March 2, 2018

What is a CDL?

Navigating the many rules and regulations of the trucking industry can be tricky. Not only do motor trucking companies have strict rules and regulations to follow, but those wanting to work as operators (i.e. drivers) have requirements set specifically for them! The biggest requirement for potential truck drivers is the possession and maintenance of a commercial driver’s license, or CDL. A commercial driver’s license is a special license that must be obtained by an applicant in order to operate certain types of vehicles. The commercial driver’s license requirements can be broken down into three classes, according to the Federal Motor … Continue reading

January 12, 2018

Workers’ Compensation Claim Filing – Cost and the Importance of Timeliness

We all can agree that the circumstances surrounding the filing of a workers’ compensation or “work comp” claim can certainly be daunting and potentially costly. It’s easy to fall prey to the notion of “I’ll take care of this tomorrow” or “I probably don’t need to report this”. How much of a difference can early and proactive claims reporting really make? As it turns out, it could save your business thousands of dollars, or prevent the need to even provide a payout at all. From a cost standpoint, consider the unknowns surrounding the evolution of a workers’ compensation claim. Delayed … Continue reading

January 8, 2018

What does it mean to have a “Claims Made” Policy?

Insurance policies are primarily written on an occurrence basis or claims made basis. The most common of the two is occurrence simply because what you see (or pay for) is what you get – regardless of when a claim is filed the policy that was in force at the time of the claim would respond. An occurrence policy can be cancelled (no strings attached) and claims can continue to be filed if the claim occurred during the time the policy was in force. The more complex of the two is claims made. Unlike the occurrence policy where the policy that … Continue reading

December 11, 2017

Causes of Loss Forms

Prior to working in the insurance industry, I purchased insurance because I had to. I did not really understand the ins and outs of what I was purchasing or exactly what risks it would or would not protect me from. An insurance policy can be intimidating and sometimes confusing, but it is important to understand your coverage prior to a loss rather than after the damage is done to avoid unexpected gaps. There are three commercial property forms (basic, broad and special) that identify the causes of loss (or perils) for which coverage is provided. The basic and broad causes … Continue reading

November 29, 2017

Truck Operators Electronic Log Mandate

In December 2017, commercial truck operators will be required to use an Electronic Logging Device (ELD) to track hours of service (HOS) and records of duty status (RODS) if they are currently using paper logs or other logging software. Operators currently using an Automatic Onboard Recording Device (AOBRD) have until December 2019 to comply with the mandate. Most operators will need to comply, but there are a few exceptions to the rule: Operators of vehicles that were made before the year 2000. Drivers that currently operate under short haul exceptions and are not currently required to keep records of duty … Continue reading

November 3, 2017


As the insured, you have the option to insure your building(s) with a valuation method that best suits what you desire to receive in payment at the time of a loss. The chart below provides a brief summary of the two most common valuations and a claim scenario to help understand the differences. There are additional valuation methods that are less common. Please feel free to reach out to your insurance agent to review your current valuation or look at other possible options.

November 2, 2017

Employee Dishonesty – It can happen to anyone

You never want to think that you would have an employee that would steal, but unfortunately it does happen. However, there are some ways to reduce your risk: Do not give signature authority to just one person and require two signatures on checks. Separate check issuance and bank reconciling functions. If corporate credit cards are issued, require expense reports with original receipts to validate purchases. Require an original invoice to issue a check. Perform annual audits – both internal and external. Employee dishonesty coverage can also be purchased, either as an addition to your current insurance policy or on a … Continue reading

October 11, 2017

MCS90 Filing

One of the many facts of driving on the highway is you will most likely share the road with a semi-truck at some time in your travels. Trucking is an integral part of our country’s economy, transporting over 14,457 million tons of cargo in 2013 according to! In order to operate as a trucking company, there are many requirements you must be in compliance with. One particular filing that is often confusing and misunderstood is the MCS-90 form. The MCS-90 form, according to, is an automobile endorsement that is added to an existing automobile policy which guarantees that … Continue reading

September 29, 2017

Lending a Helping Hand: Workers’ Compensation & Out of State Coverage

When disaster strikes, it’s common to see people come together to help out their fellow neighbor, community, state or even country.  The recent weather events, specifically in Texas & Florida, have proven yet again the spirit of human kind is not lost.  There will be many people traveling across the country to lend a helping hand in the recovery efforts with most of them being contractors.  It’s important to keep in mind before you head south to review your Workers’ Compensation policy and give your agent a call to be sure you avoid any gap in coverage as each insurance … Continue reading

September 20, 2017

Building a Return to Work Program Part II

Building a return to work program can take some time, but the benefits are well worth it. It will be a team effort coordinating employees, medical providers, supervisors, human resources, insurance claims adjusters, and anyone else you feel is important to the process. Here are some tips on how to get started. Establish a key person who will be responsible for managing the relationship with the people stated above. They will be the liaison for all work-related and non-work related injuries and illnesses. Develop a written return to work program and make sure it is a living breathing document that … Continue reading

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