Food Trucks may have started as a big-city phenomenon, but their numbers are growing in big and small towns alike. While the restaurant industry continues to grow at a steady rate of approximately 2% each year, food trucks have increased at a rate of 7.9% annually over the past five years, according to FoodTruckr.com. In 2017, food trucks were a $2 million industry.

Much of the appeal may be the relatively low start-up and operating costs. But as with any business, food trucks come with their share of risks. The right type of restaurant insurance can help protect your investment if something happens. Taking proactive steps to avoid that “dreaded something” from happening can save lots of time, money, and headaches, and avoid increased restaurant insurance premiums as well.

Here are three food truck risks you should consider and tips to help you mitigate them:

Damage to Your Vehicle

Your food truck is your livelihood, and if something were to happen to it – like a fire or auto accident – that puts your vehicle out of commission for any length of time, your business could be in jeopardy. Here are some tips to avoid damage to your food truck:

• Vet your employees.
  We know you have a lot of things to consider when hiring someone new, but if they will be driving your truck, it’s essential to check their driving record. If they’ve had multiple accidents or speeding tickets, the chances of them damaging your truck in an accident are probably higher. Plus, employees with bad driving records could cost you more on commercial auto insurance.
  
  
• Drive Safely.
  While your food truck is in motion, there’s always the possibility of an accident. However, there are safety measures that you can take and that you can share with your employees such as being an alert driver, maintaining your truck, Keeping enough space between you and the vehicle in front of you, etc. Mobile-Cuisine offers these food truck driving safety Tips.

Injury to an Employee

There are a lot of dangers in the food industry that also apply to food trucks like falling, burns, cuts, etc. Your employees can be your biggest asset and your biggest liability. Practicing safety in the kitchen can help save you money on Workers’ Compensation and liability costs, and it’s just good business. Here are tips to create a safe kitchen for your food truck:

• Create and enforce a safety plan.
  This is a big one. It can be time-consuming, but it is well worth your time if it can avoid causing injury to employees or customers.
  
  
• Train your employees.
  Creating a safety plan and then simply letting it sit in a drawer gathering dust is a waste of time and money. Make sure your employees understand and follow the safety procedures you’ve put in place. Make it clear that safety is a priority and hat your safety plan isn’t just a formality, but something that every employee is expected to follow.
  
  
• Create a safe environment.
  Try to eliminate potential hazards by keeping floors clean and uncluttered, providing personal protective equipment when appropriate, properly maintaining kitchen equipment, and following manufacturers’ instructions.

                 

Injury or Illness of a Customer

In this litigious society that we live in, every business owner needs to be aware of liability risks. If a customer standing in lines trips, falls, and hurts themselves, they could sue you. If they suffer from a food-related illness after eating your food, they could sue you. Liability insurance is a must, but here are some steps to limit injury and illness to your customers:

• To avoid food-related illnesses, follow food handling and safety measures such as storing food correctly, following proper cooking procedures, preventing cross-contamination, and practicing proper handwashing techniques.
  
  
• Ensure that the area around your truck is clear of hazards such as slippery surfaces, cords, etc., and clearly mark any potential hazards you may not be able to control.

Get the Best Commercial Insurance for Your Restaurant Business 

Being proactive is important, but sometimes no matter how careful you are, accidents still happen. This is where the right insurance can help protect your business.

The independent agents at American Insuring Group specialize in all types of Commercial Insurance. Their independence means they are free to shop the market to get you the best deal on insurance that's right for your business.  

So call us at (800) 947-1270 or (610) 775-3848, or contact us online.

 

It’s a little early to know for sure how the ELD (Electronic Logging Device) mandate has affected businesses in the trucking industry, but so far, the response seems to be a mixed bag.

Some say they haven’t seen any changes to their business and some have thrown in the towel and closed up shop saying the mandate is too cost prohibitive.

The compliance deadline for the ELD mandate affects three million drivers and went into effect December 18, 2017. It requires commercial motor vehicles (CMVs) involved in Interstate Commerce, to use an ELD.

 

3 Main Areas of Impact for the Electronic Logging Device Mandate

Based on what we’ve seen so far, it looks as if the three areas that are most likely to see the biggest impact from the new mandate are insurance rates, productivity, and cost.

Insurance Rates

Safety is the driving force behind the mandate imposed by the Federal Motor Carrier Safety Administration’s (FMCSA). The FMCSA has said, “The electronic logging device (ELD) rule – congressionally mandated as a part of MAP-21 – is intended to help create a safer work environment for drivers, and make it easier and faster to accurately track, manage, and share records of duty status (RODS) data.”

The idea is that ELDs (as opposed to the paper and pen method) will capture Hours of Service (HoS) more accurately and ensure that drivers are following safety and compliance standards, which should in turn reduce the number of accidents caused by fatigue. 

According the FreightWaves, driving more than 12 hours since the last main sleep is associated with an 86% increase in crash risk and driving more than five hours without stopping (getting out of the driver’s seat) more than doubles the risk of an accident. The FMCSA estimates that the ELD mandate will prevent about 20 fatalities and 434 injuries caused by driver fatigue every year.

Safer roadways and fewer accidents should produce lower truck insurance premiums. ELDs may also reduce or possibly eliminate lawsuits in which the plaintiff alleges that fatigue due to driving outside the HoS limits is the cause of an accident. Fewer lawsuits should also equal lower insurance premiums.

Plus, some ELDs offer more features and reporting capabilities – such as GPS tracking and engine data reporting – that can be used to improve asset utilization and increase preventative maintenance. Carriers that use these more-advanced devices may be able to use this information to lower their auto insurance premiums. 

Increased Cost Per Truck Annually

Complying with the mandate carries with it some up-front costs. FMCSA estimates that the average annual cost of an ELD is $495 per truck, with a total range of $165 to $832 per truck on an annualized basis. That may not sound like much, but consider a carrier with 10 vehicles that did not have ELDs prior to the mandate. They’re looking at an additional yearly cost of almost $5,000. In an industry with tight margins like the trucking industry, $5,000 every year can have a significant impact.

On the flip side, the FMCSA projects that ELDs will save more than $1.6 billion each year from paperwork savings alone. Add to that expected decreases in maintenance costs, reduced truck downtime, and lower crash rates, and that’s a pretty impressive savings.

Driver Productivity - Up or Down?

This area is the biggest mixed bag. The general mind-set is that automating any process, should save time. ELDs will eliminate the time required to write driver information in a log book. Everything will be done automatically for them.

However, some companies – particularly smaller companies - haven’t been fully complying with HoS restrictions prior to the mandate. With the information now being logged electronically, they’ll have no choice but to follow those restrictions or risk expensive fines. These companies will see a drop in driver productivity.

According to FreightWaves, smaller carriers, which make up 90-97% of trucking companies, will experience a 4-20% decline in productivity.

Another problem some drivers have reported is that many shippers and receivers aren’t ready for the mandate, and long hold times are creating problems for drivers who are spending too much time sitting at the dock.

In a DAT blog asking for feedback from carriers, drivers, freight brokers, and shippers about the new mandate, Marina Andreyreva commented, “ELDs were installed in all my trucks before the ELD mandate. There have been many changes in dispatching. So far, all delivery times have been rescheduled due to long hold times at the shipper. Problems at shippers now heavily reflect on drivers’ hours. This must be addressed in order to operate efficiently for both drivers and company owners. Brokers need to be aware of HOS and understand the law in order to build freight accordingly.”

We Can Help Smooth Your Transition to ELD 

Only time will tell the full impact of this new mandate, but American Insuring Group is here to help smooth the transition for our trucking insurance customers. As a representative of Progressive Insurance, we can offer participation in their SMARTHAUL program.

With the SMARTHAUL program, you have two options:

• The free use of an ELD
  This includes the monthly subscription/service fees as long as you share your driving data with Progressive. The device would need to be returned if you decide to opt-out or cancel your coverage with Progressive.
  
  
• The compensation program
  If you purchase your own Rand McNally ELD 50 or DC200 and agree to share your driving data with Progressive, you’ll receive $100 for plugging it in and an additional $100 for each quarter that the device stays plugged in – up to $500. You will be responsible for the monthly service fees, but the $500 compensation should cover those costs.
  
  

Save Big on Trucking Insurance with American Insuring Group

To learn more about the SMARTHAUL program, or to start saving BIG on trucking insurance, give American Insuring Group a call at (800) 947-1270 or (610) 775-3848, or contact us online.  

But don’t wait; the program is only available for a limited time.

If you are one of the 12 million drivers registered to operate a CMV (Commercial Motor Vehicle) in the U.S., you play a big part in keeping our highways safe – even more so than drivers of passenger vehicles.

In 2015, large trucks traveled 279.8 billion miles in the U.S. 11.9% of fatal motor vehicle accidents involved at least one large truck or bus and 7.6% of nonfatal accidents included at least one large truck or bus. The rate for fatal work zone crashes is even higher - 30%.

Taking measures to drive more safely not only makes our roads safer for everyone, but it can also help you save on commercial vehicle insurance.

What Makes Trucks More Dangerous?

The sheer mass and size of a large truck increase the likelihood of more severe damage and injuries than a passenger vehicle. The legal weight limit for a truck is 80,000 pounds (about 40 tons) – without any oversize or overweight permits. The average automobile is about two tons, and a bicycle is .75 tons.

You don’t have to be a mathematician to figure out that a 40-ton eighteen wheeler crashing into a passenger vehicle is probably going to cause a lot more damage than two passenger vehicles crashing into each other. In fact, seven out of ten people killed in vehicle accidents involving large trucks are occupants of the passenger vehicle.

In addition to the impact of a truck’s size, large trucks can also create significantly stronger wind gusts that can push smaller cars around. Taller vehicles like CMVs have a higher center of gravity, which can cause them to roll over more easily. And the higher ground clearance of many commercial vehicles can push or pull smaller cars under them during an accident.

Large trucks also have operating limitations that result in substantial blind spots, less maneuverability, and increased stopping distances.

Blind Spots

Large trucks create huge blind spots for truck drivers that limit visibility that many car drivers aren’t aware of. One study found inadequate surveillance of the truck driver caused 14% of large truck accidents.

These blind spots are located in sections of the lanes on both sides of the truck. The right side is the most dangerous blind spot because it extends further back. Other blind spots include about 30 feet behind the truck – large trucks don’t have rear-view mirrors, so drivers need to rely on side mirrors - and about 20 feet in front of trucks.

It is true that 80% of accidents that involve a truck are caused by the driver of the passenger vehicle – not the truck driver. Practicing defensive driving is the best way to avoid accidents caused by other drivers. That means being vigilant about watching your surroundings. You can do this by keeping your distance, maintaining a safe speed, staying focused and alert, and keeping your eye on the road.

Limited Maneuverability

The size and length of trucks can make taking sharp turns more challenging. When turning right, watch for vehicles on both sides before making the turn to avoid the “right turn squeeze.” Take extra care when turning in tight spaces such as truck stops and work zones.

Work zones are particularly hazardous for truck drivers. There are often lane shifts or uneven road surfaces. You may need to make a quick stop, and you have to watch for moving workers, equipment, and confused car drivers.

So be even more vigilant in work zones. Slow down, leave extra space between you and the vehicle in front of you, look ahead for changing traffic patterns, be alert to vehicles entering your blind spots, watch for road workers and flag crews, and obey all work zone signs and signals.

Increased Stopping Distance

A truck needs more stopping time than a passenger vehicle especially when it’s carrying a heavy load and when road conditions are slick with snow, ice, or rain. A fully loaded truck traveling at highway speeds needs a distance of almost two football fields to stop – and that’s when the roads are in good condition.

Being aware of the blind spots, limited maneuverability, and increased stopping distances large trucks cause is the first step to safer driving and to protecting your employees and your business. The right commercial truck insurance adds another layer of essential protection.

 

Need Truck Insurance You Can Afford? Contact Us Today 

Give the experienced agents at American Insuring Group at (800) 947-1270 or (610) 775-3848 a call, or contact us online. As insurance brokers, they can compare the prices of several insurance companies to ensure that you’re getting the best protection at the best rate. For more information on truck insurance, click below.

CLICK TO SAVE ON TRUCK INSURANCE

 

Have you ever arrived at one of your construction sites eager to start the day only to find that a piece of heavy equipment is missing, and a $250,000 lump is forming in your throat?

Theft of building materials, tools, or heavy equipment can set a project back and cost you thousands of dollars, not to mention raising your commercial vehicle insurance rates.

But it isn’t just about the cost of replacing the stolen equipment; it’s also the associated costs of theft such as lost productivity, rental fees, project overrun penalties, and higher insurance premiums.

Construction Equipment Theft Trends 

Insurance Services Office, Inc. (ISO) reports indicate that theft accounts for more than fifty percent of heavy equipment loss and is increasing up to 20 percent each year. Experts estimate that losses (including associated costs) from construction site theft is $1 billion or more each year.

How To Protect Your Construction Site From Theft 

While those statistics are frightening, there are steps you can take to make your site less attractive to would-be thieves, to make it more difficult for them, and to help reduce theft on your job sites:

Develop and enforce a theft prevention policy
First, you need to assess the job site. Some safety measures apply to any job site, while others are more site-specific. For example, some job sites – such highway projects that move every day - are more difficult to secure than others. All of your managers, employees, and subcontractors should be aware of the consequences of theft and specifically your prevention policy.

Secure your job site 
For some job sites, fencing is your first line of defense. Ideally, fences should be made of a see-through material (so thieves are visible from the outside), at least eight feet high, with barbed wire or razor tape at the top. Since gates tend to be the most vulnerable part of fencing, have only one entrance whenever possible and use high-security padlock that uses a key rather than a combination, which is easily shared with thieves. Keep track of who is assigned a key and where those keys are at all times. Post “Warning: No Trespassing” signs along the perimeter of your worksite. Lighting – which is low-cost, flexible, and can be used with other security devices – around the perimeter directed at the job site is also a key deterrent.

Secure your equipment
Lock up all tools and building materials in storage boxes and cargo trailers with tamper-resistant locks and chains. Securing heavy equipment can be as simple as removing batteries or lowering blades and buckets. You can also add additional security measures such as locks that immobilize controls or keep the wheels from moving, alarms, and fuel and ignition cut-off switches.

Unlikely to Recover Stolen Equipment 

Even with all these measures, determined thieves sometimes find a way especially when you have no choice but to store your equipment in an unprotected and remote location. According to the International Risk Management Institute (IRMI), as little as 10 to 15 percent of equipment stolen from work sites is ever recovered. Again, that statistic is frightening, but there are steps you can take to improve the chances of recovering your property.

How to Improve Your Chances of Recovering Stolen Equipment

Keep detailed records of your equipment
Starting in 2000, equipment manufacturers began using a standard worldwide 17-digit product identification number (PIN) system. Engrave this number on all of your equipment so that police can easily identify it if it is recovered. Keep track of all equipment on the worksite including photos, make, model, and PINs.

Register your construction equipment
Register your equipment with a company like the National Equipment Register or the Heavy Equipment Registration to help law enforcement identify and recover your equipment.

Get Protected - Get the Right Insurance
The final theft protection available to you is the right insurance. Commercial general liability (CGL) insurance usually only covers your equipment in the event of damage, not theft. Builders risk insurance is designed to protect your equipment in the event of losses caused by theft and other perils that can occur, and inland marine insurance, also known as tools and equipment insurance, is designed to protect property in transit.

Contact Us for the Best Insurance to Protect Your Construction Equipment

American Insuring Group specializes in all types of commercial insurance and can help determine the best insurance to protect your equipment. Give us a call at (800)947-1270 or (610)775-3848 or contact us online.  Our independent agents are free to shop the insurance market of competing providers, matching up your needs with their policies to find the best fit at the right price. Don't delay, call today to get protected and start saving!

Driving a truck is challenging enough. Add some snow, sleet or freezing rain, and you have the perfect storm not only for your safety, but for your trucking insurance rates. Few truck drivers can escape driving on wintry roads because more than 70 percent of the nation’s roads are located in regions that receive more than five inches average snowfall annually.

Winter Accident Rates 

The Federal Highway Administration (FHA) reports that 24 percent of weather-related vehicle crashes occur on snowy, slushy or icy pavement and 15 percent happen during snowfall or sleet each year. Every year more than 1,300 people are killed, and 116,800 people are injured in vehicle crashes on snowy, slushy or icy pavements.

Handling a 40,000-pound tractor trailer on treacherous wintry roads requires special driving skills and a lot of common sense as stop time increases and visibility and traction decreases.

Here are two tips to prepare for winter driving:

1. Make sure you have the following supplies in your truck. It’s better not to need something and have it than to need something and not have it:

• Kitty litter – When you stop for a meal or a bathroom break, your tires will be warm, which can quickly turn snow into ice. Kitty litter is a great way to get a little bit of extra traction to get you started.
• Good quality Lug tires
• Fuel conditioner
• Methyl hydrate for fuel and air lines
• Extra fuel filters (don’t forget a wrench)
• A hammer & putty knife. When driving in excessive amounts of snow, air tanks can quickly freeze. You can remove snow and ice packed on your air tanks with a hammer and putty knife
• Windshield washer fluid
• Chains
• Propane heater and lighter
• Extra warm clothing
• Insulated socks and good boots
• Extra blankets or a sleeping bag
• A well-charged phone
• Food and water
  
  

2. Be extra diligent during your circle check. Make sure that everything is in working order including the defroster, heater, wiper blades and motor, brakes, and lights. Top off the washer fluid. A few ounces of brake line antifreeze mixed in with the washer fluid can help prevent freezing on your window. Drain moisture from the air tanks. Start with a full tank of gas for extra weight over the drive tires to help with traction. Check the tires and the tire pressure. Make sure all windows, mirrors, and lights are completely clean before departing.

Here are six tips once you hit the road:

1. Slow down – This is the number one rule of safe winter driving. If roads are slick, the posted speed limits are probably too fast. Most at-fault accidents are due to excessive speeds.
2. Keep a safe distance – When possible, leave about ¼ of a mile between you and the vehicle in front of you.
3. Don’t stop on the shoulder – When visibility is bad, another vehicle may not see you or may think that you’re driving on the road and slam right into you.
4. Don’t over brake and don’t engage the jake brake on icy roads – Your truck may slow down, but your trailer may not.
5. Keep lights clean – Even if you start out with clean lights, snow and ice can build up decreasing visibility. Stop in a safe place periodically to make sure the lights on your truck are clean.
6. Use common sense – You may feel pressure from hours of service rules and dispatchers, but don’t put yourself (and others) in harm’s way. Know your limits and what your equipment can handle. If you don’t feel that the roads are safe enough to drive on, find a safe place to park your truck and wait out the storm. Call dispatch and have the delivery rebooked. Nothing is more important than your life.

Taking these precautions on snowy, icy, or slushy roads can help save lives. It can also help decrease the cost of your truck insurance premiums.

Call Us to Save on Commercial Vehicle Insurance

To learn more ways to save on any type of commercial vehicle insurance, give the experienced agents at American Insuring Group a call at (800) 947-1270 or (610)775-3848, or click here to contact us online.

American Insuring Group has teamed up with Progressive Insurance to help commercial trucking companies comply with the new Electronic Logging Device (ELD) mandate.

As the #1 commercial truck insurer, Progressive understands not only the advantages of ELD but also the cost of implementing an ELD.

As a partner with Progressive, we can offer our Progressive truck insurance customers FREE USE of an ELD device or up to $500! It’s an easy and smart way to comply with the ELD mandate at no cost to you while getting great truck insurance coverage at the same time! Contact us for more information.

 

ELD Compliance and Benefits

An ELD records a driver’s Record of Duty Status (RODS) electronically and replaces the paper logbook traditionally used by some drivers to record their Hours of Service (HOS) compliance. While many fleets are already equipped with electronic logging technology, it’s important to ensure that the equipment is compliant with the new mandate.

The information captured by ELDs goes beyond RODS such as Driver Vehicle Inspection Reports (DVIR), IFTA Automation, and even driver behavior (speeding, idling, and hard braking). Some ELDs are also equipped with map and route solutions to help drivers avoid construction and high-traffic areas.

Many trucking companies installed ELDs prior to the mandate because of the many benefits an ELD provides such as saving time, reducing paperwork, slashing fuel costs, increasing driver communication, and keeping dispatchers up-to-date on a driver’s status, so they can plan for loads better.

 

About the Electronic Logging Device Mandate

The ELD mandate, part of MAP-21, requires commercial motor vehicles (CMVs) involved in Interstate Commerce, to use an ELD. The deadline for compliance set by the Federal Motor Carrier Safety Administration’s (FMCSA) went into effect December 18, 2017.

Here are the key rules of the Electronic Logging Device (ELD) rule according to the FMCSA:

• Requires ELD use by commercial drivers who are required to prepare hours-of-service (HOS) records of duty status (RODS)
• Sets ELD performance and design standards, and requires ELDs to be certified and registered with FMCSA
• Establishes what supporting documents drivers and carriers are required to keep
• Prohibits harassment of drivers based on ELD data or connected technology (such as fleet management system). The rule also provides recourse for drivers who believe they have been harassed

The mandate applies to most motor carriers and drivers who are currently required to maintain records of duty status (RODS). The rule applies to commercial buses as well as trucks.

The FMCSA allows for the following limited exceptions to the mandate:

• Drivers who operate under the short-haul exceptions may continue using timecards; they are not required to keep RODS and will not be required to use ELDs.
• Drivers who use paper RODS for not more than eight days out of every 30-day period.
• Drivers who conduct drive-away-tow-away operations, in which the vehicle being driven is the commodity being delivered.
• Drivers of vehicles manufactured before 2000.

 

How to Get a FREE ELD or up to $500

In response to this new mandate, Progressive Insurance launched its SMARTHAUL program, and as a representative of Progressive, we can offer it to our commercial trucking customers.

There are two options for the SMARTHAUL program:

1. The free use of an ELD - This includes the monthly subscription/service fees as long as you share your driving data with Progressive. The device would need to be returned if you decide to opt-out or cancel your coverage with Progressive.
   
   
2. The compensation program - If you purchase your own Rand McNally ELD 50 or DC200 and agree to share your driving data with Progressive, you’ll receive $100 for plugging it in and an additional $100 for each quarter that the device stays plugged in – up to $500. You will be responsible for the monthly service fees, but the $500 compensation should cover those costs. 

Data collected by these ELDs will help Progressive better understand driving behaviors of truckers, and it will not be associated with you or your policy.

 

Contact Us For All Your Truck Insurance Needs 

To learn more about the SMARTHAUL program or any trucking insurance need, give American Insuring Group a call at (800) 947-1270 or (610) 775-3848 or click here to contact us online. But don’t wait; the SMARTHAUL program is only available for a limited time.

Nearly 70 percent of all freight transported within the U.S. is delivered by trucks every year, and the value of that cargo is about $671 billion in manufactured and retail goods. Also, there is about $295 billion in truck trade with Canada and $195.6 billion with Mexico. And those numbers continue to increase every year.

So, who is responsible for insuring all that freight? What if it gets damaged or lost? Does that responsibility fall on the business sending the cargo or on the carrier transporting it?

When it comes to cargo trucking insurance, typically the person or company transporting the cargo is liable for it until it is delivered and signed for. There are a few exceptions such as acts of God (hurricanes and tornadoes), public authority (authorities placing cargo under quarantine), or damage caused by the shipper (loading the truck improperly).

Do You Transport the Property of Others? Then You Need Cargo Trucking Insurance!

Most companies think about commercial auto insurance to protect against liability, damage, and injuries to their employees. In the transportation industry, protection for your cargo is often equally as important. If you are in the business of transporting the property of others, you need to consider Cargo Trucking Insurance.

What it Covers

Cargo Trucking Insurance covers your liability if the cargo you are transporting is lost or damaged due to fire, collision, or being hit or run over. It covers you while the cargo is under your care, custody, and control until it is delivered and signed for. Some policies even cover the cost of removing debris or pollutants that are accidentally dumped on the road.

Not Available Everywhere

Cargo Trucking Insurance isn’t available in all states, and there are some restrictions. On the other hand, some states and most carriers require it for owner operators or companies transporting their goods. And there are federal mandates that require Cargo Truck Insurance in certain circumstances. For example, when you’re carrying household goods across state lines.

Types of Trucks That Can be Covered

Cargo Trucking Insurance is only available for dump trucks, tractors, most trailers, box trucks, cement mixers, cargo vans, dually pick-ups, flatbeds, and car haulers. It is not available for garbage or ice cream trucks or passenger transportation such as limos, buses, and hearses.

Cargo Trucking Insurance Costs 

The cost of this insurance and the cargo limits can be different depending on the type of cargo being hauled and its origin and destination. To determine the value of the cargo, the owner of the goods should provide a bill of lading, which is required if filing a claim.

As the carrier, you can lower the cost of Cargo Trucking Insurance by increasing your deductible. However, it’s important that make sure you have enough money readily available to cover that deductible in the event of damage or loss.

Insurance Exclusions and Limitations

Cargo Trucking Insurance often includes exclusions for specified types of cargo such as live animals, art, jewelry, money, pharmaceuticals, tobacco, and alcohol. There may also be higher deductibles and sub-limits for certain types of cargo, and theft coverage may be capped at an amount lower than the cargo limit. If your vehicle is left unattended and there is damage or loss to the cargo, certain policies will not cover that loss.

 

We Can Help With All Your Cargo Trucking Insurance Needs

Cargo Trucking Insurance is complicated. There are many exclusions and limitations that insurance agents who do not specialize in trucking insurance may not understand. The independent agents at American Insuring Group are experts in all types of Truck Insurance including Cargo Trucking Insurance.

To learn more about this and other types of commercial insurance, call the friendly agents at American Insuring Group at (800) 947-1270 or (610) 775-3848 or contact us online. You'll save because as independent agents we're free to compare prices and coverage among lots of competing insurance providers.

American Insuring Group - we know trucking insurance!

You have a great deal of power behind the wheel of a tractor-trailer. It's your responsibility to drive safely. As a bonus, if you do, then you'll also enjoy lower truck insurance costs.

Sobering Trucking Statistics

Truck engines have 300-400 more horses than a passenger vehicle and 900-1,800 more feet/pound of torque, and tractor trailers can weigh 20-30 times more than a passenger vehicle, according to the Truckersreport.com.

Plus, tractor trailers “are taller with greater ground clearance, which can result in smaller vehicles underriding trucks in crashes,” according to the Insurance Institute for Highway Safety (IHS). And tractor trailers have more blind spots and take 20-40 percent farther to come to a complete stop than passenger vehicles, according to IIHS.

With great power comes great responsibility. “About 98 percent of all semi accidents result in at least one fatality,” TruckAccidents.org reports. “Most deaths in large truck crashes are passenger vehicle occupants,” according to IIHS. In 2015, IIHS reported that 3,852 people died in large truck crashes – 16% were truck occupants, 29% were car occupants, and the rest were pedestrians, bicyclists, or motorcyclists.

Here are 5 Important Safety Tips for Truck Drivers:

1. Be Alert – Give the road your full attention and be aware of what is going on around you. Know who is in front of, behind, and next to you at all times. Try to anticipate potential dangers and always leave enough space to allow for safe braking and unexpected actions. The Federal Motor Carrier Safety Administration (FMCSA) recommends, “If you are driving below 40 mph, you should leave at least one second for every 10 feet of vehicle length. For a typical tractor-trailer, this results in 4 seconds between you and the leading vehicle. For speeds over 40 mph, you should leave one additional second.”

Being well-rested is key to staying alert.  The hours-of-service regulations, which puts limits on when and how long you can drive, were put into place to help ensure that you remain awake and alert while driving. Don’t compromise safety; follow these regulations.

2. Watch the Weather – Weather is one of the most significant factors that affect driving safety. Knowing what to expect can help you be better prepared. A wet road requires more room to stop, so slow down and keep an even safer driving distance between you and the car in front of you in bad weather. And pay attention to the temperature as rain can quickly turn to treacherous ice when the temperature drops.

If you don’t feel safe in the current driving conditions, stay parked. Know your limits and don’t be a hero. Nothing is worth risking your life for.

3. Pick a Lane – The chance of an accident increases every time you change lanes, so pick a lane and stay in it whenever possible. If you do need to change lanes, do so carefully. Be aware of your blind spots and carefully check your mirrors.
   
   

4. Plan Your Travel – If possible, avoid traveling in high-volume traffic at peak times. Allow time for regular breaks to stretch and recharge. Watch the weather to see if you can expect any dangerous conditions and make sure that your truck is equipped with supplies for all driving conditions. Check your rig and your load before starting.
   
   

5. Maintain Control – Remember that your vehicle is bigger and more powerful than most of the vehicles around you and that it won’t stop or take a turn the way a smaller vehicle The best way to maintain control is to control your speed.

No matter how “hot” your load is, nothing is worth risking your life for. And an added benefit is that fewer accidents mean lower truck insurance premiums!

How to Save on Trucking Insurance

To learn more ways to save on truck insurance, give contact American Insuring Group online or call us at (800) 947-1270 or (610) 775-3848.

Our independent agents will save you money by comparing lots of competing trucking insurance carriers. Our independence gives us the freedom to shop. We shop, you save!  Call or click today.

More people are getting into the food truck business than ever before. Food trucks offer a more affordable and flexible option for first-time entrepreneurs. Plus, many restaurateurs are adding food trucks to increase brand awareness and to cash in on the current growth of the food truck industry.

Food Truck Business Quadrupled in 5 Years

Food Trucks are the fastest growing channel in today’s foodservice industry. The projected food truck revenue in 2017 is expected to be $2.7 billion – compared to $650 million just five years ago - according to Foodtruckoperator.com.

Food Truck Business Risks

Like any business, food trucks face potential risks. Here are 3 main risks to consider:

1. Vehicle Risk – Food trucks are exposed to many of the same physical risks a restaurant faces such as fire, flood, and general wear and tear with the addition of automobile accidents.
   
   
2. Operator Risk – The people operating the vehicle are subject to many of the same risks a restaurant faces such as falls, cuts, and burns.
   
   
3. Liability Risks – Customers can suffer an injury such as slips or falls along with food-related illnesses. Plus, food trucks have the added liability that sometimes occurs with automobile accidents.

How to Protect Your Food Truck Business

It is your responsibility to protect your business, employees, and customers by managing these risks. There are steps you can take to prevent some them such as thoroughly screening anyone who will be driving your vehicle, following food safety guidelines, and being aware of any possible hazards both in and around your truck. Unfortunately, there will always be certain risks you don’t anticipate or can’t control. One lawsuit or one accident that you aren’t prepared for can mean the end of your business and all the hard work and financial resources you’ve put into it.

Gain Additional Protection with Food Truck Insurance

That’s where food truck insurance - which addresses risks related to most businesses and risks unique to food trucks – can help. Also, most landlords, event organizers, and venue owners will require you to have certain types of insurance. For example, most will require at least $1 million in general liability insurance. They don’t want to be held responsible for damage to your vehicle or injury to your customers. 

7 types of insurance you may want to consider for your food truck business:

1. General liability helps cover legal expenses, fines, and penalties if someone sues you.
   
   
2. Workers compensation (WC) insurance is required by many states. Within Pennsylvania, WC is mandatory for all employers with one or more employees (with a few exceptions). But with a food truck, you may find yourself traveling to other states. The National Federation of Independent Business offers a state-by-state comparison of workers’ compensation requirements.
   
   
3. Property damage insurance protects your property from damage caused by collision, theft, fire, vandalism, and other damage while your vehicle is parked. Property is divided into two separate categories: your food truck with any attached equipment and the contents of your vehicle.
   
   
4. Auto liability insurance covers you for injury or property damage to others if there is an accident while you are driving the vehicle.
   
   
5. Food spoilage coverage protects you from the costs associated with the loss of food and beverages due to spoilage. Food can quickly spoil with a prolonged power outage or an equipment breakdown, and you certainly don’t want to serve your customers spoiled food.
   
   
6. Food contamination coverage may help recover certain expenses if the health board shuts down your food truck after a food-borne illness outbreak. Contamination can be caused by mishandled or improperly stored food, employees may unknowingly transmit a virus or bacteria to the food, or the food may even be contaminated when you receive it.
   
   
7. Umbrella insurance, which goes above and beyond your general liability and auto liability limits, may be required for large contracts.

 

Getting the Right Insurance for Your Food Truck Business

It may sound complicated and perhaps a bit overwhelming, but the independent agents at American Insuring Group can walk you through your options and help you determine the best food truck insurance for your operation. Contact us online or give us a call at (800) 947-1270 or (610) 775-3848.

We'll compare competing insurance providers to determine those that offer the best protection at the best price to meet your needs. Contact us today to get protected and to start saving on food truck insurance!

You invested a lot of money to start your own for-hire trucking business. Now it’s beginning to pay off as your schedule fills and you are spending more time on the road.

Being busy is what you hoped for, but it’s vital that you remember that you are now responsible for the business end of this venture, and protecting it has to be your top priority.

Motor carrier insurance is a type of truck insurance designed specifically for your kind of operation, and choosing the right insurance coverage will protect your investment and your business.

Here are some tips for getting the maximum coverage for your stuation:

For motor carriers who use for-hire independent truckers

If you are permanently leased to a motor carrier, there’s a good chance they will provide Primary Liability insurance coverage for you. The terms will be contained in your lease agreement, and, if the carrier provides the insurance, it will cover injuries and damage to other people and property if you are at fault during an accident.

If your carrier covers the primary liability, you will still need to purchase other for-hire trucking insurance. These are important:

Non-trucking liability: If you are not hauling cargo—you’re getting your truck washed or taking it for repairs—this coverage provides you with limited liability insurance protection.

Physical damage coverage: This insurance covers your truck and trailer against collision, fire, theft, hail, windstorm, earthquake, flood, or vandalism. The lien holder of your vehicle will require this coverage.

Motor truck cargo insurance: If you are responsible for lost freight or damaged goods, you are protected with this policy. The premium will vary depending on the load you’re hauling.

If you work on your own authority:

If you work independently—officially called operating under your own authority—you’ll need to purchase your mandatory primary liability insurance coverage which, as noted earlier, pays for damages you cause to other people and their property.

Other essential coverages:

Physical damage: This insurance pays for repairs to your truck if it's damaged in an accident, whether it's caused by a collision with another vehicle or a falling tree branch.

Motor truck cargo insurance: Pays for damages to the load that you’re hauling in the case of fire, theft, or an accident.

Uninsured motorist coverage: Pays for injuries and damages to you, your passengers, and your vehicle, which was caused by drivers who either don't have insurance or don't have enough insurance to cover your injuries and damages.

Medical payments insurance: Mandatory in some states and unavailable in others, this coverage would pay medical bills for you and any passengers in your truck in case they are hurt in an accident or auto-related injury.

Trailer interchange insurance: If a load needs to be transferred to a different trucker, the motor carrier that has possession of the trailer is responsible for any damage to it, whether or not the trailer is attached to the tractor. Trailer interchange insurance covers physical damage caused to a non-owned trailer under a trucker’s care.

 

Get Help - Get the Right Trucking Insurance

Signing on with a reputable motor carrier can mitigate some of those insurance expenses, but whether you drive under permanent lease or your own authority, you will need to sit down with an expert on for-hire trucking insurance to help you get the best coverage at a competitive price.

We can help, so contact the experts at American Insuring Group online or call us at (800) 947-1270 or (610) 775-3848.