Why Every Trucker Should Have Roadside Assistance Coverage

Roadside assistance is an add-on type of insurance that some commercial truck drivers may not consider when looking for coverage. Having regular insurance on hand is a must, but budgeting for something like roadside assistance may not be at the top of a driver’s list. However, it’s important that drivers all around know the benefits of having some extra help.

In the event that a semi breaks down, roadside assistance can kick in. Drivers should consider commercial vehicle breakdown insurance to cover a wide range of issues including hotel and travel discounts, fuel delivery service and parts delivery. Let’s see how else vehicle breakdown insurance can be a benefit to truck drivers.

Towing

A semi-truck that finds itself broken down on the side of the road and needs transport to a mechanic will have to be towed away. Typically, this is a major expense under insurance plans and usually higher when it is outside of a roadside assistance program like vehicle breakdown insurance. Investing in this coverage can make things less complicated.

Flat Tires

Semi trucks are not immune to flat tires. Just like a regular car driver may need some help to change a flat, truck drivers could find themselves stranded and looking for assistance. Having a roadside assistance plan in place will offer up built-in help including bringing someone out to help change a flat, no matter the size.

Mechanic Service

Some insurance providers offer up mechanic service to help with things like electrical and mechanical issues. A provider will send someone out to your truck and make any minor repairs needed. Mobile mechanics may not be able to take on bigger tasks, like working on transmissions, but most disabling problems can be taken care of on the spot.

Jump Start

Sounds easy enough, right? Well, sometimes a simple jump start can be a lot to handle, especially for semi’s. Leaving the lights on or having a battery drained will put stress on any trucking operation. Getting a quick jump start will get you back on the road in no time, a must-have for any driver in any state.

Fluid Delivery

Low on oil? A provider can send help with a mobile mechanic who can drop some much needed fluids into a truck. This will help to safeguard against potential engine damage down the road and keep internal damage at bay.

Lockout Service

Forget your keys in the truck cabin? This happens to anyone. Having roadside assistance in place will also lend a hand when you forget your keys in your truck as a provider will send someone out to replace your keys or help you get back into your truck.

About Western Truck Insurance Services

Western Truck Insurance Services is a commercial truck insurance agency with roots dating back to 1954. We have evolved into a highly respected, professionally managed, truck and transportation insurance brokerage. The hallmark of our organization is our desire to provide unparalleled service. We go way beyond what you expect to receive from an insurance brokerage. Equipped with state of the art automation, Western Truck Insurance can provide you with lightning fast truck insurance quotes, customer service, Insurance certificates and coverage changes.

Tired Trucking: How to Combat Driver Fatigue

With the rise of e-commerce platforms like Amazon and a huge shift in how we as a society shop for and ship items, the trucking industry has seen a huge boom in activity in recent years. More than 15 million commercial trucks drive along American highways, transporting more than 70% of all goods in the U.S. While this may be a good sign of consumer confidence, it also shows the built-in rise of risk behind the wheel.

According to a survey conducted by the FMCSA (Federal Motor Carrier Safety Administration), the main reason behind commercial truck crashes are fatigued and overworked drivers. Given the nature of the size of vehicle, these crashes ultimately result in serious injury and even death. While it’s important for truck drivers and the transportation companies they work for to invest in Commercial Truck Insurance as a safe precaution, it’s even more important to understand how driver fatigue can be avoided. Here are some ways to combat it:

Get Enough Sleep

This may seem like a simple idea, but more often than not truck drivers find themselves climbing behind the wheel without the proper amount of sleep. It’s important to get a full night’s sleep every night and try to avoid driving when you’re feeling drowsy. Drowsiness may impair the response time of a driver and increase the chances of being involved in a crash.

Have a Healthy Diet

Long hauls on highways may make it hard to maintain a healthy and consistent diet, but it’s a vital component to driver health overall. Going to bed on an empty stomach, skipping meals, or eating foods that don’t contain adequate nutritional value can all lead to interrupted sleep. Not being well-rested due to lack of nutrition and lack of refueling can impair awareness and reaction time.

Stop for a Nap

Even though driver’s like to stick to a schedule, if it gets to a point where you find yourself constantly sleepy behind the wheel, especially during the day, it would help to pull over and nap for a short period of time. A quick stop to recharge or even just rest your eyes without falling asleep for 30-45 minutes will rejuvenate drivers in the middle of a long haul.

Be Aware of Drowsiness

Keep paying attention to indicators of drowsiness such as frequent yawning, heavy eyes blurred vision, and hearing issues. Being awake for 18 hours is relative to having a blood alcohol concentration of .08 percent, the legal level of intoxication. Be sure to recognize when it’s getting too hard to keep your attention focused, as this indicates drowsiness beyond a good limit.

Don’t Use Tricks to Stay Awake

From slapping yourself in the face to rolling the window down to let cold air in to chewing sunflower seeds, there are many different tricks that people have used to stay awake. These actually give you a false sense of security, making you feel like your gaming sleepiness. What they’re doing is actually making things potentially worse as you’re exerting more effort to stay awake when it’s easier and more sensical to pull over and rest.

What’s more, while caffeine may be good to get the day started, depending on caffeine to keep you awake will lead to insomnia, headaches and nervousness, a powerful combination that can lead to mistakes behind the wheel.

About Western Truck Insurance Services

Western Truck Insurance Services is a commercial truck insurance agency with roots dating back to 1954. We have evolved into a highly respected, professionally managed, truck and transportation insurance brokerage. The hallmark of our organization is our desire to provide unparalleled service. We go way beyond what you expect to receive from an insurance brokerage. Equipped with state of the art automation, Western Truck Insurance can provide you with lightning fast truck insurance quotes, customer service, Insurance certificates and coverage changes.

The Fundamentals of Dump Truck Insurance

Every year there are about 4,000 deaths as a result of large trucks being involved in accidents on the road in America. The risk is high for truck drivers as they drive across the highways every day, and it’s even riskier for dump truck drivers as their vehicles are less agile than cars around them. Damage can be high and the risk of fatality or injury can rise.

A Dump Truck Insurance policy is a specialized type of policy for commercial vehicles that helps protect drivers or owner-operators against truck accident liability as well as provide supplemental coverages to protect against financial exposure. Let’s go over the basics of this kind of insurance and look at its benefits.

Dump Truck Insurance: Is It Required?

In each state there’s a different minimum required limit for liability coverage. This specialized coverage typically comes with separate minimum required limits for bodily injury liability and property damage liability. All trucks are required to carry commercial dump truck insurance that meets the state-required minimum coverage limits for bodily injury liability as well as liability for physical damage to property.

Sometimes, primary liability insurance coverage is provided by the motor carrier. In other cases, a truck driver may be required to purchase coverage for liability. The benefit of having insurance for dump trucks is that it includes the costs of repairing any damage to a dump truck or medical expenses for driver injuries.

What’s Covered?

Having dump truck insurance is like having peace of mind behind the wheel and on the road. Liability insurance is at the center of every policy, providing coverage for bodily injury liability and property damage liability due to accidents involving trucks. Additionally, other causes like fire, theft, and other risks can be covered under dump truck insurance. Again, these policy coverages can vary by state, but more options can include medical payments or personal injury protection.

Here’s a list of available coverages:

  • Bodily injury liability
  • Medical payments
  • Property damage liability
  • Collision damage
  • Business interruption
  • Workers’ Compensation and/or Occupational Accident Injury
  • And more

How Much Does This All Cost?

By now you can see the value that dump truck insurance provides drivers. When it comes to overall charges, once again, this can vary by state. Additionally, there are other factors that play a role in what the overall cost is. Things like claims history, driving record, and other relevant considerations are looked at when inquiring about a new policy.

Dump truck insurance policies can be tailored to your needs and a good insurance agent will be able to craft the package that’s fit for you. The dump truck business is growing and evolving, and policies are also changing in the same way. Make sure to discuss your liability coverage limits with an agent and go over things like minimum requirements by your state.

About Western Truck Insurance Services

Western Truck Insurance Services is a commercial truck insurance agency with roots dating back to 1954. We have evolved into a highly respected, professionally managed, truck and \ transportation insurance brokerage. The hallmark of our organization is our desire to provide unparalleled service. We go way beyond what you expect to receive from an insurance brokerage. Equipped with state of the art automation, Western Truck Insurance can provide you with lightning fast truck insurance quotes, customer service, Insurance certificates and coverage changes.

How Data-Driven Technology Could Change the Trucking Industry

Technology is increasingly changing the world around us and making innovative steps in virtually every industry including trucking. Long haul companies are seeing a growing dependency on digital technology affect their operations and having to reorganize the way they do business. With the advent of autonomous trucking and a threat of a driver shortage looming, the trucking industry is seeing a number of rapid changes pushing and pulling it in many different directions.

Digitized trucking is still a little ways off and the logistics industry as a whole still has time to prepare for dramatic shifts like how to go about commercial truck insurance. Parts of it are already being put in place due to a couple major global trends that are helping to change the trucking industry.

The first is a push to manage climate change and to save energy and resources in an industry that traditionally goes against those notions. Secondly, social and cultural changes are beginning to open up new markets and expectations for the influence of autonomous vehicles and the digitized supply chain. Together, these two factors show that the effect of these trends isn’t just a matter of trucks themselves or how global supply chain is managed. Instead, digitized trucking will transform how most stakeholders in OEMs, logistics, warehouses, and others will operate.

Logistics

Soon enough it will be possible to integrate the truck into real-time logistics data across the whole supply chain. Parts, materials suppliers, manufacturers, warehouses–virtually every area will be affected. When orders are sent to manufacturers, a supply chain system will send back a report on the availability of the goods and timing of shipping it out, thus optimizing its production schedule. If something happens that impedes the truck from delivering on time, on schedule, the system can automatically determine a new route and update the receiving party about the new arrival time.

Transforming the Industry

Bringing updated digital technologies together in the trucking industry of tomorrow has already begun and the digitally integrated world of trucking will see massive differences soon. Trucking companies should already be on top of these changes and anticipating how they can change in real time. Expect to see further development of a hub-and-spoke delivery structure.

The use of large distribution hubs will become normalized in trucking. Trucks will have the ability to do away with human interaction during hub-to-hub trips as autonomous technology continues to be perfected. For now, there are trucking companies trying out this tech, such as Uber and Tesla, seeing how trucks can handle getting on and off highways as well as tracking their cruising performance. As hub-to-hub trucking becomes more common and necessary, regulations will have to change around the impact of fuel consumption and CO2 emissions.

This digital data landscape is more than just software and more visible in areas besides just warehouses and freight loads. Trucking companies should connect the dots between all areas of growth and change in the industry and see their domino-like effects.

About Western Truck Insurance Services

Western Truck Insurance Services is a commercial truck insurance agency with roots dating back to 1954. We have evolved into a highly respected, professionally managed, truck and \ transportation insurance brokerage. The hallmark of our organization is our desire to provide unparalleled service. We go way beyond what you expect to receive from an insurance brokerage. Equipped with state of the art automation, Western Truck Insurance can provide you with lightning fast truck insurance quotes, customer service, Insurance certificates and coverage changes.

Questions to Ask Your Truck Insurance Agent

For commercial truck operators, when it comes to insurance, a little bit of research can go a long way. From shopping around and getting quotes to going over exactly what is needed to be better protected behind the wheel, there are preliminary measures to account for.

Truck insurance options aren’t all made equally, and that’s why it’s important for those needing coverage to take a proactive approach to finding the best fit. Chances are that multiple insurance carriers will want your business after you first approach them, so be prepared to ask hardline questions to make sure you’re getting everything covered.  Here are five questions to ask agents.

1. How Much Coverage Do I Need?

Truck liability insurance for heavy trucks typically requires the minimum amount of $750,000 as set forth by the USDOT or by the State; but most truck operators select $1mm limits.  Most shippers and brokers require the $1mm limits. While these limit may seem a bit high, big rigs can cause a lot of damage to whatever they hit, even if an incident isn’t the driver’s fault.

Commercial drivers should ask their potential insurance agent to guide them through options related to limits. Also, touch on things like umbrella, or excess, policies that can protect you when it comes to drastic losses.

2. Do You Offer Cargo Coverage?

With different types of cargo comes different types of risks. From grain to livestock, oil to cars to hazmat, truckers should understand the potential risks these individual factors pose. While most truck drivers elect cargo insurance at $100,000 care should be taken to make sure the cargo insurance meets the maximum cargo value being transported.

A trucking insurance agent should know what you’re shipping around and be able to offer the right coverage options based on that.  In addition, cargo insurance policies can differ greatly in their coverage conditions and exclusions and a good agent will help you navigate these complex issues.

3. Can I Get a Combined Deductible?

There are times when an accident causes damage to everything from your truck to your cargo to other vehicles on the road. Each of these types of damage brings their own liabilities. Your insurance package should cover all this, but separate deductibles will apply to the individual factors.

When you get a combined deductible, you’re only responsible for paying a single deductible no matter the coverages used. It makes this process simple and more easily structured.

4. Can You Change My Policy Quickly?

Truckers who find themselves changing out what they haul on a regular basis, or even day-to-day basis, should be able to reach out to their agent at a moment’s notice. Being able to change your policy quickly can provide protection when you are in a situation where a specific coverage is needed.   Your insurance agent, or the office, should be available to you for these changes.

5. What Factors Are Affecting My Premium?

Typically, insurance companies base risk on a number of factors, Age, driving record, credit score, years of experience, distance traveled,  freight carried, and others all play a role in just what affects your overall coverage. If your quote seems high, bring it to your agents attention and ask just what is causing this. There are steps you can take to fixing it when renewal is coming up.

About Western Truck Insurance Services

Western Truck Insurance Services is a commercial truck insurance agency with roots dating back to 1954. We have evolved into a highly respected, professionally managed, truck and transportation insurance brokerage. The hallmark of our organization is our desire to provide unparalleled service. We go way beyond what you expect to receive from an insurance brokerage. Equipped with state of the art automation, Western Truck Insurance can provide you with lightning fast truck insurance quotes, customer service, Insurance certificates and coverage changes.

 

 

What’s the Difference Between Commercial Property and Commercial Equipment Coverage?

For many property owners, the need to carry insurance to protect their land and everything on it is a standard and vital need. Property owners should evaluate what needs to be protected and then re-evaluate on a regular basis to ensure overall integrity.

But the decision to protect everything from heavy equipment to the garages, per se, that house them can bring some confusion. Ultimately, it’s imperative for business owners to invest in the right coverage to protect what is theirs, and educating oneself in regards to finding the right policy or policies needs to be at the beginning.

When a transportation company fires up a new big rig, they reach for dependable truck insurance. So why shouldn’t a business that operates with machinery or houses such equipment find coverage? Let’s take a look at the different between commercial property insurance and commercial equipment insurance:

Commercial Property Coverage

Depending on your company’s location, you may not be required by law to obtain commercial property insurance. However, a business may be required to do so by their lender. Most business owners make a choice to purchase this kind of insurance policy because of the wide range of protection that it provides.

Property that is being leased can also be insured under this policy as well as property that is owned by somebody else. Commercial property coverage provides insurance for any number of buildings, finished additions,  and other business personal property that are part of a business operation.

Specifically, this coverage applies protection for various types of commercial property. You can equate this to coverage for buildings and personal property  in a business. What’s more, if a business suffers a loss, commercial property insurance can provide coverage for lost income and extra expenses. Make sure to assess everything that needs to be covered or have an insurance broker determine what and how much needs to be put under a personalized policy.

Commercial Equipment Coverage

Commercial equipment coverage is also referred to as contractor’s equipment coverage. This policy provides protection for various equipment and machinery from physical damage. This policy goes a step further beyond commercial property insurance by covering what is not designed to be protected under the policy above.

Consider this: Does your business use heavy equipment such as tractors, backhoes, and forklifts? Then this coverage is tailor-made to protect against damage of those items. More often than not a business’s assets are tied up in heavy equipment, making this kind of protection a high priority.

Most people think that a policy like this only refers to physical damages, but it also includes loss due to theft. Stolen heavy equipment numbers are on the rise and commercial businesses need to do what they can to protect against such loss. Depending on where you are at in the country, your heavy equipment may be at a higher risk of being damaged or stolen.

Be sure to work with an insurance broker to understand what your business needs in terms of coverage and what needs the most protection.

About Western Truck Insurance Services

Western Truck Insurance Services is much more than a commercial truck insurance agency. Since 1954, we have provided our clients with unparalleled service for truck insurance quotes, customer service, coverage charges, insurance certificates, and more. We are committed to providing our clients with the service to keep their costs to the minimum and their opportunities to the maximum. For more information about our products and services, give us a call at (800) 937-8785 to speak with one of our experts.

Explaining the Most Important Trucking Bonds

As a trucking company, depending on your state and the type of trucking business you operate, you may be required to be issued one of a variety of bonds, also known as a “surety” bond. Four of the most common trucking bonds are C.O.D. bonds, motor vehicle registration bonds, U.S. Customs bonds, and freight broker bonds. The following information will give you a basic overview of those types of bonds and when they would be necessary for your operation.

COD Bond

COD bonds are also known as Collect on Delivery bonds. With a COD bond, a surety company will provide the obligee a guarantee that clients, vendors, customers and employees will provide payment for financial damages in the event that a licensed business violates licensing laws. The purpose of these bonds is to allow the trucker to deliver freight and collect the shipers payment for the goods being delivered from the consignee (also known as the receiver).

Here’s how these bonds work. The bond will pay up to the bond amount stipulated on the bond form. The surety company reviews claims from the public to determine the validity of their claim, however, the licensed business owner is still responsible for their actions and must reimburse the bond company for payments made of face license suspension. The bond company also directly receives claims from the public and determines the validity of claims.

Ultimately, the licensed business owners are responsible for their actions and required by law to reimburse the surety company for any payments made under the bond or face indefinite license suspension.

Motor Vehicle Registration Bond

Motor Vehicle Registration bonds, also called service bonds, must be issued by an insurance carrier admitted by your specific state. The insurance company issuing any surety bond is referred to as the “bond company” or “surety company”. The trucking company business is called the Principal, the bond company is known as the Obligor and the State Department of Motor Vehicles is the Obligee.

In the event that the Principal violates licensing law, the bond pays the vendors, employees, and customers financial damages up to the amount stated on the surety form. The purpose of this bond is providing the shippers with a guarantee of them receiving their payment from the trucking company.

U.S. Customs Bond

U.S. Customs bond is a financial guaranty between 3 parties: the Principal filing the bond, the Insurance company issuing the bond, and Customs & Border Protection (CBP). The bond is a guarantee to Customs & Border Protection that they can seek financial compensation up to the bond amount in the event that they aren’t able to collect money due from the Principal. The bond indemnifies the surety company, which allows them to collect from the Principal any money that was paid to CBP on the Principal’s behalf, using any legal means.

Freight Broker Bond

The Federal Motor Carrier Safety Administration (FMCSA) has a requirement that forwarders and freight brokers secure a freight broker bond as part of their freight brokerage licensing process. The bond is meant to protect motor carriers and shippers and the contractual obligations they have with freight brokers.  For example, if a freight broker refuses or delays payment unreasonably, the freight broker bond ensures that shippers and carriers receive compensation.

If you have questions about trucking bonds or any other truck insurance needs, we have the answers. Give us a call today for more information about these forms of coverage.

About Western Truck Insurance Services

Western Truck Insurance Services is much more than a commercial truck insurance agency. Since 1954, we have provided our clients with unparalleled service for truck insurance quotes, customer service, coverage charges, insurance certificates, and more. We are committed to providing our clients with the service to keep their costs to the minimum and their opportunities to the maximum. For more information about our products and services, give us a call at (800) 937-8785 to speak with one of our experts.

More Than Just Posture – 3 Tips for Better Driver Ergonomics

Did you know that proper ergonomics is just as important of an aspect of truck driver health and safety as it is for those who work in offices? Each year, thousands of drivers are plagued by neck, back, and spinal issues associated with poor posture. Truck drivers are among the top professions to be out of work due to injuries, and ergonomic injuries are wholly avoidable by making only a few small changes

Most people don’t consider it, but the simplest way truckers can help prevent these types of ailments is by taking the same proactive steps designed for improved posture that are recommended for desk dwellers. Here are three vital ergonomic ideas to consider.

#1: Make Seat Adjustments

Similar to choosing the right type of desk chair, one of the easiest ways to ensure your cab is as safe as possible is to pay attention to seat adjustments before you even start the engine. Begin by making sure your feet can comfortably reach the gas pedal, clutch, and brake. Then adjust the seat’s backrest so that your arms are at a slight angle while you are holding the steering wheel. You’ll also want to raise the seat as high as you can while still being comfortable and tilt the seat cushion so that your thighs are fully supported without putting too much pressure on your knees.

#2: Remember Your Posture

Another vital thing to remember is your overall posture inside the truck. No matter how fatigued you become, don’t ever slouch while driving which can cause strain on your muscles and joints. This may take a bit of practice at first, but remembering to sit up straight can help prevent neck and back pain. It is also important to change your position in the seat slightly every half hour. While it isn’t always possible, try to take breaks when you can to get out of the vehicle and stretch.

#3: Maintain Good Habits When Outside the Truck

Keeping up with good health habits when you are off the road is also important. Exercises such as yoga or Pilates are excellent for strengthening your core area, which can help support your neck, back, and spine more efficiently when you are driving. And remember to correct your posture while sitting in a chair in your living room, hotel, or even at restaurants. Practice really does make perfect.

While truck drivers don’t spend their days in an office per se, a healthy and safe working environment is just as important. Protect your body by implementing the above ergonomic tips as soon as possible.

However, in addition to having these best practices in place, all truck drivers, whether they are full-time employees or independent contractors, should have truck insurance that provides coverage for injuries incurred on the job, whether it is Workers’ Compensation for full-time employees or Occupational Accident for independent contractors and owner-operators.

About Western Truck Insurance Services

Western Truck Insurance Services is much more than a commercial truck insurance agency. Since 1954, we have provided our clients with unparalleled service for truck insurance quotes, customer service, coverage charges, insurance certificates, and more. We are committed to providing our clients with the service to keep their costs to the minimum and their opportunities to the maximum. For more information about our products and services, give us a call at (800) 937-8785 to speak with one of our experts.

How Truck Drivers Can Stay Safe in the Summer Heat

Now that the sweltering months of summer have arrived, many truck drivers find themselves facing some unique safety challenges behind-the-wheel. Fortunately, there are a few simple tips all truck drivers can follow to keep themselves and other motorists safer this summer.

Save Yourself From Sunburn

Exposure to UVA and UVB rays is a risk for truck drivers year-round, but this is especially true during the summer months, when truck drivers are less likely to be wearing protective layers that would otherwise limit their exposure to the sun’s harmful rays. While driving during daylight hours, make sure you apply (and re-apply) a quality sunscreen at least every few hours. Wearing sunglasses and/or a hat with a brim while driving can also protect your eyes from sun damage while allowing you to avoid dangerous glare and other obstructions.

Keep Your Truck Maintained

When was the last time you had the tire pressure checked on your truck? If it’s been more than a week or two, be sure to have this done; this is an important maintenance task year-round, but especially during the hotter months of summer, when truck tires are more susceptible to blow-outs. The same goes for checking and servicing your brakes, as hotter temperatures can make it easier for your brakes to overheat and create a major safety hazard while driving.

Load Up on Hydrating Fluids

Drinking plenty of water while behind the wheel is one of the best decisions you can make to avoid dehydration and the side effects (such as fatigue) that can come along with it. While it may be tempting to choose an iced coffee, soda, or other caffeinated beverage over plain water, it’s important to stay well hydrated during the sweltering months of summer. To make sure you’re drinking enough water, consider investing in a quality insulated water bottle that you make an effort to fill up at least a few times a day during your travels.

Be Alert on Crowded Roadways

Highways and roadways tend to be more crowded during the summer months, especially as children are out of school and families are taking more vacations and road trips. With this in mind, it’s more important than ever to stay alert on the road, especially during times of heavy traffic. Above all else, try to maintain your patience and remember your safety training when navigating busy roads.

Summer time can be a more dangerous time for truck drivers—and for a number of reasons. By following these practical safety tips and making sure you’re protected by the right commercial truck insurance, however, you can keep yourself and other motorists safe. Reach out to the Western Truck insurance team today for more information.

About Western Truck Insurance Services

Western Truck Insurance Services is much more than a commercial truck insurance agency. With roots dating back to 1954, we have provided our clients with unparalleled service for truck insurance quotes, customer service, coverage charges, insurance certificates, and more. We are committed to providing our clients with the service to keep their costs to the minimum and their opportunities to the maximum. For more information about our products and services, give us a call at (800) 937-8785 to speak with one of our experts.

Why Crime Insurance is a Necessity for Trucking Operations

Trucking operations are a prime target for theft and criminal activities. Cargo theft in the U.S. is more common than people think. According to the FBI, the annual economic loss due to cargo theft is around $30 billion – reporting that the average cargo loss in 628 incidents in 2015 had a value of $44,426 per case.

What About Employee Theft?

Thieves scout for vulnerable trucks with poor security measures in place where cargo can be stolen easily – and some of those thieves may be trusted employees. Insurance for crime coverage in trucking operations is generally limited to motor truck cargo insurance and warehouse legal coverage. Since standard insurance policies have an exclusion for coverage of employee theft, criminal activity by your own employees isn’t covered. In order to bridge the gap between what is covered for cargo and warehouse losses and potential employee crime, you need a crime insurance policy which specifically addresses employee theft.  

Reducing Employee Theft

While it’s crucial that you cover your trucking operation with a crime insurance policy for employee theft, there are security measures you can put in place to reduce the possibility of being a victim of employee crime:

  • Never leave a loaded truck unattended, or without security, on your property or allow a driver to take a loaded truck home.
  • Ensure that drivers maintain regular contact with dispatch during every part of the shipping process.
  • Have a closed-mouth policy about your operations. Train your drivers and employees to be careful about what they say to fellow employees as well as friends and family. Train them to refrain from talking about the cargo in the trucks, and to not give out route information to people not in the chain of command.
  • Make sure all employees and drivers follow delivery and pickup protocols. Have a procedure in place for checking all ID from any personnel who unload a truck – each time. Audit your protocols regularly.
  • Screen for dishonest employees before hiring them. Run a comprehensive background check on all employees, not just the ones who have direct access to cargo contents, shipping, and routing information. If they claim to have worked in the trucking industry before, contact every reference they provide.
  • Have periodic security training for all employees.  
  • Pay attention to employees who don’t follow directions, don’t follow protocol, are loose with standards, and if there are security breaches, don’t keep them on.  
  • Use technology to manage security and route shipments, and have a system in place to act quickly if a truck goes off its route.  

If you have employees in your trucking operation, you need a crime insurance policy to cover employee theft, even if you have truck cargo insurance and warehouse insurance coverage. If you have questions about your trucking insurance needs, we have answers. Give us a call today or stop by and speak with one of our insurance specialists.

About Western Truck Insurance Services

Western Truck Insurance Services is much more than a commercial truck insurance agency. With roots dating back to 1954, we have provided our clients with unparalleled service for truck insurance quotes, customer service, coverage charges, insurance certificates, and more. We are committed to providing our clients with the service to keep their costs to the minimum and their opportunities to the maximum. For more information about our products and services, give us a call at (800) 937-8785 to speak with one of our experts.