Owner Operator Insurance

What Does the Denham Amendment Mean for Your Truckers?

When the House passed the Denham amendment in April 2018 as they reauthorized the FAA for five years, they emphasized the importance of federal regulations over the state when it comes to truckers. Many states, like California, either require or allow for paid breaks every four to five hours of drive time. These more frequent breaks were monitored by ELDs. The federal regulations that the […]

ELD vs. AOBRD: Does the New ELD Grandfathering Extension Apply to Your Trucks?

The 2018 buzzword is ELD for automated device compliance. But in 2014 it was AOBRD, or Automatic On Board Recording Device. That was the device type mandated under older FMCSA regulations, and it had far different capabilities and requirements than ELDs today or then. But why do AOBRDs still matter today? There is more ELD-related grandfathering. The December 17, 2017 deadline was a partial one, […]

Change Your Maintenance & Monitoring Policies for Safer Automation

The recent Tempe accident involving a self-driving car and a pedestrian was described by police as unavoidable, and that’s true in more ways than one. Not only did the specific circumstances of this incident make the collision hard to think around, a fatality caused by a self-driving car was always inevitable. While the accident is not going to dramatically slow the evolution or adoption of […]

Operation Safe Driver Week Is Just Around the Corner: July 15-21, 2018

Dangerous driving is the root cause for most of the dangers out on the roads. Even with poor visibility, aging infrastructure, and unclear GPS routes, the number one cause of vehicle crashes is driver behavior. According to the Federal Motor Carrier Safety Administration’s “Large Truck Crash Causation Study,” the FMCSA found that 88% of truck crashes and 93% of passenger car crashes are due to […]

South Carolina Owner Operator Insurance Provider Discusses Power Line Hazards

When considering professionals at risk of electrocution from power lines, electricians usually come to mind. Construction workers are also at risk because they often work on the rooftops and upper external walls of buildings at about the same height as connecting power lines. Although these two groups are most at risk, truck drivers aren’t entirely exempt from the possibility of accidental contact with live power […]

How a Larger Fleet Can Lower Your Per Unit Premiums

Trucking insurance is a hefty business expense, no matter what provider you have. But as you scale your business, you can lower that proportion through overarching policies of driver safety, regular maintenance, and tracking your route data. Keep your insurance low with generally good driving even after an accident. If you’re a single owner-operator, a couple of claims or traffic accidents can increase your riskiness […]

Leverage Your Fleet for Fleet Coverage Instead of Individual Premiums

If your goal is to own your own trucking business, there are three general categories your company might fall under: a single owner-operator, where you want independence and to manage your own routes but you want to stay on the road; a small fleet of two to five trucks so you can start to manage your own drivers and start work on scaling your business; […]

Four Motorist Hazards to Watch for This Winter

Motorists typically dread winter driving for good reason. The traction and visibility are poor during snow storms, and black ice can take you by complete surprise. For the commercial or owner operator truck driver, winter driving is even worse. Handling a semi-truck is far more difficult in winter conditions than the average car. On top of this, the actions of some motorists increase the hazards […]

Will You Have Enough Bobtail Insurance Coverage This Winter?

Winter is a tough time for the commercial or owner operator truck driver. Because semi-trucks were designed for hauling cargo, their handling, especially in the winter, isn’t very good as compared to a car. The only thing more difficult to drive in the winter than a tractor-trailer rig, is driving the tractor without a trailer, or bobtailing. The reason comes down to the fact that the […]

What to Keep in Mind as You’re Reviewing or Changing Your Semi Truck Insurance

The trucking business is constantly changing. The cargo and routes you transport one year might be completely different the next, and your semi truck insurance should change alongside your business. By reviewing your policy every year, or whenever you note a major shift in the size, sector, or common regions of your business, you can make sure you’re getting the coverage you need. Here’s a […]

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