Monthly Archives: April 2020

Truck Insurance

Roadside Assistance for Truckers

Commercial trucking companies can log tens of thousands of miles in a given month. Having the trucks operating at all times and avoiding breakdowns is key to a reliable and efficient business. A strong maintenance program contributes to this, but sometimes things happen on the road that are unavoidable. When a driver has to sit on the side of the road trying to figure out who to call for help, this can cost time and money. Also, paying the closest service company per occurrence can quickly add up. This is why obtaining a semi-truck roadside assistance plan can be a smart move for any operation, regardless of size.

Benefits of Coverage

According to Western Truck Insurance Services Inc, a dedicated roadside service plan can save you thousands in the long run. Representatives are available 24 hours a day, 7 days a week, and can put drivers in contact with a network of professionals who can quickly respond to almost any scenario. Below are just a few of the services covered:

  • Towing
  • Fuel and fluid delivery
  • Jump start assistance
  • Flat tire repair/replacement
  • Part delivery
  • Locksmith services
  • Discounted lodging

Unexpected events happen when driving a vehicle. Having a roadside assistance plan for your commercial trucking operation can have your drivers back on the road fast.


insurance policies

How to Know Your Business Has the Right Insurance Policies

Most businesses need a comprehensive business insurance plan to cover their exposures and risks. By completing a business insurance questionnaire, business owners can work with agents to find the right coverage options to cover their risks.

Specific Coverage

The experts at Moody Insurance Worldwide offers detailed questionnaires for specific businesses such as restoration and cleaning services. This makes sure that the policies offered are tailored to the risks a particular industry has rather than offering blanket policies. The detailed questions help the agent provide the right amount of coverage for your business.

Additional Riders

Another plus to completing an insurance questionnaire is ensuring you have any additional riders you may need. This is crucial in many industries where a general commercial liability plan doesn’t cover items such as pollution liability or excess coverage. Adding these riders when applicable means your business has the protection it needs.

Necessary Knowledge

The questionnaire allows the insurance agent to know exactly what your business does. In fact, this can help business owners and managers think more deeply about the products, services and liabilities they have. This information then provides a more detailed snapshot to aid the agent and owner about the necessity of certain policies over others.

A business insurance questionnaire can help agents put together a more comprehensive insurance package. Business owners can then have a better idea of why they may need certain policies. Knowledge can further help reduce the risks of running a business.


Employee Dishonesty

How Insurance Protects Businesses from Employee Crimes

When you hire new employees, you trust your research and intuition to help you make the best additions. However, some employees can betray that trust and harm your establishment. The inclusion of employee dishonesty insurance to your business provides several benefits that can assist you after a crime.

Wide Incident Coverage

This type of insurance covers a wide net of potential crimes and misdeeds done against your organization. Expect theft to be a covered risk, ranging from small office supplies to major equipment. Embezzlement and other forms of fraud are included. The insurance plan can also help if employees damage property or lie about completed work hours.

Plan Flexibility 

This policy is flexible enough to meet your business demands. You can choose to apply it to specific employees or the entire staff. There is also the option of purchasing it as a separate product or as part of a package. An agent will work with you to create the best plan.

Established Code of Conduct

As https://www.fgib.com/mentions, a solid plan helps establish an adaptable code of conduct. The severity of an employee’s actions varies depending on several factors, such as time. Insurance policy encourages you to review and update said code, which also changes the plan.

Employee crime and misbehavior are difficult to acknowledge, but it is important to protect your company. The benefits of an employee dishonesty plan help you deal with losses.


Marine Insurance

Professional Liability for Marine Surveyors

Liability insurance is a must-have in any industry, but for those companies that operate in sensitive or high-risk areas of industry, it’s even more essential than for most. It’s also important that your insurance reflects the exact niche and industry where you operate because the professional obligations and liabilities of companies providing legal or financial services are vastly different than those of companies in manufacturing or natural resource extraction. Marine surveyor insurance is no exception, in fact, when it comes to the importance of customized liability coverage, it might be better to think of it as the rule.

Learn More About Marine Surveyor Liability Coverage

Unsure if your coverage meets all your needs as a marine surveyor? Merrimac Marine Insurance provides a quick rundown of the essential components of coverage that marine businesses need to concern themselves with, and it’s worth a look if you’re trying to be sure you have all the right insurance for your business. It’s also worth considering whether a customized professional liability policy could fold in additional types of insurance and riders to cover risks unique to your business. After all, even if all marine surveyors have different needs from other marine businesses, that doesn’t mean they all have the same needs. Finding an insurer who commits to truly customizable coverage means getting exactly what your company needs at every stage of its development.