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Non-Owned Auto

10 Most Common Auto Insurance Claims and How to Avoid Them

If you can avoid auto claims, it will save you big time on your insurance costs. The rate you pay is based, in part, on your past driving and claims history. While no one wants to have an accident, they do happen on occasion. That’s why we call them accidents, after all. Auto insurance is an important part of protecting yourself and your assets.

Even more, it can save you time and injury if you can keep your car and its occupants safe. Here are 10 of the most common auto insurance claims and tips on how you might avoid them.

Distracted Driving and Insurance Premium

Most drivers are aware of the dangers of driving while distracted. However, something that many drivers do not realize is that in addition to the legal ramifications, these distractions can affect the premiums you pay for your auto insurance. Most drivers are aware of the dangers of driving while distracted. However, something that many drivers do not realize is that in addition to… Read More »Distracted Driving and Insurance Premium

Catalytic Converter and Insurance

First of all, both your personal auto insurance and business auto insurance cover the damage to your autos with a theft of catalytic converter, as long as you have full coverage. You should open a claim an the payment will be processed with comprehensive part of your insurance policy.  You’ll likely need to pay your deductible. Thieves have targeted catalytic… Read More »Catalytic Converter and Insurance

Truck Brokers’ Contingent Liability

Designed to protect truck brokers in the event one of their contracted truckers has a coverage issue. Truck and freight brokerage operations need coverage for the exposures presented when their clients’ policies fail to respond. Our Truck Broker Contingent Liability product helps to service this segment of the industry. Coverages Contingent auto Contingent cargo E&O General liability Limits Truck Brokers… Read More »Truck Brokers’ Contingent Liability

Managing use of Non-Owned Personal Vehicles

Managing use of Non-Owned Personal VehiclesMany small businesses and other organizations furnish company owned vehicles for transportation needs including trucks, vans, buses and automobiles. However, it is not uncommon for staff and volunteers to drive their own personal vehicles for business-related transportation.

It is important to recognize that your business can be held liable for damages by allowing the use of non-owned personal vehicles for business purposes. In an effort to keep everyone safe, and to protect the organization from claims arising from the use of personal vehicles, the following safety precautions should be followed:

  • Restrict who is allowed to drive. Studies show that accident rates are higher for drivers under he age of 25 and over 70; therefore, drivers of personal vehicles should be between 25 and 70 years of age.
  • Require proof of automobile liability insurance. This should be obtained annually and kept on file. The following minimum auto liability limits should be required:
    • Bodily Injury Liability – $100,000 each person / $300,000 per occurrence and;
    • Property Damage Liability – $100,000 per occurrence.
  • Inform drivers that their personal automobile insurance is the primary coverage for any and all accidents and injuries that occur during the transport. They should contact their insurance company and inform them that they will be using their personal vehicle for business purposes.Read More »Managing use of Non-Owned Personal Vehicles

Driving safely in winter weather

driving in winter weatherFalling snow can be picturesque, but it can also wreak havoc on the roads. While no one enjoys driving in snowy or slippery conditions, there are steps you can take to help improve your safety.

Here are some guidelines that can help you stay safe when driving in adverse winter conditions:

  • Make sure your car is prepared for cold temperatures and winter conditions like snow and ice. Keep your equipment properly maintained and include a winter survival kit in your vehicle: an ice scraper, snow shovel and sand/salt. Jumper cables are also a good idea since batteries are prone to failure during cold weather.Read More »Driving safely in winter weather

What insurance do dental labs really need?

What insurance do labs really need? In this short article we provide answers to some of the most common insurance related questions. Today dental lab owners and lab technicians can be sued. But it is never late to give your business insurance a check-up and determine the type of liability insurance you need to have and then to make sure… Read More »What insurance do dental labs really need?

Identity Theft Risks After an Auto Accident

Each year, millions of Americans become victims of a car crash that causes mess on their day (and often their body and vehicle.) Auto accidents are stressful situations that can lead us to reveal more of our personal information to strangers than necessary. Even small fender benders can cause long-term pain if a friendly exchange of info leads to a… Read More »Identity Theft Risks After an Auto Accident

The Danger of Distracted Walking

Okay, we have said enough about the distracted driving. The cell phone use laws being adopted by the U.S. states are describing how and when the mobile phones can be used while driving. But what about pedestrians distracted with their smartphones? Can we blame them for major increase of fatal accidents involving pedestrians? Apparently yes. According to a recent report from the U.S. Department… Read More »The Danger of Distracted Walking

Protection for Water and Sewer Districts

Serving the public is a serious, round-the-clock responsibility. It’s your job to protect, plan for, and serve the needs of your community as it grows. And it’s our job to protect you with thoughtfully designed, tailored insurance coverages. Our dedicated underwriting, claims and risk control teams work specifically with water and sewer districts and can provide you with one source for your insurance and risk management needs.

WE UNDERSTAND YOUR GENERAL LIABILITY HAZARDS

• Training modules for unique risks such as flagging/traffic control
• Risk control specialists to assist in analyzing digging sites for pipe-laying hazards
• Coverage available for failure-to-supply services and sewer back-up liability
• Utilization of immunities and tort caps where applicable
• Coverage for members of boards, commissions and sewer authorities

WE HAVE AN INDUSTRY-LEADING WORKERS COMPENSATION PROGRAM

• Co-located medical and claims professionals promptly handle, thoroughly investigate and fairly resolve claims, with a focus on return-to-work
• Discounts and savings through carrier’s preferred medical provider network

WE KNOW YOUR MACHINES

• Specialized equipment breakdown  coverage and certified boiler and machinery inspections and consultations through carrier’s Boiler & Machinery

WE PROVIDE SERVICES FOR EMPLOYMENT PRACTICES

• Complimentary EPL hotline provides access to EPL attorneys* to answer your questions
• Discounts for employee training to help protect against “failure to train” exposures

WE UNDERSTAND EMOTIONS ASSOCIATED WITH SEWER BACKUP

• Our dedicated Sewer Backup Claim Unit  understands the importance of balancing residents’ emotional reactions to water backup events with prompt claim handling
• Specialists work with sewer backup adjusters for valuation of residents’ personal items, antiques, etc.

WE OFFER CYBER LIABILITY PROTECTION

• Coverage to protect against cyber and ID fraud for entities that store data electronically

Read More »Protection for Water and Sewer Districts