Tag: coverage

Do You Have an Accident Prevention Plan?

Bob Holtzman

If you don’t have an Accident Prevention Plan, each day on the road is just an accident waiting to happen. This might sound extreme, but the truth is, trucking is an industry with a lot of safety risks and potential hazards; if you aren’t actively preventing accidents, the potential for injury, including serious injury and death, is exponentially increased. What can you do? Create a safety plan and use it. This can help you find and eliminate potential safety problems before an accident or injury occurs. If you don’t have a plan, you need one. Create one today.

Accident Prevention Plan- A Legal Obligation?

An accident prevention plan is a good idea for any trucking operation, no matter the size (owner operator, small fleet, large fleet, etc.), but for many companies, it is actually a legal obligation. A workplace injury and illness prevention program is encouraged/required by a majority of states and OSHA recommends that every workplace have one.

If you don’t have a safety plan, not only are you putting yourself (and your employees) at risk for an injury, you’re also exposing yourself to unnecessary liability should an injury occur.

Starting an Accident Prevention Plan- First Steps

Creating your first accident prevention plan can seem overwhelming; we’ve broken the process into a few easy first steps to get you started.

·         Look for Risks– Spend a few days looking for hazards and make a list. What safety risks are you or your employees likely to encounter? Getting your employees in on the brainstorming process can help you to identify more potential hazards. Past records of accidents, injuries, safety inspection violations, etc.  can be a valuable resource in pinpointing specific problems you’re facing.

·         Create Solutions to Risks– Once you have a list of risks, work on creating policies to eliminate or reduce these risks. How can you reduce the safety hazards you face?

·         Consider Training– A written policy is important, but so is training. If you notice safety violations or unsafe practices, consider some training. Knowing how to properly tarp, chain up, use PPE, etc. are essential skills every driver should possess.

·         Choose a Safety Supervisor– Who is in charge of safety? While safety should be something on everyone’s mind, it is a good idea to have someone actively in charge of company safety to ensure that it remains a priority. This person can also be a point of contact should illness, accidents, or injuries occur.

Resources to Get You Started

The following resources will be helpful tools as you create your accident prevention plan.

·         Guide to Developing Workplace Injury Program (California)- The State of California has created a comprehensive guide for developing a workplace injury program. While the information isn’t specific to the transportation industry (the guide was written for all employers), you’ll find it is easily adapted. This is a great resource no matter what state you live in.

·         Sample Plan (Texas)- What should your plan look like? You’ll want to adapt things to the way your  company does business, but this sample guide from the State of Texas can give you a good jumping off point.

·         OSHA Information for Transportation– The transportation industry has some unique hazards. This guide from OSHA will help you identify some of the risks, hazards, and training requirements you should address in your plan.

Do you have a safety plan? Create one today for a safer tomorrow.

 

What Insurance, Permits, Etc. Do I Need to Get Started?

Bob Holtzman

One of the biggest questions we encounter from new drivers is, “What do I need?” Interstate truckers need a variety of permits, registrations, insurance policies, etc. to ensure they are in compliance with various state and federal laws. We can help you with the specifics for your situation (just give us a call), but this will give you a good idea of where to start.

Permits, Authority, and More… What Do I Need?

The various regulatory permits and registrations needed can vary quite a bit depending on which states you’ll be running through, but there are a few basics you’ll most likely need. Let’s take a look:

·         DOT Number

·         FMCSA MC Authority

·         Truck Registration

o   IRP

o   Unified Carrier Registration or UCR

o   IFTA (International Fuel Tax Agreement)

·         Individual State Permits- Some states require additional permits and fees. Things like oversize and overweight permits only apply if your specific load requires it, but some fees apply to even standard sized loads. For example you may encounter Weight Distance Taxes, fuel taxes that are paid to the state directly (and not charged with fuel), property taxes, and other required permits and fees.

Insurance… How Much Coverage Is Enough?

Although you may need higher limits, depending on your circumstances, the following coverages are most common for trucking and transportation:

·         $1 Million Commercial Auto Liability

o   $1,000 Deductible  for Physical Damage Coverage

·         $100,000 Motor Truck Cargo

o   $1,000 Deductible Non-Owned Trailer Coverage

The best way to determine how much insurance you need specifically is to talk with one of our agents. We aren’t just here to sell a policy, but to educate, inform, and help you in your journey. We want you to have access to the highest quality insurance products at highly competitive rates. We can help you determine what coverage you need and which insurer can best provide it.

Getting started in the transportation industry can be confusing, but don’t let that stop you. We’re here  to help you figure out what you need so you can… Travel with Care.

Occupational Accident- Who Will Pay Your Medical Bills If You Get Hurt On The Road?

Bob Holtzman

When you get hurt at work, Worker’s Comp comes to the rescue covering medical bills, rehab expenses and more. This important insurance coverage is paid for by your employer. However, in an industry like trucking where many are self-employed owner operators or lease operators, a work injury can prove disastrous. Who pays for your medical bills if you don’t qualify for Worker’s Comp and are hurt at work? How can you protect yourself and your family?

Worker’s Comp- How Does It Work?

Worker’s Compensation is a special state regulated program designed to protect employees and employers alike. Employers purchase work comp insurance which is used to pay for lost wages, medical care, etc. should an employee get hurt on the job.  That insurance  protectsemployers from lawsuits and provides for the injured employee and their family.

While Worker’s Comp policies are often required for employers, they are rarely required for self-employed people or independent contractors. This means a great number of truckers are unprotected when it comes to workplace injuries. Those looking at policies for themselves are often unable to obtain coverage or may find the rates to be out of budget.

Transportation inherently carries a lot of risks. You can be injured while tying down a load, slip and fall on icy pavement or fall while climbing in to your truck’s cab. Injuries can happen at jobsites, pick-ups or drop-offs and anywhere in between. Being on the road puts you at an increased risk for vehicular accidents. Just like any job, working in transportation has its risks. If you are an owner operator or a motor carrier with lease operators, you may want to consider purchasing an insurance policy to protect yourself.

Occupational Accident Coverage

While owner operators and lease operators often are unable to obtain Worker’s Comp insurance, they do still have options. One popular and affordable choice is occupational accident coverage. These policies often provide similar protection to a Worker’s Comp policy, but are available to those working for themselves or that have independent contractors working for them.

Every policy is different, but many occupational accident policies cover things like:

·         Accidental Death or Dismemberment

·         Survivor’s Benefits

·         Medical Expense Benefits

·         Disability Benefits (Temporary or Continuous)

·         And More.

We can help you find a policy that works for your situation and budget. Let our knowledgeable staff help you better protect yourself and your family. When accident strikes, we want you to be able to pay your medical expenses, bills and recovery costs.

If you get hurt on the job, are you protected? Let us help you find the occupational accident policy you need.