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On the Road with Workers’ Compensation and Occupational Accident Injury Insurance

Western Truck Insurance
Occupational Accident Injury Insurance

Workers’ Compensation and Occupational Accident Injury Insurance are two distinct types of coverage designed to address different aspects of workplace injuries in the trucking industry. Workers’ Compensation Insurance A statutory form of insurance, Workers’ Compensation insurance provides benefits to employees who suffer work-related injuries or illnesses. It is designed to protect both employees and employers … Continue reading “On the Road with Workers’ Compensation and Occupational Accident Injury Insurance”

Behind the Wheel of Truck Liability Insurance

Western Truck Insurance
truck liability insurance

Truck Liability insurance is the backbone coverage for commercial trucks and their operators. The policy protects truck operators who become legally liable for bodily injury and/or property damage to others related to operating the truck. All truck owners or lessees are required to purchase this coverage and meet state and federal agencies’ regulatory guidelines. The … Continue reading “Behind the Wheel of Truck Liability Insurance”

Comprehensive vs. Specified Perils Coverage in Physical Damage Truck Insurance

Western Truck Insurance
Physical damage truck insurance

Physical Damage Truck insurance is designed to protect commercial trucks and other vehicles used in transporting goods. The Collision portion of the policy provides coverage for damage to the insured truck that occurs as a result of a collision with another vehicle or object. This includes accidents where the insured truck is at fault. The … Continue reading “Comprehensive vs. Specified Perils Coverage in Physical Damage Truck Insurance”

Why Updating FMCSA MCS-150 Form Is Important for Transportation Carriers

Western Truck Insurance
MCS-150

The Federal Motor Carrier Safety Administration (FMCSA) mandates that, every two years, transportation companies update their Motor Carrier Identification Report (Form MCS-150). Updates may include changes or modifications to contact information (phone number, address, etc.), operating authority changes, ownership and control changes, insurance information, safety data, USDOT number, vehicle and equipment information, and other info. … Continue reading “Why Updating FMCSA MCS-150 Form Is Important for Transportation Carriers”

Down the Road: Electronic Truck Inspections

Western Truck Insurance
truck inspection

Truck inspections are expected to change as federal trucking regulators and commercial vehicle enforcement agencies push for wireless roadside inspections. Motor carriers will have to equip their trucks with devices to transmit the identity and condition of trucks and drivers to roadside enforcement. However, according to the North American Transportation Association (NTA), how motor carriers … Continue reading “Down the Road: Electronic Truck Inspections”

What’s the Difference Between Umbrella and Excess Liability Insurance? 

Western Truck Insurance
excess liability

Third-party litigation funding, anti-corporate sentiment among juries, and other factors have created an environment over the last decade or so in which huge settlements and awards are commonplace. Third-party litigation funding is the practice of investors’ buying an interest in the outcome of a lawsuit and has quickly become a multibillion-dollar industry, contributing to the … Continue reading “What’s the Difference Between Umbrella and Excess Liability Insurance? “

Ensure Smooth Workers’ Compensation Premium Audits 

Western Truck Insurance
workers' compensation

Workers’ Compensation insurance provides coverage for employee on-the-job injuries and illnesses. A business pays an estimated premium at the beginning of the year that is based on a number of factors, including payroll; industry classification (different industries have varying levels of risk with regard to workplace injuries and illnesses); employee classification (a driver is at … Continue reading “Ensure Smooth Workers’ Compensation Premium Audits “

The Importance of Small Trucking Fleets in Freight Transportation

Western Truck Insurance
WesternTrucking_SmallTruckingFleets

The trucking industry is responsible for moving 72.5% of our country’s freight. Small trucking fleets, characterized by six or fewer vehicles, are responsible for handling 91.5% of this freight, demonstrating the significant role they play in the movement of goods across the country. Following are several reasons why we rely on small trucking fleets to … Continue reading “The Importance of Small Trucking Fleets in Freight Transportation”