How Truck Drivers Can Stay Protected from the Sun

Being a truck driver presents a number of risks while traveling from highway to highway. Car wrecks, loss or damage to freight, engine trouble and more are just some of the ways in which a day behind the wheel can take a turn for the worse. But one risk that isn’t discussed as thoroughly is damage to a truck driver’s skin after years on the open road.

Truck drivers literally face irreparable damage, including skin cancer, every day they get behind the wheel and head out for long hauls. Trucking companies should keep information available for their drivers and avoid liability risks related to claims of skin cancer or eye issues. Having commercial truck insurance can help protect trucking companies, but keeping drivers protected first should be the goal. It’s important to sport the signs of sun damage and make moves on limiting risk over time.

Here are some ideas on how to stay protected from the sun.

Know the Signs of Sun Damage

First, it’s important to be aware of sun damage and look out for its effects early on. Even minimal sun exposure to one side of your face can cause skin cancer to develop and cause more harm over the years. Drivers should be looking out for spider veins, skin spots, and freckles that are out of the ordinary, and check on skin texture too.

Too much sunlight causes the collagen in your skin to break down, which prevents your skin from creating new collagen to repair itself over time. Even if the side effects of sun exposure are discovered, it may be too late to take action.

Use Sunscreen Every Day

Step number one is making sure to lather up on good quality sunscreen every single day, no questions asked. It’s a simple step that drivers can do right before they take off for the day. Your windows may be able to filter out the sun’s UVB rays, but they won’t do anything to stop the more harmful UVA rays from coming in. This is why we suggest a broad-spectrum sunscreen because it offers up protection for the skin from both types of solar radiation. Start out with an SPF 30 then move up from there if need be.

Avoid Peak Hours

Between 10am and 2pm, the sun’s rays are at their strongest. While driving can’t be avoided during those hours every day, it is important to take extra care of your skin. Try to take walks and breaks during the morning and evening hours to avoid sunlight, but still remember to put on sunscreen and stay in the shade as much as possible.

Change Your Clothes

While this is a good rule of thumb anyway, changing up what you wear can be helpful in keeping sunlight away from you and damaging your skin further. A simple way to protect yourself from the sun’s harmful effects is to wear clothes that shield your skin. During the summer, try to wear long-sleeved shirts, long pants, and hats that cover face and neck.

Wear Some Shades

Eye care is just as important as skin care when it comes to sun damage. Don’t overlook eye care when it comes to this part of the job as you need to be able to see well when you’re taking care of your operations. Invest in some high-quality sunglasses that polarize the sunlight coming through and filter out the bad rays. This will help to keep visibility high while maintaining safety from the sun.

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 Biggest Reasons Why Truck Drivers Quit

The trucking industry is in the middle of big upheaval. With the advent of sophisticated technology, such as autonomous trucks and a focus on data, truck drivers are finding their roles changing at a rapid rate. In fact, the industry is already in the middle of huge changes in the turnover of trucking professionals creating the need to fill vacant and soon-to-be vacant roles.

As the older generation of truck drivers begin to retire the American Trucking Association puts the number of truck drivers needed in the next few years between 60,000 upwards of 100,000. But even without the phasing out of one generation and the boost in tech-driven trucks, the industry still sees a great deal of its drivers quit due to a number of avoidable reasons.

Here are some reasons why truck drivers tend to call it quits.

Money Issues

Pay is always a huge problem in the trucking industry. Drivers can see crazy schedules keeping them up long hours and away from home for days or even weeks at a time depending on their routes. One thing that makes this kind of life worth it is a decent wage, but some drivers find that that may not be enough. A driver can never fully tell what they’ll make week-to-week, which only adds more stress to an already stressful job.

More Time at Home

Piggybacking off the previous notes, drivers can end up being away from their loved ones for longer than they want to. While being away for a certain amount of time is in the job description, it can take a toll on a driver’s home life and road life. Trucking companies can help by accommodating home life schedules or time off requests that allow for more agreeable time off.

Lack of Insurance for Drivers

Commercial truck insurance plays a role on both sides of the coin; for both the trucker and the company they work for. Having the proper commercial truck insurance can provide the financial protection a company needs when an incident occurs on the road or a when a claim is made by a professional driver. When a company doesn’t invest properly in commercial truck insurance it may signal the driver that management is not looking out for the well-being of everyone in the operation.

Appreciation

Many drivers walk away from their job because they feel let down by management, and not appreciated enough for the grueling job they do every day. Drivers want to know what’s expected of them, to see growth in the company they work for, and how it affects their future. To address this issue, companies and leaders need to deliver on their promises and commitments. Communication is huge and should be a major component of the daily operations side of a trucking company to keep transparency and support open and fluid.

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.

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.

The Biggest Problems Facing the Trucking Industry Today

No matter the type of business, no matter the economy, there are high times and tough times for each major industry. And with the advent of smarter and more efficient technology many industries are seeing the speed of change pose new issues.

One major industry feeling the pressure of too much change, too fast, is the trucking industry. From driver shortages to more tech-based opponents, traditional trucking companies are having to change course. One step to protecting the overall future of the industry is to invest in truck insurance, and another is to invest in the actual future: drivers. Here are some ways in which the trucking industry is feeling some pain today.

1. Driver Shortage

Even with an average pay of around $80,000, many news outlets are reporting that the trucking industry is seeing a huge challenge meeting it employment needs. A driver shortage is causing trucking companies to find new ways to attract tomorrow’s drivers. This has been a concern for years in the industry and with companies like Tesla and Uber testing out self-driving trucks, traditional truck drivers are feeling like they’re being replaced.

According to ATRI research, nearly 57 percent of the trucking workforce is at least 45 years old. If this continues, the shortage will reach more than 175,000 drivers by 2026.

2. Hours of Service

Flexible hours or service rules are now more emphasized by companies for their drivers. Many of those who hold stake in the industry believe that drivers should split their hours of operation, while some stress eight hours of straight driving. Employees could get an opportunity to rest when tired and adjust their schedules to avoid everything from traffic congestion to health risks.

3. Cash Flow

Trucking fleets may see a wait time as long as 60 to 90 days to get paid by brokers and shippers. With an extended cycle, a fleet’s cash flow can be drained and growth could be limited. Accounts receivable financing turns fleets’ invoices into cash in under a day, which results in building their working capital.

4. Driver Health

Truck drivers face a number of health obstacles, especially the longer they’re behind the wheel. These drivers are twice as likely as other workers in any industry to be obese, have diabetes and not have any type of health insurance. The job is demanding, and with such stress put on it, drivers are seeing a rapid decline in health, another component of making the job less enticing to new crops of drivers. There are new initiatives in place, like Rolling Strong, which aim to invest in drivers’ health and wellness with better fitness.

5. Safety

Accidents and fatalities behind the wheel happen and have always posed a risk for drivers. But beyond these risks, drivers face overall safety at their truck stops or where ever they park their trucks. There is new sensing technology that has come out that helps trucks avoid collisions and helps reduce the number of accidents, with numbers expected to reduce in the coming years.

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.

 

 

Teens and Big Trucks: Should They Be Allowed to Drive?

Should teens be able to drive big trucks? Right now you can’t drive a rental car until 25, but you can start driving 80,000 pound trucks at 21 interstate and intrastate(in most states) at 18. If a new law passes, younger drivers may soon be able to drive heavy trucks across state borders. Proposed regulation wants to change the age limit for interstate trucking to 18, with some provisional conditions. What do you think? Will this new regulation help get more drivers on the road or is the safety risk much too great?

The Risks of Younger Drivers

Younger drivers are notorious for getting into accidents. Drivers aged 16-19 have the highest annual crash rate and that’s just behind the wheel of a car, not a heavy truck. In states where 18 year olds are allowed to drive 80,000 pound trucks, younger drivers are 4-6 times more likely then 21+ drivers to get in an accident. Safety experts worry this plan could lead to disaster on the road.

While younger drivers are more likely to get in an accident, they are already on road and driving big trucks. In most states current regulation only keeps them from crossing borders, not from driving. Proponents of the law argue that the regulation changes make sense. Right now teens can drive hundreds of miles around a state, but can’t drive 10 miles across a border.

The Benefits of Younger Drivers

There is a need for more drivers and allowing younger drivers to drive interstate could lower recruiting costs and increase the number of applicants available. With transportation costs on the rise, some hope that younger drivers could help slow the rising prices in transportation (contract costs increased 3-5% this year). The law would potentially give fresh out high school graduates more job opportunities.

The Proposed Regulation

The proposed regulation would allow the FMCSA to create a 6 year pilot program allowing younger drivers to cross state lines. The regulation would allow states to enter into agreements with each other allowing the younger drivers. States would be free to place limits on these drivers (like limiting types of cargo, limiting routes, creating hours they can drive, etc.).

The regulation has passed the Senate, but still needs approval from the House of Representatives.

What do you think about this proposed regulation? Should we allow more teen drivers on the road?

 

Beyond Truck Insurance – Great Benefits that Matter Most.

Most Important Benefits to Get With Truck Insurance

Truckers need to insure their vehicles, and for most, they simply look for the most cost-effective policy at the most reasonable price. It is vital to get good coverage, but as you are speaking with various truck insurance brokers, there are other qualities to look out for. There are numerous benefits to be gained, but you need to seek them out.

Assistance with Resolving Inaccuracies

A big component of the cost of someone’s insurance policy are prior claims and driver motor vehicle reports.  Therefore, a trucking company that has had some accidents in the past will have to pay more for the same policy as a company with a clean history. However, various government agencies make clerical errors all the time, and it is entirely possible a company that has never had a problem will have a mark on its record. When searching for a new insurance provider, it is helpful to try to find an agent who will lend a helping hand in these instances. An insurance agent will most likely have greater success convincing an outside agency to change an error.

Availability to Talk

You will find yourself in situations where you need to talk to your insurance agent and the last thing you want is to deal with someone who is hard to get a hold of. As you are reviewing different policies, pay attention to how easy it is to get in touch with someone. You may contact an agency and get put on hold for a while only to be told the agent is currently out of the office. You want an agent and agency who makes an effort to always be accessible and a live body answering the phone.

Willingness to Give Options

An insurance agent should be there to give you exactly what you need and ask for. An agent will most likely inform you of different services you could potentially benefit from, but ultimately, it comes down to what you and your company need. Always look through a proposal  yourself before making a purchase. An honest, upfront agent will tell you everything and not leave out any important details. That kind of transparency  should be a priority for you  in selecting  an agent.

Buying insurance means you are entering into a partnership, and you want to make this union as viable as possible for years to come. Pay attention to what you are truly receiving  to get the most out of it.