least expensive route. A captive agent only represents one insurance company. Whereas an independent agent represents several insurance companies and will check with each to ensure you pay the lowest rate for your insurance coverage.

The agents at American Insuring Group are independent agents. We'll help you get the right coverage at the lowest cost. Contact one of our agents specializing in Restaurant Insurance today at (800) 947-1270 or (610) 775-3848, or connect with us online.

When we think about factors that increase Commercial Truck Insurance costs, we often think about accidents. And, yes, preventing accidents should be a priority if you want to lower insurance costs. Still, there is another often-forgotten factor that can also increase truck insurance costs – drivers being sedentary and staying in one position for hours on end.

Not many jobs are more sedentary than driving a truck, and sitting in one position can cause several issues, from stiff muscles to back pain and more. In fact, the National Library of Medicine reports, “The prevalence of low back pain in truck drivers was 59%.”

One simple solution can help reduce the frequency of these issues - stretching before, during, and after a trip and during regular workouts. “Stretching keeps the muscles flexible, strong, and healthy, and we need that flexibility to maintain a range of motion in the joints,” according to the Harvard Medical School. “Without it, the muscles shorten and become tight. Then, when you call on the muscles for activity, they are weak and unable to extend all the way. That puts you at risk for joint pain, strains, and muscle damage.”

6 Stretching Tips for Truck Drivers

Before beginning any workout routine – including stretching, it’s always best to consult with a physician. Here are six tips to keep in mind.

1. Avoid stretching cold muscles
2. Understand the difference between dynamic and static stretching
3. Stretch your whole body
4. Breathe with your stretches
5. Stretches should not be painful
6. Hold your static stretches

And remember, it may have taken you months or even years to get to the point you’re at now, so don’t expect one five-minute stretching workout to work miracles. You need to continue to stretch regularly over time to achieve flexibility, relieve tension, reduce fatigue, and improve your posture. In addition, you need to continue stretching to maintain the benefits achieved.

17 Stretches for Truck Drivers

Once you’ve consulted with your physician, the following stretches can be done before you begin driving, during breaks, after you’re done driving, or during your regular workout. Hold each stretch for five to thirty seconds and do five reps at a time. If you don’t have time to do all the stretches, focus on the areas that feel the tightest.

Click here for detailed instructions and a video demonstrating each stretch.

            LEG STRETCHES

1. Toe Raises
2. Hamstring Stretch
3. Calf Stretch
4. Thigh Stretch

       BACK STRETCHES

5. Back Extension
6. Knees to Chest Stretch

SHOULDER STRETCHES

7. Simmer’s Stretch
8. Stretch Across
9. Butterfly Stretch
10. Reach for the Sky

NECK STRETCHES

11. Chin Tuck
12. Upper Trap Stretch

ELBOW STRETCH

13. Triceps Stretch

HAND STRETCHES

14. Open/Closed Fist
15. Thumb Stretch
16. Wrist Flexion/Extension
17. Prayer Stretch

And remember, these stretches should not cause pain. If you feel pain, you may be stretching too deeply or too soon. If you feel pain, ease off the stretch and keep stretching without pushing the muscle too hard. Over time, as you become more flexible, you should be able to stretch more deeply without feeling pain.

Get Affordable Commercial Truck Insurance

American Insuring Group is committed to providing affordable truck insurance. We analyze your specific risks and needs and provide savings and safety tips (like the stretching information in this blog). Furthermore, as independent agents, we compare the cost of your coverage with multiple insurance companies to ensure that you pay the lowest premium for the right coverage.

▸ Call us today at (800) 947-1270 or (610) 775-3848, or connect with us online!

No employer wants to pay more for Workers’ Compensation Insurance than necessary. Still, they also don’t want to be caught being underinsured, which is why assigning the correct job classification codes is crucial.

What are Job Classification Codes?

A job classification code is a three- or four-digit code that is assigned to every employee based on the type of duties they perform. Most states use the National Council on Compensation Insurance (NCCI) classification system. However, other states use their own classification system. As of this writing, those states include:

• Pennsylvania
• Delaware
• New Jersey
• New York
• North Carolina
• Indiana
• Massachusetts
• Michigan
• Minnesota
• Wisconsin
• California

In Pennsylvania, the Pennsylvania Compensation Rating Bureau (PCRB) is the Workers’ Compensation rating authority.

How do Job Classification Codes Affect WC Premiums?

Whatever classification system is used, these codes are based on the amount of risk a job or work environment may pose. Each code is assigned a specific value based on these risks, which then helps insurance companies determine the cost of WC premiums. The higher the risk, the higher the value assigned.

This is the basic (oversimplified) formula used to calculate your premiums:

RATE x (PAYROLL/100) x EXPERIENCE MODIFIER = PREMIUM

RATE is determined by an employee’s classification code value based on the likelihood of that employee being injured on the job. An employee performing a more dangerous job, such as a construction worker, will have a classification code with a higher value than someone in a less risky position, such as an office worker.

If you were to accidentally assign the code for a construction worker to an office worker, you’d end up paying more for WC insurance than necessary. On the other hand, if you accidentally (or purposely) assign the code for an office worker to a construction worker, you could face fines and potential lapses in coverage.

Employee vs. Independent Contractor

In most states, any business with one or more employees is required to carry Workers’ Compensation Insurance for its employees. As we said, EVERY employee is assigned a classification code. If you higher an independent contractor, you are not required to carry Workers’ Compensation for that individual, which is why many business owners are tempted to classify an employee as an independent contractor. This is not a good idea for many reasons.

“In the event, an employer is uninsured at the time an employee suffers a compensable work-related injury, the department will pursue reimbursement from the employer of monies paid from the Uninsured Employers Guaranty Fund in relation to the claim. Reimbursement will include costs, interest, penalties, fees under section 440 of the Worker’s Compensation Act and attorney fees,” according to the Pennsylvania Department of Labor & Industry. “The department will also pursue prosecution against the uninsured employer under section 305 of the Act.”

Misdemeanor convictions can result in a $2,500 fine and up to one year in prison for each day the employer is in violation. Felony convictions can result in a $15,000 fine and up to seven days in jail for each day the employer intentionally violated the requirement.

The injured employee can also sue the employer for work-related injuries or diseases.

Get The Right Worker's Comp Insurance

Ensuring that the correct job classification code is assigned to each employee can be overwhelming, especially if you have thousands of employees or locations in multiple states.

The agents at American Insuring Group specialize in Workers’ Comp insurance and can help ensure that the correct job classification codes are assigned to each employee. And, remember that job duties can change, so a regular review of job codes can help ensure that your employees have the right Workers’ Comp coverage.

Don't overpay for WC Insurance! Contact one of our agents specializing in Workers Compensation Insurance today at (800) 947-1270 or (610) 775-3848, or connect with us online.

The more injuries your workers sustain, the higher your Contractors Insurance premiums. One all-to-common injury is traumatic brain injury (TBI) that results from falling debris, tools, and materials; flying objects; and hitting low beams. 

The construction industry has the highest number of fatal and nonfatal work-related (WR) TBIs. “From 2003 to 2010, 2,210 construction workers died because of a TBI (a rate of 2.6 per 100,000 full-time equivalent workers),” according to the Centers for Disease Control and Prevention (CDC). “These deaths represented 25% of all construction fatalities and 24% of all WR TBI fatalities among all industries during that period.” 

The CDC states, “More severe TBIs can impact a worker’s ability to return to their pre-injury job and be expensive for both workers and employers in long-term rehabilitation and disability costs.” And don’t think that just because you own or operate a small construction company, your workers are immune to TBIs because workers in small construction companies are 2.5 times more likely to die from a TBI. 

Protective headwear is an essential part of protecting construction workers from WR TBIs. In fact, the Occupational Safety and Health Administration (OSHA) requires construction employers to provide head protection for “employees working in areas where there is a possible danger of head injury from impact, falling or flying objects, or electrical shock and burns.” 

However, protective headwear does more than protect workers from WR TBIs. The appropriate hard hat or safety helmet can also protect workers from electrical shock, burns, and more. 

Not all hard hats are created equal, and the proper head protection depends on the type of hazards the worker will be subjected to. Here is some information about hard hats and safety helmets to help you and your workers choose the most suitable headgear. 

All Good Protective Headwear Should do the Following:

• Be water resistant
• Be slow burning
• Include a suspension system
• Be resistant to penetration and blows to the head
• Absorb impact
• Provide insulation from electrical shock
• Shield the worker’s scalp, face, shoulders, and neck 

Hard Hats Vs. Safety Helmets

There are two types of head protection – hard hats and safety helmets. The purpose of the traditional hard hat is to protect a worker’s head from objects falling from above; however, not all hazards come from above. Therefore, safety helmets - which are equipped with more internal padding, adjustable chin straps, a small brim, face shields, ear protection, and other safety features - might be a better choice in many cases. Safety helmets, which look and feel different than a hard hat, usually sit closer to the head and provide additional protection from lateral impacts. 

Classes and Types of Hard Hats and Safety Helmets

Hard hats and safety helmets that comply with OSHA standards are marked inside with a class and a type. The class and type are the same for both hats and helmets. 

The class is based on how much electrical protection the headwear provides:

CLASS G (general) has been tested to withstand low-voltage electrical conductors of up to 2,200 volts.

CLASS E (electrical) has been tested to withstand high-voltage electrical conductors of up to 20,000 volts.

CLASS C (conductive) provides no protection from electrical conductors. 

And there are two types of head protection:

TYPE 1 reduces impact force from hits to the top of the head.

TYPE 2 reduces impact force from hits to the top and sides of the head. 

Training, Fit, and Maintenance of Hard Hats and Safety Helmets

Workers should be trained on OSHA requirements, your company’s policies, when and how to wear a hard hat or safety helmet, what type of headgear is most appropriate for each job, and how to maintain protective headgear.

The top reason workers give for not wearing head protection is a bad fit, and a hard hat or safety helmet that does not fit correctly can reduce its effectiveness. To ensure a proper fit…

• The head harness should leave a 1 to1 ¼” gap between the hard shell of the hat and the worker’s head
• The headgear should not fall off the worker’s head when they bend over
• The rim should face forward 

Over time, hard hats and helmets take a beating, so workers should inspect them regularly for cracks, dents, etc., to the shell; tears and frays in the straps; and fading or chalky appearance in the plastic to ensure they continue to provide good head protection. If, upon inspection, any of these are discovered, the head protection should be replaced. 

Lower Your Contractors Insurance Cost

Want to learn more about minimizing injuries? Check out American Insuring Group’s blog.

Want to learn how you can lower your contractors insurance costs? Call American Insuring Group at (800) 947-1270 or (610) 775-3848 or connect with us online!

Restauranteurs are always looking for ways to attract more customers, but it's important to consider any additional risk and Restaurant Insurance needs these changes may incur. Don't assume that your general liability insurance will cover everything when you make any changes to your business. It's always best to talk to an experienced insurance agent whenever you make a change. 

Here are a few new services that may require additional insurance or higher coverage.

Delivery Service

According to SevenRooms, two in five restaurants began offering food delivery services due to pandemic-related closures in 2020. If you decide to add this service, you have two options – hire your own employees to deliver food or hire a third-party delivery service. Hiring your own drivers gives you more control over your customer's experience, but you'll need to ensure that both the driver and the vehicle are properly insured. 

Hiring a third-party delivery service reduces your control over your customers' experience but also reduces much of the liability. 

Valet Service

Valet service is one way to improve customer service and attract high-end customers, and it offers both pros and cons regarding liability. Unfortunately, parking lots are surprisingly dangerous places. Statistics show that one in five (20%) car accidents occur in parking lots and garages annually, causing more than 60,000 injuries and 500 deaths. If you can hire good drivers, they may reduce the number of accidents; however, valet drivers tend to be younger, less experienced drivers. 

As with food delivery, you can hire your own drivers, who become your employees, giving you more control over who is driving your customers' vehicles and how well they are trained. A disadvantage of this option is that your restaurant will be liable for the driver's actions. 

The second option is hiring a third-party company, which significantly lowers your risk but does take away your control of the hiring and training of drivers. Also, you would still need insurance to protect your property if a driver causes damage. 

Before adding valet service, talk to your insurance provider about what is and is not covered and if you need additional insurance policies or to increase your limits. For example, you must ensure that you have workers' compensation insurance for any new employee. Your agent may recommend adding employee dishonesty, garage liability, or garage keepers insurance. They may also recommend increasing the coverage on your commercial liability insurance. 

Outdoor Dining

If you have a great view, outdoor seating has always been a great option. When COVID hit, creating an outdoor seating area became necessary for many restaurants. According to the National Restaurant Association, 48% of family dining, 56% of casual dining, and 62% of fine dining restaurants said: "They devoted more resources to developing or expanding outdoor dining areas." 

If you add outdoor seating, ensure you are adequately covered. Most policies automatically extend coverage to outdoor seating areas within 100-1000 feet of the restaurant, but you should always verify it with your insurance agent. Plus, you may need to increase your limit, primarily if you've invested a lot of money into the outdoor seating area. 

Alcohol Service

Serving alcoholic beverages can also bring in new customers but also comes with added risks. If you decide to start serving alcohol in your restaurant, you will need liquor liability insurance, especially if your business operates in one of the thirty-five states with dram shop liability statutes. 

Thirty-five states – including Pennsylvania - have instituted dram shop liability laws that allow individuals who drunk drivers hurt to sue the bar or restaurant that served the alcohol to the drunk driver. 

Live Entertainment

Providing live entertainment, such as bands, can create a livelier atmosphere, bring in new customers, and keep them there longer, but it could increase your liability risks. For example, musicians can trip and fall. There's also probably more risk of customer injuries and property damage if people are dancing rather than simply sitting at their table. Before adding live entertainment to your restaurant, talk to your insurance agent to ensure you have enough and the proper insurance to cover these additional risks. 

Lower Restaurant Insurance Costs the Easy Way!

Any type of addition to your restaurant can increase risk and insurance premium costs, but if you work with the independent agents at American Insuring Group, we will compare multiple insurance company policies to ensure you get the lowest rate for all of your Restaurant Insurance needs.

Call us today at (800) 947-1270 or (610) 775-3848 or connect with us online.

If you are or are planning to become an independent owner-operator, you must ensure that you have the right Commercial Truck Insurance coverage. One serious accident without proper insurance can put you out of business. On the other hand, paying for coverage you don't need can seriously affect your bottom line.

You're probably busy, and insurance can be complicated, so it may be tempting to pass the job of getting insurance onto someone else, like your broker or carrier. But no one else has as much invested in the success of your business or knows your specific needs as well as you do. Therefore, you must be informed and knowledgeable about insurance to ensure you get the coverage best suited to your unique needs.

What Type of Insurance is Available to Independent Drivers?

There are several types of insurance coverage that you may need as an independent driver. Of course, you probably do not need all of them, but it's important to consider potential risks and available insurance protection:

• Commercial General Liability (CGL) Insurance protects you if you are liable for property damage. The Insurance Information Institute states, "CGL coverage is one of the most important insurance products due to the negative impact that a lawsuit can have on a business and because such liability suits happen so frequently."
• Cargo Insurance protects against loss from legal liability for damage to goods or merchandise in your care and custody while in transit. It also provides coverage for things like debris removal and refrigeration breakdown.
• Trailer Interchange Insurance covers the insured's legal liability for damage to the trailers of others.
• Physical Damage Insurance typically insures your truck against damages from collisions, vandalism, fire, and theft. Most lenders require that you have this type of insurance.
• Non-Trucking Coverage is for those things that are not directly related to the trucking operation. For example, this coverage would include an occupational accident for the truckers and insurance for trucks that drive without cargo (i.e., the cargo has been delivered, and the truck is coming back empty).
• Passenger Accident Insurance covers the cost of medical expenses or accidental death to passengers in your vehicle who are not employees.
• Bob Tail Insurance ) is a liability insurance that provides coverage when operating a truck without an attached trailer or semitrailer.

What Affects the Cost of Truck Insurance for Independent Drivers?

Understanding the factors that affect the cost of your insurance can help lower your premiums. Here are some things that affect the price of truck insurance for independent drivers:

• Experience – Some insurance companies require a minimum of three years of CDL experience before they will even issue you a policy.
• Your Driving Record – The better your driving record – the fewer accidents and violations - the lower your insurance premiums.
• Cargo You're Hauling – Some types of cargo are more susceptible to theft or damage, which will increase insurance costs. And high-value cargo is also more expensive to insure.
• The Type, Age, and Condition of Your Truck – Larger and heavier trucks are more prone to accidents and can cause more damage, so that insurance may be higher. In addition, a truck with a higher price tag will also be more expensive to insure. However, safety features can lower the cost of insurance.
• Location – Some states require more insurance coverage than others. Plus, the more miles you need to travel also affects the cost of insurance, and some routes are considered more hazardous due to weather conditions, population, etc.
• Deductible – Your deductible is the amount of money you will be required to pay before your insurance kicks in when you make a claim. The higher your deductible, the lower your premiums. But you need to ensure that you have enough funds to cover the deductible if you need to make a claim.
• Payment Plan – If you can pay the premium in full – rather than in several payments - many insurance companies will offer a discount.

How to Get the Right Trucking Insurance for Your Needs

To get the right coverage and the lowest cost, talk to one of the agents at American Insuring Group. We specialize in truck insurance and we know your unique challenges and needs. Furthermore, as independent agents, we compare coverage and premiums among many insurance companies to ensure you pay the lowest price for quality insurance protection.

Call us today at (800) 947-1270 or (610) 775-3848 or connect with us online.

Workers’ Compensation (WC) Insurance and OSHA standards may seem interconnected, but they are two separate entities. 

What is OSHA?

The Occupational Safety and Health Administration (OSHA) was created in 1971 as a result of the Occupational Safety and Health Act of 1970. Its purpose is to “assure safe and healthful conditions for workers.” 

Based on extensive research, OSHA sets and enforces requirements and standards that employers are required to follow to help keep employees safe. The organization also provides training, outreach, education, and compliance assistance. 

OSHA states, “Under the OSHA law, employers have a responsibility to provide a safe workplace.’ Those responsibilities include, but are not limited to, the following:

• Keep records of work-related injuries and illnesses. (Note: Employers with ten or fewer employees and employers in specific low-hazard industries are exempt from this requirement).
• Ensure employees have and use safe tools and equipment and properly maintain this equipment.
• Use color codes, posters, labels, or signs to warn employees of potential hazards.
• Establish or update operating procedures and communicate them so employees follow safety and health requirements.
• Provide safety training in a language and vocabulary workers can understand.

Failure to comply with OSHA’s requirements and standards can lead to fines and even criminal prosecution referrals. The maximum penalty for violations is $15,625 per violation, and the maximum penalty for willful or repeated violations is $156,259 per violation. 

What is Workers’ Compensation Insurance?

In Pennsylvania (and many states), Workers’ Compensation Insurance is mandatory, employer-financed, no-fault insurance. It typically covers lost wages, medical expenses, disability payments, and death benefits related to work-related injuries or illness and protects employers from accident-related lawsuits. 

If an employer is uninsured when an employee suffers a compensable work-related injury, the employer will be required to reimburse any money paid from the Uninsured Employers Guaranty Fund in relation to the WC claim, including interest, penalties, and fees. Failure to comply can also lead to jail time. If the violation is deemed intentional, the employer could be charged with a felony offense with up to seven years of prison time. Furthermore, employers who fail to provide WC insurance can be sued by the injured employee for injuries related to the job. 

Bottom line: OSHA is focused on providing a safe work environment and minimizing the risk of injury, and WC Insurance is focused on providing medical care for employees injured in the workplace. 

How Can OSHA Compliance Help Lower Workers’ Comp Costs?

According to OSHA, “In 1970 [when the act was instated], an estimated 14,000 workers were killed on the job – about 38 every day. For 2021, the Bureau of Labor Statistics reports this number fell to about 5,190 or about 14 workers per day. At the same time, U.S. employment has more than doubled to over 143 million workers at more than 10 million worksites. The rate of reported serious workplace injuries and illnesses has also dropped markedly, from 10.9 per 100 workers in 1972 to 2.7 per 100 workers in 2021.” 

Because OSHA’s standards and regulations help lower the number of workplace injuries, complying with them helps lower WC costs. 

Creating a safer workplace is good business sense. Here are a few of the benefits:

• Happier employees
• Lower employee turnover
• Lower absenteeism
• Fewer lost workdays
• Better company reputation
• Fewer lawsuits
• Increased productivity
• Lower administrative costs
• Lower Workers’ Compensation Insurance costs 

Experts have found that businesses see an average return of $4-$6 for every dollar invested into workplace safety programs. 

5 Tips to Become OSHA Compliant

1. Understand OSHA’s Standards and Regulations
2. Utilize OSHA’s Resources
3. Develop, Implement, and Enforce a Workplace Safety Program
4. Create a Safety Culture

How to Save Even More on Workers’ Compensation Costs

Creating a safer work environment helps reduce the number of WC claims, thereby reducing WC costs. In addition, working with one of the experienced independent agents at American Insuring Group can help you save even more. For a free quote on any of your insurance needs, give us a call today at (800) 947-1270 or (610) 775-3848 or connect with us online.