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As more and more risk managers require Cargo Insurance, it’s essential to understand how it fits in with your Trucking Insurance Coverage. When the cargo you are transporting is lost or damaged, liability for that loss can fall on the transportation company, the shipper, the recipient, or the driver. And while you may do everything within your power to ensure the safe delivery of your cargo, things – beyond your control – can happen. 

Cargo Insurance helps cover the freight or commodity that you are hauling if it is lost or damaged. However, not all Cargo Insurance policies are the same; therefore, you must understand the policy you’re purchasing so you have the protection you need without paying more than you need to. 

Here are five questions every driver should ask about Cargo Insurance: 

Do I qualify for Motor Cargo Insurance?

Cargo Insurance is available to for-hire truck drivers. Typically, it is available for the following truck body types:

• Tractor
• Most trailers
• Dump Trucks
• Box Trucks
• Cargo Vans
• Flatbeds
• Car Haulers
• Cement mixers 

Typically, Cargo Insurance is not available for the following:

• Garbage Trucks
• Ice Cream Trucks
• Limousines
• Hearses
• Buses
• Passenger Vans 

What cargo is covered and not covered?

Most types of cargo are covered under Cargo Insurance; however, there are also many exclusions, which is why it’s important to work with a trusted insurance agent. 

Typical exclusions include the following:

• Live animals
• Art, Jewelry, Money, Paper
• Tobacco and Alcohol
• Pharmaceuticals
• Contraband
• Explosive materials
• Shipping containers
• Storage longer than 72 hours
• Cargo in the custody of another carrier
• Cargo owned by the insured
• Cargo not included in the Bill of Lading

Some Cargo Insurance policies also include debris removal. If your cargo is accidentally dumped on the road, this coverage helps pay for the expense of removing it or the extraction of pollutants caused by the debris. You can also purchase coverage to pay for costs related to preventing additional damage to the spilled cargo. 

What incidents are covered and not covered?

Most Cargo Insurance policies cover collision, theft, natural disasters, acts of war, customs rejection, and fire, but again, you must confirm that what you are hauling is covered by the insurance you’re purchasing. 

Refrigerated truck drivers may also want to consider purchasing reefer mechanical breakdown coverage, which helps cover refrigerated cargo that is spoiled due to a mechanical breakdown or an accident. But read the fine print as there may be cargo excluded from that policy, such as seafood, tobacco products, or pharmaceuticals. 

What are the limits and the deductible?

Your Motor Truck Cargo Insurance will also come with a limit, which is the maximum amount the insurance company will cover if your cargo is lost or damaged. If you are carrying high-end cargo – such as electronics – you’ll need to ensure that you have a higher limit. On the other hand, if the value of your cargo is low, you may be able to lower your costs by reducing your limit. 

Increasing the deductible is a common way to lower just about any insurance premium, and Cargo Insurance is no exception. The deductible is the amount that the policyholder will have to pay before the insurance company kicks in if a claim is made. The higher the deductible, the lower your premiums. However, you need to make sure that you have some way to cover that deductible if you need to make a claim. 

How can I save on Cargo Insurance?

The best way to save on Cargo Insurance is to work with independent agents that specialize in trucking insurance. American Insuring Group has specialized in Truck Insurance for many years. Our agents know what questions to ask to ensure that you have the right coverage for your needs, and as independent agents, they check with several carriers to ensure you pay the lowest price for that coverage. 

Give us a call at (800) 947-1270 or (610) 775-3848 or connect with us online for a free estimate.

Cargo Theft is a $15 to $35 billion industry that can drive up Truck Insurance premiums and deductibles. According to the National Insurance Crime Bureau (NICB), there were 8,676 cargo vehicle thefts reported in the U.S. in 2017, translating to about 24 thefts every day. 

And it appears the COVID-19 pandemic is only making the problem worse. Freight Waves reported a 26.92% year-over-year increase in reported cargo thefts in September 2020 and a 91.43% year-over-year increase in April 2020.

If you want to minimize the cost of lost loads, the effort of recovery, and increased insurance costs, you need to take steps to ensure the safety of the cargo you’re shipping. Here are some tips: 

Know What is In Demand

Drivers need to know if they’re transporting in-demand commodities so that they can take additional precautions. Thieves will steal what they can resell, and they can be very focused. 

Typical targets include food and beverages (which can be quickly consumed and leave no trace), consumer electronics, and drugs. After severe storms, there is an increase in building supplies being stolen. It’s no surprise that during the pandemic in the third quarter of 2020, there was a significant increase in the theft of commodities such as cleaning supplies and PPE. 

Freight Waves also reports an increase in pilferage theft – stealing small portions of a load. Trailer break-ins and pilferages accounted for 22% of all reported robberies in the third quarter of 2020. 

If a driver knows they are carrying high-value or in-demand products, they need to be even more vigilant. 

Know the High-Risk Places and Times

Thieves tend to go where the pickings are good. According to Port Technology, Los Angeles (traffic of 9.46 million TEU in 2018) and Long Beach (8.09 million TEU) are the two busiest container ports in the U.S., so it’s no surprise that California tops the list of the biggest hot spots for cargo theft. Texas is at the center of cross-border freight, which accounts for its second place on the list. 

The NICB reported the ten states that are the biggest targets for cargo thefts are:

1. California (1,770)
2. Texas (1,255)
3. Florida (921)
4. Illinois (712)
5. New Jersey (468)
6. Georgia (438)
7. Alabama (214)
8. North Carolina (204)
9. Indiana (192)
10. Missouri (181) 

According to the NICB, most cargo thefts occur on weekdays, with Monday and Friday being the most significant days for these thefts. So, if a driver is driving through California on a Monday or Friday with an in-demand commodity, they should be on high alert. 

Hire and Train Wisely

Drivers are responsible for hundreds or thousands of dollars in commodities, so it’s crucial that you hire the most honest and dependable drivers (and warehouse employees). It starts with innovative recruiting. Attract the best drivers by showing that your company is a great company to work for and let them know what your company is all about with pictures and videos on your website and social media sites. Another way to attract the best drivers is to offer competitive wages. 

It’s also crucial that you screen potential hires (and warehouse workers or anyone with access to shipping information) with thorough background checks following your industry’s screening laws. Background checks could potentially include criminal records, drug and alcohol testing, driving records, and license checks. 

You should also establish best practices and provide security training, including hijack awareness and prevention, so drivers know how to protect themselves, along with your truck and your cargo. 

How to Save on Truck Insurance Costs

Another key to managing risk is Trucking Insurance. American Insuring Group offers all of your Truck Insurance needs – from Cargo Insurance to Transit Coverage and more. Give one of our independent agents a call at (800) 947-1270 or (610) 775-3848 or connect with us online for a free quote. They’ll check with several insurance companies to ensure you pay the lowest price possible for your insurance needs.

As you know, good drivers aren’t easy to come by, so keeping them as safe as possible on the road should be a top priority. Keeping your drivers safe has the added benefit of lowering Truck Insurance costs and other costs associated with accidents. 

According to CNBC, people who drive for a living – driver/sales workers and truck drivers – are in the sixth most dangerous job in the U.S., with 96 fatal injuries and 78,520 non-fatal injuries in 2018. If you can lower the number of your drivers involved in accidents, you can reduce employee turnover, increase employee morale, and decrease costs, such as insurance premiums, claim payouts, lost workdays, etc. 

Here are three tips to help keep your drivers safe, lower the number of accidents, and improve your company’s bottom line. 

Encourage Defensive Driving

Dictionary.com defines defensive driving as “the practice of using driving strategies that minimize risk and help avoid accidents, as by predicting hazards on the road.” Some of those strategies include the following:

• Looking Ahead – It takes longer for a truck carrying a heavy load to stop than it does a car, so truck drivers need to look ahead to see and anticipate potential hazards, such as stopped traffic. 
• Keeping Eyes Moving – Drivers who are on the road a long time often become complacent to their surroundings. Truck drivers should always be scanning their environment – looking at what is ahead and around them and using side and rearview mirrors to see what is behind them.
• Maintaining a Buffer Zone – It’s impossible to predict what other drivers will do, and trucks have very limited maneuverability, so truck drivers should always establish and maintain a buffer zone around their vehicle. According to the Federal Motor Carrier Safety Administration, “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.”
• Having an Escape Route – Maintaining a buffer zone should minimize the need to swerve; however, sometimes stopping in time just isn’t possible. Drivers should always consider escape routes available to them if they need them.
• Keeping Cool – Driving can be stressful, and there are plenty of inconsiderate drivers on the road. Becoming angry or aggressive while driving doesn’t help. Aggressive driving can include passing where prohibited, following improperly, erratic lane changing, etc. Between 2003 and 2007, aggressive driving played a role in 56 percent of fatal crashes. Truck drivers need to keep their cool at all times and slow down to allow aggressive drivers to get well ahead of them. 

Properly Maintain Vehicles

A poorly maintained tractor-trailer is not only a danger to your drivers; it’s a danger to everyone around the vehicle – other drivers, pedestrians, bikers, etc. A blown tire or a faulty brake can be deadly. Plus, a well-maintained vehicle will last longer. 

Therefore, it is in your best interest to maintain your fleet with a regular maintenance schedule. That schedule should include a plan to prevent brake wear and failure, testing to avoid engine problems, frequent oil changes, replacing parts subject to wear and tear, inflating tires to the right levels (which will also help you save on fuel bills), and more. Here are 14 maintenance tips for trucks. 

Another component of vehicle maintenance is the pre-and post-trip inspections. Federal law requires drivers to submit a Daily Vehicle Inspection Report (DVIR) for each power unit they operate. These inspections include checking the brakes, turn signals, lights, fuel system, and much more. 

Pre- and post-trip inspections help save time, money, and lives. A pre-trip inspection helps ensure drivers are operating a safe vehicle before they hit the road, and post-trip inspections allow time to fix issues before they need to go back on the road.  

Consider the Use of Technology

Consider using technology to help keep your drivers and your fleet safe. Do your research to determine what will work best for your drivers and your fleet. Some technology to consider:

• Electronic Stability Control (ESC) – According to the NHTSA, ESCs are designed to “reduce untripped rollovers and mitigate severe understeer or oversteer conditions that lead to loss of control by using automatic computer-controlled braking and reducing engine torque output.” The NHTSA states, “We believe that ESC systems could prevent 40 to 56 percent of untripped rollover crashes and 14 percent of loss-of-control crashes. By requiring that ESC systems be installed on truck tractors and large buses, this proposal would prevent 1,807 to 2,329 crashes, 649 to 858 injuries, and 49 to 60 fatalities at less than $3 million per equivalent life saved while generating positive net benefits.”
• Eyelid Monitoring – This type of system uses a cabin-mounted camera to monitor drivers’ eyelids and alert the driver if their eyelids droop.
• Automatic Brakes – This type of system uses radars to apply automatic brakes if an imminent crash is detected.
• Continuous Remote Data Feed – Computers can warn drivers if disturbing driving habits, such as swerving, are detected. Safety managers can also use videos.

Doing what you can to keep your drivers safe just makes good business sense. 

Ready to Save on Truck Insurance?

Another thing that makes good business sense is having the right insurance coverage at the lowest price. Because American Insuring Group specializes in Truck Insurance, we can help you determine the right insurance coverage for your business, whether you're in Philadelphia, Pittsburgh, Allentown, or elsewhere in PA and the tri-state area. Because we’re independent agents, we research multiple carriers to ensure that you pay the lowest premium for that great coverage.

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

If you want to lower workers’ compensation insurance costs in your trucking company, the solution is simple! Provide safety training to lower the number of injuries, cultivate happier and more productive employees, and lower your WC costs. 

When it comes to safety training for truck drivers, it’s natural to think about steps to avoid traffic accidents. After all, the CDC (Centers for Disease Control and Prevention) reports that crashes are the leading cause of on-the-job deaths for truck drivers in the US. 

But truck drivers also incur injuries getting in and out of their trucks or handling cargo, and these injuries can affect your workers’ comp costs. The good news is that many common workplace injuries in the trucking industry are preventable with the right safety training. 

Here are four areas that should be included in any safety training in the trucking industry if you want to lower your workers’ comp costs: 

Slips, Trips, and Falls

According to the National Safety Council (NSC), 23,490 transportation and warehousing employees were injured in falls, and 46 died in 2016. The NSC also found that the fall doesn’t have to be from a high level to cause severe and sometimes fatal injuries.

Here are fall safety tips:

• Ensure proper training on the use of all equipment
• Never push or carry a load that will block your vision
• Clean up spills immediately
• Keep areas where employees will be walking free of clutter
• Make sure all mats, rugs, and carpets lie flat
• Wear slip resistant shoes
• Check all equipment for damage before using 

Three-Point Contact

According to the Infrastructure Health and Safety Association, more than one-quarter of all injuries to equipment operators and truck drivers occur while getting into or out of equipment and trucks. One way to avoid these injuries is to employ the three-point contact rule. 

That means maintaining three points of contact with the truck – two hands and one foot or two feet and one hand - whenever climbing in or out of your vehicle. 

Lifting

Lifting is such an every-day activity that it’s easy to forget how quickly an injury can occur when improperly lifting cargo, but those injuries can significantly affect your workers’ compensation costs. According to the Occupational Safety and Health Administration (OSHA), lifting heavy objects is one of the leading causes of workplace injuries. Shoulder and back injuries accounted for 36 percent of injuries that resulted in missed work days, and the most significant factors in these injuries were overexertion and cumulative trauma. 

Training your employees on how to lift heavy items correctly can avoid back sprains, wrist and elbow injuries, muscle pulls, spinal injuries, and more. 

OSHA reports that five factors generally contribute to lifting injuries – the weight of the object being lifted, awkward postures, frequent or long-duration lifting, inadequate handholds, and environmental factors. 

Here are some tips from OSHA that address these common factors.

• Use equipment such as forklifts and duct lifts to lift heavy items
• Use your legs when lifting objects from a low location
• Avoid twisting
• Break down loads into smaller units
• Rotate tasks, so workers aren’t doing the same activity too long
• Work in teams
• Take regular breaks
• Move materials with inadequate (or no) handholds into containers with good handholds
• Adjust work schedule to limit exposure to extreme heat or cold temperatures 

Falling Cargo

Loads can shift while in transit, making the simple task of opening a trailer door a potential risk. Improperly secured loads can cause serious injuries and increase your WC costs. 

Here are a few tips to avoid injuries caused by falling cargo:

• Make sure the load is firmly immobilized or secured on your truck
• Open one trailer door at a time and stand behind the door as you open it
• Do not attempt to catch falling cargo 

Training in these four areas and creating a culture where safety is a priority and a work environment where workers feel comfortable reporting injuries will help reduce injuries and lower your workers’ comp insurance costs. 

Save on Workers’ Compensation and Truck Insurance!

To learn additional ways to save on workers compensation and other truck insurance costs, give one of the experienced agents at American Insuring Group a call at (800) 947-1270 or (610) 775-3848 or connect with us online. As independent agents, we're free to compare the cost of insurance among lots of companies to ensure you get the best price on all your commercial insurance needs! 

Truck drivers face many things they can’t control as they drive from point A to point B delivering their cargo – inclement weather, traffic, road construction, distracted drivers, and the list goes on.

It’s good to know that there is one thing that truck drivers do have some control over, and that is their trucking insurance costs!

Small businesses and owner-operators offering trucking services invest in commercial truck insurance to protect their investment from all those things they can’t control. There are many different types of commercial truck insurance such as trailer interchange insurance, cargo insurance, and more.

The First Step

There are several factors that go into determining your insurance premiums. Each insurance company weighs each of those factors differently. Your first step to controlling your commercial truck insurance premiums is to work with a good insurance agent who specializes in truck insurance, knows what questions to ask, understands your risks, and can compare costs among competing insurance companies in order to keep your costs low.

Here are 5 Factors that Affect the Cost of Your Commercial Truck Insurance, and Ways to Lower Your Premiums:

1- Previous Claims History

If you or your company have a history of high claims rates, there’s a good chance that you’ll make multiple claims in the future. Insurance companies offer lower premiums to companies that have fewer claims.

SOLUTION:
Lower the number of accidents and claims by creating a culture of safety with ongoing safety training and safety programs for your drivers.

2 - Driving Records

Insurance companies will look at the claim history and driving records of all your drivers. If they see drivers with multiple violations or accidents, you will pay higher insurance premiums.

SOLUTION:
Do thorough background checks on anyone you’re considering hiring and provide ongoing safety training for your drivers.

3 – Policy Structure

Chances are you’re going to need more than one policy to protect all of your investments. Purchasing insurance policies from different insurance companies may appear to save you money, but often bundling multiple policies with one company ends up saving you money.

SOLUTION:
Find an independent agency like American Insuring Group who can compare costs with several companies and analyze the results side-by-side to determine the best solution for your needs.

4 - Vehicles

A truck with a higher price tag will also be more expensive to insure. Larger and heavier vehicles may not be as easy to navigate as smaller vehicles, and in an accident are likely to cause more damage, which will also increase your premium payments.

SOLUTION:
Purchase the right vehicle for the job. Don’t buy a larger or more expensive vehicle than what you need.

5 - Driving Locations

Where you drive can affect the probability of having an accident. You’re less likely to have an accident driving along a stretch of country road with little or no traffic than driving a big city street during rush hour. Also, the further you travel, the higher the chance of an accident. The higher risk of an accident, the higher the insurance premiums.

Request an Annual Truck Insurance Review

Keep in mind that there is nothing more constant in life than change, and that applies in the trucking business as well – new drivers, new vehicles, changing claims rates, etc., so it’s vital to schedule an annual review with your insurance agent if you want to ensure that you have the best coverage at the best price.

Ready to Save on Truck Insurance? Call the Experts at American Insuring Group!

American Insuring Group specializes in trucking insurance, and we’re independent agents, so we’ll make sure that your commercial vehicle has the best insurance protection at the lowest price (unlike many of our competitors, we’re not locked into one solution).

So, give us a call at (800) 947-1270 or (610) 775-3848 or contact us online. Start saving today!

Your truck is your livelihood and the best way to protect it is with the proper truck insurance. By "proper" we mean insurance that covers your specific needs and doesn’t leave any gaps – all at the best price.

The best way to do that is to work with an independent insurance agent – like those at American Insuring Group – who specialize in truck insurance and have the freedom to compare coverage and pricing from several different insurance carriers and then present you with options and recommendations.

Knowing the right questions to ask your agent is important because it will help reveal the depth of their knowledge so you can decide if they are right for you.

Here are seven questions to ask your insurance agent to make sure that you get the right coverage at the right price:

How long have you been selling truck insurance?

The risks, costs, and required coverages involved with an 18-wheeler are significantly different than those of a regular car. Having an agent knowledgeable in truck insurance can help ensure that your investment is adequately protected.

How much coverage is right for me?

A minimum of $1,000,000 liability insurance coverage is mandatory for most commercial trucks, but it’s important to remember that trucks can cause a lot more damage than a car. Ask your agent to take you through what-if scenarios and different limit options available to you. Also, ask about the benefits and costs of an umbrella policy, which can protect you in the event of a catastrophic loss.

Do you offer broad form cargo coverage?

Depending on what you are hauling, the standard $100,000 of cargo coverage may leave gaps in your coverage, so your agent should understand the types of cargo you haul and the risks associated with that cargo. Ask your agent if they offer broad form coverage, which protects you against specific risks not covered by basic cargo insurance.

What is my deductible and do you offer a combined deductible?

Increasing your deductibles should lower the cost of your premiums, but it’s essential that you ensure that you have enough available cash to pay that higher deductible if you need to pay it.

You may have coverage on multiple items such as your tractor, your cargo, and another damaged vehicle (the one you hit), but each of them may come with a separate deductible. With a combined deductible – which doesn’t usually cost much more – you only pay one deductible for all lines of coverage or all vehicles in one claim.

What affects the cost of my premiums?

The most common things that affect your premium costs are age, driving record, years of experience, what you’re hauling, the age of your equipment, area of operation, criminal record, and credit score. If you know what factors are affecting your premium, you may be able to take steps to fix that factor before your next renewal or go with a carrier that doesn’t put as much emphasis on a particular risk.

How quickly can you react to my needs?

Ask them how quickly they can get you your certificate of insurance and how quickly they can change your policy. If you haul different cargo from day to day, you need an agent who can quickly update your policy for you. Ask your agent, “How easy is it to reach you, and if you’re out of the office is there someone else who can help me?”

Most (but not all) insurance companies now have 24-hour claims services. Don’t assume anything; ask your agent if it’s available to you. 

What discounts are available?

Some discounts are required by law such as for airbags or anti-lock brakes, but there are often other discounts that may not be required or as standard but may apply to you. Potential discounts can include paying in full, packaging, prior insurance savings, and more.

 

Ask the Truck Insurance Pros at American Insuring Group!

A good truck insurance agent can not only protect your investment but also be a great asset to your business.

When you’re ready to purchase your next policy, give the experienced independent agents at American Insuring Group a call at (800) 947-1270 or (610) 775-3848 or contact us online.

We’ll be happy to answer these and all of your questions to help you get the right insurance at the best price!

As a commercial vehicle driver, you probably travel on unfamiliar roads quite often, and when you’re unfamiliar with the roads, you’re more likely to get lost – an unclear turn, an unexpected accident, bad visibility.

When you get lost, it’s easy to get frustrated and impatient and make bad choices that can lead to accidents – especially when you’re on a tight schedule.

When you’re traveling on a familiar road, you know where that sharp turn is, where traffic tends to back up, and where that unexpected stop sign is located. When you’re on unfamiliar roads, you don’t have those advantages, which makes safe driving practices even more vital 

In fact, the Large Truck Crash Causation Study found that nearly one-quarter of large-truck crashes occurred when CMV drivers were unfamiliar with the roadway.

More accidents mean more injuries, which translates to higher truck insurance costs. 

Here are 3 tips to help you navigate unfamiliar roads more safely:

1 - Plan Your Route Ahead of Time

Before you get behind the wheel, take a look at a map or your GPS and have your route planned. If you’re driving along and realize you got off track, pull off somewhere safe where you can refer to your map or guidance system to regain your bearings.

It may be tempting to adjust electronic devices while you’re driving. Don’t do it! Taking your eyes off the road for even a few seconds can result in an accident, and when you’re driving a 50,000-pound truck, the chances of that accident being severe enough to cause an injury are high.

If you’re transporting hazardous materials, you should also be aware of any route restrictions or designated routes required by state and local townships.

2 - Don’t Make Knee-Jerk Decisions

You’re in the passing lane of the interstate when you notice that you’re about to pass the exit you’re supposed to take. When you realize your mistake, you may be tempted to try to turn onto that exit quickly. Don’t do it! It isn’t worth the chance of causing injury to yourself or another driver. 

According to the U.S. Department of Transportation Federal Motor Carrier Safety Administration NAFTA Safety Stats, almost 50,000 moving violations from 2004 to 2007 were classified as improper turns or improper lane changes.

If you miss a turn, get off at the next exit or go around the block instead of making a knee-jerk decision.  

3 - Communicate With Other Drivers

Let other drivers know in advance what you intend to do – even if that’s just changing lanes – by using your turn signal. A recent study reported that there are approximately 630,000 lane-change crashes annually (involving both large trucks and passenger vehicles).

Here are other ways you can try to communicate with drivers around you:

• Use your 4-way flashers if you have to pull off to the side of the road or when traffic is unexpectedly stopped in front of you.
  
  
• Toot your horn to sound an alarm and warn another driver of your presence. Please, note that we say “tooting” and not “laying on” your horn. The misuse of a horn has been known to cause road rage, but it is one of the few ways that a driver can get the attention of another driver to prevent an accident.
  
  
• Turn on your headlights. It can make your vehicle more visible especially at night or in bad weather. In fact, some trucks are programmed to have the low beam headlights on whenever the engine is running, and some states require the use of headlights when the windshield wipers are on. So make sure your headlights, turn signals, and brake lights are clean and use your headlights when appropriate.

When you’re driving on unfamiliar roads, it’s even more crucial that you exercise safe driving habits to keep yourself and those around you safe. Lower trucking insurance premiums that go with fewer accidents and claims is just icing on the cake.

Want to Save on Truck Insurance?

American Insuring Group can help you save even more on your trucking insurance. As independent agents, we’re free to shop the market for you among competing insurance carriers. So give us a call at (800) 947-1270 or (610) 775-3848 or connect with us online to start saving!

As a business owner, you wear many hats, but let’s face it, you can’t be an expert on every subject. Knowing the right questions to ask someone who is an expert is often key to running a successful business. How to find the best trucker’s liability insurance for your business is a good example.

The first step is finding an experienced and reputable insurance agent that specializes in truck insurance - like the independent agents at American Insuring Group. We’ll find you the right coverage at the best price, and we’re always happy to answer any of your questions.

 

Here are 5 questions to ask your insurance agent about Commercial Truck Insurance:

1 - What is covered - and perhaps even more important – what is NOT covered?

To understand the answer to that question you first need to understand the four basic types of liability insurance available to you:

Primary Auto Liability Insurance is the very minimum insurance you should have on your truck and is required in every state. It covers any damage or injuries to other motorists that result in an accident that is considered your fault. It’s important to make sure that you meet limit requirements on this type of insurance, and it’s often prudent to go beyond the bare minimum.

General Liability Insurance covers your truck when it is not on the road such as when you’re parked on a parking lot, stopping at a restaurant, or loading your vehicle.

Non-owned Trailer Liability & Trailer Interchange covers physical damage to a trailer that you are hauling but do not own while it’s in your possession. This type of insurance is usually not included in your primary or general liability insurance.

Motor Truck Cargo Liability Insurance covers damage to the freight or commodity that you are hauling in the event of things such as fires or accidents.

Because each policy is a little different, it’s important to ask your insurance agent lots of questions about which types of liability insurance you need to protect your assets and then go through what-if scenarios with them.

2 - If I’m in an accident, how do I submit an insurance claim?

You should submit a claim as soon as possible because the faster you file the claim, the faster it can be settled. You can contact the insurance company’s claims department directly or contact your agent to guide you through the process.

3 - If I’m in an accident, how much will my truck insurance policy pay?

This is vital information to know if you want to ensure that you’re adequately covered. You may decide to take a higher deductible to lower your premiums, but you need to understand that this will also reduce the amount you’re paid in the event of an accident. You have to then ask yourself, “Do I have enough cash on hand to cover that deductible?”

4 - Do I have to pay my entire insurance premium at one time?

Most insurance companies offer several options for payment such as making monthly installments rather than paying it all in one lump sum. However, you will save money by paying in full up front. 

5 - How can I save on premiums?

We already mentioned that you could increase your deductible to lower your trucking insurance premiums, but one of the best ways to reduce your insurance costs is to decrease the number of claims you make by carefully vetting and training your drivers. Driving records and credit scores can affect how much you pay for insurance, and well-trained drivers can reduce the number of claims, which will also affect your premiums. 

 

Take the First Step to Save on Truck Insurance Today!

Another great way to save money on your insurance premiums is to work with an independent insurance agent like American Insuring Group. We will analyze pricing and coverage among many competing insurance carriers to deliver the right coverage at the best price for your particular needs.  

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

You can also learn more about  your Commercial Trucking Insurance options on our website.

One of the best ways to reduce truck insurance and other costs is to reduce injuries, and one of the best ways a trucking company can do that is to ensure that ALL drivers wear seatbelts when they are operating a vehicle. Plus, it’s the law, and failure to use a seat belt can result in fines.

Pretty simple, right?

Seat Belts Save Truckers!

According to the National Highway Traffic Safety Administration (NHTSA), seat belts saved over 12,000 lives in 2001. One recent study reported that 23 percent of combination truck, single-vehicle crashes involved the driver not wearing a safety belt. There is also data that suggests that not wearing a seat belt can be indicative of other risky driving behaviors.

The good news is that the majority of people in vehicles are wearing seatbelts.  According to the NHTSA, 90% of people riding in vehicles were wearing seat belts in 2016. The one in ten who aren’t buckling up leave themselves more vulnerable to injuries and death if they’re in an accident. Younger males and commercial truck drivers are among the most likely NOT to wear a seat belt.

According to the Federal Motor Carrier Safety Administration (FMCSA), 84% of medium and heavy-duty truck and bus drivers were wearing seat belts in 2013. The rate for passengers in these commercial vehicles was even lower – 73%.

5x as Likely to Die Without Seatbelts – Need a Better Reason?

Here’s what the Center for Health Systems Research and Analysis by the University of Wisconsin found during an analysis of 13,854 crash victims found:

• Persons not wearing seat belts were 5.4 times as likely to die as those wearing belts.
• Persons not wearing seat belts were 91% more likely to be hospitalized than those wearing belts.
• Persons not wearing seat belts were 14% more likely to have EMS transport

So, you can see how not wearing a seat belt can affect your trucking insurance costs and your company’s bottom line.

 

Here are 4 myths about wearing a seat belt to share with your drivers: 

 

#1 - I don’t Need to Wear a Seat Belt if Driving a Short Distance

An accident can happen anytime. If you have to make a sudden stop, or if you’re involved in an accident, your seat belt will keep you in your seat and help to prevent injury or death that can occur from being thrown from your seat into the steering wheel, dash, or windshield or even out of the car.

#2 - Passengers don’t Need to Wear a Seat Belt

According to a 2001 NHTSA report, 60% of all passengers killed in traffic accidents were not wearing a seat belt. 

#3 - I’m Safer Without a Seat Belt

Many people think that it’s better to be thrown clear of the vehicle in the event of a crash. Statistics show otherwise. A person is four times more likely to be fatally injured when thrown from a vehicle.

In 2016, more than 200 truck occupants and drivers died when they were ejected from their cabs during an accident. Wearing a seatbelt can keep you from being dragged along the ground, being crushed under a vehicle, and being thrown through a windshield.

#4 - If I’m a Good Driver, I Don’t Need to Wear a Seat Belt

You may be an excellent driver, but unfortunately, not all drivers on the road are. Plus, there are sometimes factors beyond your control – bad weather, mechanical failure, or a tire blowout – that can cause you to have an accident.

If you want to keep your employees safer and reduce your insurance costs, make it clear to your employees that wearing a seat belt is a requirement, not an option!

 

Here’s an Easy Way to Lower Your Truck Insurance Cost!

Another way to reduce the cost of commercial vehicle insurance, including both trucks and cars, is to work with one of the independent agents at American Insuring Group.

We specialize in truck insurance and will compare the costs and features of competing insurance company policies to make sure that you’re getting the best price on reliable coverage.

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

American Insuring Group has partnered with Progressive Commercial to offer our Progressive truck insurance customers your option of $500 or free use of an ELD device!

It’s an easy and smart way to satisfy the ELD mandate at no cost to you. As the #1 Commercial Truck insurer, Progressive recognizes the costs of the ELD mandate and they have developed the Smart Haul program to make it as easy as possible on Progressive customers.

 

2 Smart Ways to Save With Smart Haul

#1 - Get Free Use of an ELD

Progressive will provide you with free use of an ELD device and pay your monthly subscription, as long as you share your driving data with them. There are no additional costs, however, you will need to return the device if you wish to opt-out or cancel your coverage.

# 2 - The Compensation Program (Get $500)

You can purchase your own Rand McNally ELD 50 or DC 200. If you are a Progressive customer and agree to share your driving data with them, they’ll pay you $100 for plugging it in, then pay an additional $100 for each quarter that the device stays plugged in, up to $500. 

Don't Delay - This is a Limited Time Offer!

Both offers are available for a limited time only, so act quickly to take full advantage of the benefits! Contact us today to learn more!