What to Know About the Necessary Commercial Vehicle Licensing Requirements

Every state has requirements for commercial transportation licensing that helps to keep trucking companies and freight forwarders regulated on the roads. Truckers, public livery, freight forwarders, and others all have some form of governmental licensing requirements, which means that trucking companies are bound to certain guidelines to keep them safe.

If a trucking company does not follow the requirements, they would be opening themselves to serious Federal and State fines which will effectively put them out of business. Here is a quick overview of some of the basic requirements for trucking and freight companies when it comes to licensing and permit requirements.

Interstate Trucking and Intrastate Trucking

There are plenty of differences between intrastate and interstate trucking and the professionals who drive those distinct routes. And regulation between the two is no different.

Trucking professionals who are hauling for hire with interstate travel are required by law to apply for a permit with the Department of Transportation and FMCSA. In doing this, truckers will also need the information (DOT & MC #’s) marked on their vehicles.

Intrastate truckers are required, depending upon State rules, to apply for a permit with their respective state. Each state has its own unique criteria, but most states have adopted the Federal guidelines when it comes to truck insurance issues. Trucking companies need to have truck insurance in place in order to meet the guidelines.

Many States are  using the DOT inspections for interstate carriers to monitor the safety and truck insurance aspects of the intrastate truckers. For truckers doing both intrastate and interstate shipments, a state and federal permit would be needed to operate.

Public Livery Operators

Public livery operators, such as bus drivers, limo drivers and taxi operators, are regulated in the same way as truckers are above. These types of drivers are treated differently as their operations are completely different and may be under more intense monitoring than trucking professionals. There are higher requirements for auto liability insurance than for truckers.

Freight Forwarders

Freight forwarders have a specific requirement to obtain a freight forwarder permit from the DOT and FMCSA if they are moving freight interstate or internationally. There are various bonds that may be required, which depends on what activities are being performed.

Regardless of interstate or intrastate, trucking or public livery, requirements are there to keep driving professionals, their companies and the general public safe, not to mention complete the services and tasks at hand for clients. It’s important to know the basics of what’s expected and to consult with the right truck insurance provider to help with understanding the requirements.

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 to Recruit and Retain Skilled Truck Drivers

Turnover in the trucking industry is reaching high levels as older generations of drivers begin to phase out and recruitment efforts to reach younger drivers hasn’t created many opportunities. The trucking industry is already facing a massive shortage with more of a problem to come in the next decade as current drivers are starting to end their driving careers. In fact, companies already need about 60,000 drivers to fill positions, with another 40,000 estimated in the next few years.

The pressure is on trucking companies to not only recruit drivers but retain them for generations to come. With turnover rates near 100 percent, companies will have to replace nearly all drivers within the next couple of years to meet the rising demands of the freight market.

Incentivize Employees

Trucking companies have enough on their hands when it comes to meeting the rise in demand and having to handle employee turnover is only adding to the stress. Trucking companies can calm the stress of their employees by rewarding their hard work and timely deliveries with better incentives that can act as goal markers for drivers.

Some trucking companies have found success in offering more benefits and bonuses to truckers on a regular basis, like every six months or so. From meeting fuel efficiency and safety goals to getting deliveries done on schedule on a regular time frame, companies should can encourage their employees to work hard and get recognized for it.

Insure the Future

No one wants to work with risk hanging over their head, that includes trucking professionals. Trucking companies can make sure to ensure their future is safe through opting for comprehensive truck insurance that provides safety and long-term protection for their operations and employees. Truck insurance can help keep everything from cargo to employees to finances safe in the event of an accident, loss or damage. There are many different obstacles that trucking operations face, so having this peace of mind will help, especially when trying to retain drivers for future generations.

Provide the Right Benefits

One thing that will keep truck drivers on the payroll and making trips in full and on time is providing the right benefits that will go the extra mile. Many trucking companies are now opting to boost their health coverage benefits to attract younger and healthier drivers who are planning for a future. Other benefits include paid vacation days, sick time and 401(k)’s that will appeal to drivers in any phase in their career who are wanting to plan for a future.

The main point here is looking years down the road for a stable employee base. Programs that offer employees some equity in a trucking operation like a stock ownership plan is another way to entice employees to literally invest in their future with a company. Having built-in benefits can help attract new employees looking for a change of pace in their career as well as retain drivers who may be considering a change of their own.

Show Appreciation

Truck drivers spend long hours on the road, hauling freight for days and even weeks at a time. This takes them away from their home, their families, and their own free time. Companies need to adjust their operations and formulate programs in which drivers can still have a healthy personal and home life while also meeting the demands of clients.

Companies can build a team-oriented culture that puts a focus on the health and well-being of drivers. Drivers should be offered the same benefits and perks that are provided in other industries, and there should also be a stress on keeping lines of communication open to hear their ideas and field their feedback.

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 Most Common Causes of Truck Insurance Claims

Trucking companies put a lot on the line when their drivers are out on the road. Not only are there logistical matters to tend to, such as getting orders delivered in full and on time, but there are safety concerns to keep in mind. There are a number of reasons why things might not go according to plan for every freight assignment, which is why truck insurance options are there for trucking companies looking to keep their operations financially supported.

According to the Federal Motor Carrier Safety Administration (FMCSA), upwards of 475,000 crashes involving large commercial vehicles in the United States each year. This leads to costly losses that can do damage against a trucking company’s reputation and overall business growth. That’s why trucking liability insurance is a mandatory item, and that’s why it’s important to know the major causes of truck insurance claims.

Vehicle Breakdown

It’s every truck driver’s nightmare—being stranded on the side of the road with no help in sight. From flat tires to overheating to issues with brakes, there is a host of issues that can leave a commercial truck in the lurch.

For the latter, the FMCSA put out a study about brake-related issues. What the study found was that brakes have accounted for 29 percent of semi-truck accidents. A truck’s disc and drum brakes are exposed to consistent heat, pressure and friction, which, combined, cause wear and tear, especially without regular maintenance.

Driver Error

Truck drivers are just like regular commuters in that they have the same kinds of distractions when they’re behind the wheel. But it can be argued that they have it worse because of many other factors and things to consider.

If a truck driver is hauling freight too fast, it takes longer to slow down, which can lead to an accident. There are also recognition errors to consider, such as driver distraction, or performance issues that include overcompensating on the road while trying to make turns.

Loss & Damage

No matter what a truck driver carries on board, it’s all precious cargo. Whether it’s automobiles, electronics, or stuffed animals, all products on a truck have value to their owner. When a loss happens, this can cause a major worry for a client and bring about truck insurance claims that a trucking company doesn’t look forward to dealing with.

When a load is lost, the freight on the original bill of lading doesn’t make it to its destination. Or when something is damaged, it’s an issue related to the overall integrity of the products onboard. If there’s anything out of order or a problem with delivery, a trucking company can see major claims made against them.

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 Best Things for Truck Drivers to Do on Their Breaks

It’s not surprising to say that truck drivers spend a lot of time behind the wheel and feel the effects of long hauls and time away from home. Some spend up to 80 hours a week hauling freight from here to there by getting up early to beat the sun and get a head start on the road. So, it’s also easy to say that trucking professional value their breaks.

But with all that time on the road they may feel drained and not encouraged to do more than rest up, which is probably the most important thing in terms of driver health. In fact, truck insurance plans have been accessed by companies needing financial support following incidents related to driver health.

It should also be encouraged that drivers find a nice middle ground and stay active by keeping the mind and body as active as possible. Here are some of the different ways in which truck drivers can make the most of their breaks while still sticking to a schedule.

Yoga and Fitness

When it comes to the body, pulling long hauls can be taxing. Back stiffness, leg soreness and more issues can arise over time and take a toll on a trucker’s overall health. One way this can be alleviated is to swan dive into a daily dose of downward dog. Even 10 minutes of stretching and challenging your body to try new stretch positions can help to increase flexibility, bone density and breathing ability. Drivers should be encouraged to take 10-15 minutes a day to try yoga and make sure they’re as loose as possible, especially in between long stops.

Another way to keep as fit as possible is to incorporate other fitness options. While it may not be possible to haul your own weightlifting equipment there are things like less-heavy dumbbells you can store aboard. If you’re wanting to stay away from bulking up there are cardio-based workouts that can boost a healthy heart, such as running, long walks, and high intensity interval training workouts that are short and impactful.

Staying Knowledgeable

Thirty minutes of rest time can also be 30 minutes of study time or getting in touch with the latest news. Taking even a short break to get plugged in to learning about a new subject or getting up to date on things going on in sports or political news can help to keep the mind moving.

Have you been pushing off reading that spy thriller or latest issue of a favorite magazine? This is the perfect time to read up and stay informed.

Healthy Eating

Eating options while on the road aren’t always the healthiest and with limited time to rest getting something quick and easy may be the only choice. But drivers can also find ways to incorporate healthy eating with limited time and resources.

Drivers can get access to ideas on quick, easy-to-prepare meals that they can make right in their cabins. Limited time doesn’t have to translate to only things like fast food or fatty snacks. From fruits to smoothies, nuts to easy salads, truck drivers can learn take their breaks to learn how to cook some new meals.

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.

Why It’s Important for Truck Drivers to Have Roadside Assistance Coverage

One of the worst situations a trucking professional can be in is being stranded on the side of the road without help coming their way. It’s even worse when a tire fails or an engine burns out while hauling across the country and having to pull over in the middle of nowhere.

Trucking companies and their drivers need to know the risk of operating without specialized commercial truck insurance programs, such as roadside assistance. Having a 24-hour roadside assistance plan covering your vehicles while they’re on the road will add peace of mind and a comprehensive solution to keeping everything safe. From towing to flat tires, mobile mechanic service to a simple jump start, commercial truck roadside assistance is a must-have for trucking companies.

No one can predict when something will go awry while behind the wheel. If you find yourself stuck on the side of the road with no help coming there’s probably a lot to consider. Will you get to your pickup spot on time? Will you be able to drop off in time? What about the cargo you’re hauling—is it something that needs to be kept at a certain temperature?

There are so many factors to consider when it comes to having roadside assistance. Even just being stranded can be a taxing on a truck driver as it keeps them away from home as well as putting their job in possible jeopardy.

What Our Roadside Assistance Can Do For Your Operation

Western Truck Insurance offers commercial truck insurance with roadside assistance services that can help to answer the call when something doesn’t go according to plan. This is a great and inexpensive service that won’t be taxing on your company’s budget and will help to keep everything moving without having to worry about forking over too much. Here are some of the benefits you get with roadside assistance:

  • Unlimited Roadside Assistance
  • Towing – up to 50 miles per disablement
  • Flat Tire Assistance
  • Tire Replacement Assistance – up to $100 per disablement
  • Mobile Mechanic Service
  • Vehicle Winching / Extricating
  • Custom Trip Routing / Navigation Assistance
  • Vehicle Jump start
  • Hotel and Travel Discounts
  • Oil, Fluid and Water Delivery Service
  • Lockout / Replacement Key Services – up to $100
  • Fuel Delivery Service – up to 30 gallons of fuel
  • Concierge Service – restaurants, lodging, truck stops, fuel stops, etc.
  • Road America’s Savings Connection Program – save on prescriptions, car rentals, theme parks and more

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 Additional Coverages Do Couriers Need?

On-demandfood and package delivery has seen a huge rise in engagement in the last couple of years, with options like AmazonPrime, Uber Eats and GrubHub taking over space on the phones of consumers.While this is great for people who want their orders delivered on time, this iscausing those companies to find new employees to meet the high and growingdemand.

This growing market is also bringing to light another major issue: liabilities. And this isn’t just for food delivery or small packages—it’s also for independent contractors who haul mid-sized to large orders. Who’s at risk and for what, and what can be covered? These are some questions that independent couriers have to ask and find answers for taking on new work.

Different Types of Insurance

Courierbusinesses who use five or fewer vehicles will need to take on courierinsurance. This is similar to truck insurance for trucking operations, but with a very specific bend. For largeroperations more than five vehicles, there can be an option for something calledvan and fleet insurance. And independent couriers who drive freight trucks canlook into specific protection under truck insurance policies as notes above.

Some courierinsurance policies can be combined with additional extra protections such asbreakdown and accident recovery and protected no-claims discounts. Couriersshould take time to think about what exactly they need covered and what sortsof premiums and excess they would be willing to pay for. For courier fleetinsurance, courier businesses can find protection that allows the owners tochange the vehicles they cover through time.

Independentcouriers operate in a wide range of areas with differing circumstances, so it’simportant to find a tailor-fit protection plan that will cover all your uniqueneeds.

What Exactly Does Courier InsuranceCover?

Like truckinsurance, courier insurance can offer a wide range of protection for couriers.A basic courier insurance policy covers damage to goods being delivered, lossof goods being delivered, and damage to a vehicle in the event that an accidenthappens during delivery, which can always happen.

Courierinsurance is frequently sold as a package with coverage that apply to yourbusiness operations. It’s important to know what is covered and what needs tobe supplemented in order to receive the best, full-scale coverage so you arefinancially protected in the event of a loss.

Morespecifically, there are a few levels of courier insurance that include:

  • Third-party only (TPO): A basic type of insurance coverage as required by the law. Third partyonly (PTO) covers third-party liabilities in case an accident happens.
  • Third party fire & theft (TPFT): This is a middle of the road-type insurance that covers liabilities aswell as fire and theft that could happen on vehicles.
  • Comprehensive courier insurance: This kind of insurance covers all basic elements, fire, theft as well asthe vehicles in question.

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 Are the Most Common Causes of Truck Breakdowns?

If you’re on a family trip and your car pops a tire, it may be unfortunate and a little stressful, but it’s a relatively easy fix. If the family van breaks down, again, very unfortunate, but a tow truck can come out. But what if it’s you’re truck that’s hauling loads of cargo and you’re in the middle of a desert highway? This is the situation all trucking professionals dread.

Sometimes, even the most seasoned truck driver may be stuck on the side of the road with a major issue. While some truck breakdowns may be caused by mechanical errors, many of the common reasons for trouble can be caught early and even prevented. Here are some ideas as to what could be causing unwanted breakdowns.

Tire Trouble

When it comes to physical issues with your truck, tires are typically considered to be the most important components of any vehicle. A simple flat really isn’t that simple and can sideline a truck for hours. Tires are the leading cause of truck problems for drivers, making up around 50 percent of all roadside failures. These failures are related to under inflation, low tread depth or misaligned axles. Always make sure to have each of your tires inspected thoroughly before you hit the road and look for those issues.

Electrical System

This mechanical part of a truck can cause some serious issues down the road—literally. This system is made up primarily of the starter motor, alternator and battery. If even just one of these components fails to function properly, your truck can’t continue on. Signs of a malfunctioning system include things like dead batteries, dim or flickering lights, unusual smells and clicking sounds when the engine starts up.

Refrigerated Trailers

These trailers are important for hauling temperature-controlled freight, such as food and medicine. When this kind of trailer breaks down, repairs are needed quickly so the load that is being hauled is not damaged, because this could turn into a major financial issue. To avoid this, it’s important to monitor the trailer during transit and look for any in-cab signals that indicate the unit is not working the way it should. To protect against loss, trucking professionals should also haul truck insurance.

Truck insurance can come in many forms including commercial truck roadside assistance, which can provide the right coverage when your semi is stuck on the side of the road for a myriad of reasons. Truck insurance will not only provide things like towing and roadside repair, but it can also provide financial protection in the event of a loss.

Brakes

Brake-related problems can lead to major accidents on the road and can involve passenger vehicles as well. A truck’s disc and drum brakes are exposed to consistent heat, pressure and friction, which means they wear down without the right maintenance.

Brake issues are usually related to things like air leaks, external corrosion and wear, and internal water contamination that causes airline freezing during the colder months.

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 Key Differences Between General Liability Insurance and Truck Liability Insurance Coverage

General liability insurance and specialized commercial truck insurance may sound like they are one and the same, or interchangeable, but there are some key differences that can be addressed to clear up confusion. The main thing to know is that a general liability policy  is not be enough to cover a trucking operation that wants to protect their company from costly bills and reputational damage.

To better understand the right option for your trucking operation, let’s go over a few key comparisons that can help you make the right coverage decision depending on your needs.

Overview

For general liability insurance, the name itself should be an indicator as to its coverage and extent. This kind of coverage pertains to very broad third-party liability coverage not related to automobiles or trucks. Protection for injuries or property damage, such as injuries sustained while on company premises, are the types of things this kind of coverage is made for.

Truck (auto) liability insurance is meant to zero-in on the use of, and third party liability for, trucks and their operations. This kind of protection is a requirement and is usually the costliest type of insurance.Truck liability insurance protects for property damage or injuries to other people as a result of truck accidents and is required by State and Federal agencies.

Policy Limits

For Commercial General Liability insurance, policy limits are usually issued at $1,000,000 per any one occurrence and $2,000,000 in aggregate for the policy for one year. Of course, higher limits can be set depending on your operation and needs.

Truck liability insurance is generally issued at limits of $750,000 per any one occurrence which is the limit set by US DoT for trucks having a GVW over 10,000 lbs. Most trucking companies are carrying $1,000,000 limits of coverage and the recent trend is to get higher limits. For those vehicles under 10,000 GVW, or not subject to Federal DOT requirements, lower limits may be obtained. Your insurance broker can verify the requirements you are subject to.

Additional Considerations

When it comes to truck liability insurance, various policy endorsements are available. Some additional coverage to keep in mind include pollution liability, Federal MCS90 and State form endorsements that extend coverage to regulatory agencies.

Additional broader forms are available where  the policy can be issued on an “any auto,” basis, or issued with Hired and/or Non-Owned Autos which further protects the trucking company from other liability they may have on vehicles they do not own.

Regardless of all the moving parts that need to be taken into consideration, consulting with your commercial truck insurance representative is always a good rule of thumb to follow to get accurate pricing and coverage options.

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 to Stay Safe When Cooking in a Truck

For long-haul trucking professionals, finding time to stop and eat can sometimes be an issue. Schedules have to be kept and sometimes sacrificing a sit-down meal may be the only option to save time. But when time does allow for a meal and a break, it’s easy to head into the truck stop or a nearby diner and go for something easy and probably unhealthy.

In fact, eating healthy on the road can be tough for truck drivers, leading to major concerns in the health field. Approximately 33% of Americans classify as overweight, but nearly 86% of the 3.2 million trucking professionals on the road fall under that category. That’s why it’s important for truck drivers to be diligent about not only what they’re eating, but how they’re preparing meals. Cooking safety on the road is important and should be practiced. Here are some ideas on how to follow that.

Healthy Eating Ideas

If you’re in a hurry on the road, setting aside time to eat healthy may be hard to come by. The lure of fast food or truck stop snacking can be strong, which can take a toll on your bank account and your health. But taking small steps to eat more consciously while on the road can make a big difference in those areas.

Have a well-stocked cab with healthy snacks to minimize the need to grab fast food on the go. When hunger settles in, healthy eating items like fruit, granola bars, nuts, and individual snack packs like peanut butter and crackers can help to keep things light and easy. If your cab has a portable refrigerator, try packing Greek yogurt, vegetables, and string cheese inside.

Cooking Safety and Storage

Fortunately, trucking professionals have plenty of options to keep food preparation safe while on the road. Mini-appliances can fit inside a sleeper cab and run off batteries. Drinks can be kept cool with a 12-V cooler during warmer months, microwaves can warm up meals, and coffee makers can be stored for early morning cups of coffee. Altogether, these items can help to cut down on costs.

For more intricate meals, slow cookers can be utilized, creating homecooked meals away from home. But while slow cooker meals can take a little more care to prepare, they can be made easily, even while behind the wheel.

Truck drivers should stay away from using a propane stove inside their cab as carbon monoxide can fill the air and cause major health problems. Also, electric frying pans can be used, but along with small grills during overnight breaks and afternoon stops.

What you have to be aware of is keeping away from open flames as well as any gases on the inside of your cab. Have the urge to grill? This can only be done outside, of course, and when you have time to make a stop and enjoy time preparing and cooking.

Insuring Drivers’ Safety

Trucking companies should enforce specific and strict safety guidelines for their employees. Truck insurance can help to protect truck companies in the event of an accident, even those including food-related injuries. While things like overeating and weight issues can’t be covered, injuries related to cooking preparation may be brought up as claims. It’s important for drivers to follow installed guidelines to ensure their safety.

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.

When Do Trucking Operations Need Occupational Accident Insurance?

Those in the trucking industry know that being safe behind the wheel may not always come by easily. There are a number of things to consider when trying to be safe—from weather conditions to other drivers to the truck itself, it’s becoming even more dangerous to get behind the wheel of a truck. According to the Federal Motor Carrier Safety Administration, more than 4,500 people lost their lives as a result of a large truck or bus accident in the United States in a 2016 study, a 5% increase from 2015.

To protect against liabilities, there are different kinds of insurance that can help to keep trucking companies safeguarded from legal issues down the road. Among these truck insurance options is occupational accident insurance. This is similar to workers’ compensation, but has some specific parts that keep it separated. Let’s look at why you’d need this kind of truck insurance.

Occupational Accident Insurance

This kind of truck insurance provides benefits similar to workers’ compensation, but is specifically designed for independent contractors/owner operators. Since independent contractors aren’t technically on the payroll as employees, trucking companies aren’t bound by law to pay for their medical, disability, death, or dismemberment benefits in the same fashion that they would have to for a hired employee. If a trucking company hires an independent contractor for a job or set of jobs and that contractor is hurt, this is when occupational accident truck insurance would step in instead of workers’ comp.

Independent contractors hurt on the job still need help paying for hospital bills and can sue a trucking company claiming they legally are deserving of compensation. This kind of coverage doesn’t automatically cover the same statutory limits that workers’ comp does, but it’s an effective alternative, in essence. Most carriers usually purchase smaller workers’ comp packages to cover hired employees and add occupational accident truck insurance policies to cover contract drivers.

Know Your State Laws

There are some states in which trucking companies are allowed to cover their workers’ comp obligations through an OCC policy and some don’t. Almost every state has their own fine details when it comes to the wording of their requirements, so it’s important for trucking companies to look into what is needed to be done.

In Texas, trucking companies can be more flexible about allowing for occupational accident insurance rather than workers’ compensation. However, in California, where workers’ compensation is largely unaffordable by typical standards, most motor carriers have to rely on state funds for coverage. Regardless of your location, it pays to be diligent about the kind of insurance that is needed to keep your operations safe against legal risks.

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.