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Auto Insurance, Contractors Insurance, Homeowner's Insurance, Saberlines Insurance Services Blog Post, Small Business Insurance, trucking, Trucking

Could we accept robots killing people instead of people killing people?

As early as late next year, autonomous U.S. trucks could be driving solo…

A study this month from the RAND Corporation, a California-based think-tank, says introducing autonomous vehicles sooner rather than later, even before self-driving trucks are perfected, could save thousands of lives each year.

“Our work suggests that it is sensible to allow autonomous vehicles on America’s roads when they are judged to be just moderately safer than having a person behind the wheel,” said RAND’s Nidhi Kalra. She says waiting longer will kill thousands of people unnecessarily.

After each crash, the entire fleet would have its software adjusted, gradually perfecting the safety of robot vehicles. The complication is that crashes would continue to happen.

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Auto Insurance, Contractors Insurance, Homeowner's Insurance, Saberlines Insurance Services Blog Post, Small Business Insurance, trucking, Trucking

Trailer sales at a high, canceled loads based on shippers and drivers being written up for grandfathered AOBRD all within first month of ELD…

Read more about recent ELD news at Trucker.Com, a link to the article below.

http://www.trucker.com/regulations/highlighting-impact-eld-mandate-so-far-trucking

Auto Insurance, Contractors Insurance, Homeowner's Insurance, Saberlines Insurance Services Blog Post, Small Business Insurance, trucking, Trucking

General Liability Review, Looking for information on Commercial Business Insurance, Check Us Out

What is it?
Commercial General Business Liability protects a company’s assets and pays for obligations like medical costs, for example caused by you or your employees. Liability insurance also covers the cost of your legal defense and any settlement if you’ve been successfully sued. It will also cover claims of false or misleading advertising, including libel, slander, and copyright infringement. General liability insurance can also protect you against any liability as a tenant if you cause damage to a property that you rent, such as by fire or other covered loss.

Do small businesses need it?
Every Business Can benefit from General Liability Insurance. Here are some of the large list of businesses we help cover here at Saberlines Insurance Services. Restaurants/Nightclubs Dry Cleaners/Self Serve Laundromats Convenience Stores/Small Grocery Stores Condo/Homeowners Associations Hotels/Motels Daycare Centers/Schools, Educational Houses of Worship Pawn Shops Garage Service Risks Manufacturing Risks Builders Risk Shopping Centers Condominiums/Apartments Caterers/Bakeries Bowling Alleys Fraternal Orders/Clubs LRO Buildings Vacant Buildings Umbrella & Excess Liability Mercantile Packages Paper and other Contractors General Contractors & OCP Environmental Consultants/Contractors Marine Liability/Contractors, Ocean Cargo High Rise Habitation Professional Services Real Estate Temporary Staffing Agencies Media Cos. (Publishing/Advertising), TV/Radio Broadcasting …& More!

Contractors
We have the expertise in servicing the insurance needs of contractors of all types and sizes, with over 15+ years of experience. This experience enables us to obtain the best coverage at the lowest price for our clients. We can do the same for your business, we provide General Liability, Product and Completed Operations, Additional Insured with Primary Wording, Waiver of Subrogation, Property and Equipment, Tools,
Workers Comp and Surety Bonds.

General Contractors: Both Residential & Commercial. New Venture OK. Loss History or Claims OK. Artisan Contractors New venture OK.
Additional Insured’s Blanket Additional Insured’s Primary / Non Contributory Waiver of Subrogation Products/Completed Op limit

Classes We Insure
Excavation, Fencing, Flooring
Foundations, Framing, Furniture Installation
Grading, HVAC, Insulation
Janitorial, Landscaping, Masonry
Metal Erection –Decorative, Metal Erection – Structural
Painting, Plastering, Plumbing
Refrigeration, Remodeling – Commercial & Residential
Roofing – Commercial & Residential
Sandblasting, Septic tank
Install, Service & Repair, Sewer Mains & Connections
Water Mains & Connections

Auto Insurance, Contractors Insurance, Homeowner's Insurance, Saberlines Insurance Services Blog Post, Small Business Insurance, trucking, Trucking

New Progressive Insurance Pay Per Mile Truck Liability Insurance could save you 3%-18%

Smart Haul is the country’s first commercial
usage-based insurance option, brought to you
and your customers by Progressive Commercial,
the #1 Truck Insurer.
THE SAVINGS CAN BE SUBSTANTIAL
An eligible trucker can save 3 – 18% on their
Commercial Auto policy premium. We’re offering
the credit in exchange for permission to access
driving data. They see savings, It’s a win-win!
MOST TRUCKERS ARE ELIGIBLE
A trucker is eligible for the Smart Haul program if
they are using an ELD to track hours of service in a
vehicle on a Progressive Commercial Auto policy
based in most states. (Truck policies in Alaska,
California, District of Columbia, Hawaii, Iowa,
Kansas, Nebraska, New Hampshire, New York,
and Virginia are not eligible.)
http://www.saberlines.com/truck-insurance-quote
to get a quote on your truck for all your insurance needs
call today 1-866-747-4242

Auto Insurance, Contractors Insurance, Homeowner's Insurance, Saberlines Insurance Services Blog Post, Small Business Insurance, trucking, Trucking

Cargo Insurance and What we cover here at Saberlines Insurance Services.

Here at Saberlines Insurance, we understand the everyday personal insurance needs but we cant stress enough how important it is to make sure your business is fully covered.
When it comes to trucking insurance, Liability and Physical Damage, are just two of the basics that will make sure when you are on the road you and the things around you are covered from accidents but what about the damage the good you are hauling can face? What we are choosing to impress upon in this blog is how important it is to cover what you are hauling. We all hope that things run smoothly, but when it comes to an accident and things are already not going so nice we want to minimize the liability not just for the things around us or the truck itself but the business as a whole. Cargo insurance is exactly that, insurance to protect the liability that is yours when you transport the goods of others. While it isn’t required by law, often new drivers want to lower the cost of the start up by skipping the coverage all together… that is until they try and get a load and are refused based on the lack of coverage. Unless you would like to haul your own goods uncovered, no business will take that risk on you and even then most business owners get “property” to cover their goods while in transit.

  • Insurance that covers cargo up to the limit that the trucker decides he or she needs to transact business.
  • Usually includes coverage for debris caused by the cargo if it lands on the road or spills into the water.
  • Not required by the federal government, but is required to conduct business.

We recommend continuous self evaluation of cargo that is transported to insure best coverage. While we can recommend specific amounts if you are a trucker who continuously changes types of freight best method to keep constant coverage is to communicate any changes to us as soon as possible. While most policies can cover anything for a set amount, things like sea food could be excluded based on higher risk assessment, and if that is the case, hauling sea food might create a situation where miscommunication could cost even when you think you are covered. It is not just sea food some companies choose to restrict coverage on, but high cost consumer goods sometimes have certain restrictions on what is covered in your cargo insurance policy, in regards to amount of payout for theft of cargo or whether the limit is sufficient for the type of goods.

While we can cover all cargo, these things are just basics to consider when wanting to make sure your coverage is customized to your needs. Speak with the client you do your business with and figure out if they have specific needs out of the policy as well, which they usually do. Figure out what you’ll haul, figure out what you wont haul and bring all that info in to make sure you never over pay, or under covered. Here at Saberlines Insurance we have carriers that will cover hot asphalt, to frozen seafood, without restriction and the more information we can include in the policy the more we can help you with our competitive marketplace.

 

 

Auto Insurance, Contractors Insurance, Homeowner's Insurance, Saberlines Insurance Services Blog Post, Small Business Insurance, trucking, Trucking

Distracted Driving; Holding a phone could be illegal starting 2019.

http://www.spokesman.com/stories/2017/apr/20/distracted-drivers-to-face-new-penalties-in-washin/

It would make it illegal to hold a phone or other electronic device while driving a car or when stopped at a traffic light. Some exceptions include contacting emergency services, amateur radio operators or messaging from transit system dispatch services.

This will make it difficult for truckers or NEMT operators to use location based apps to communicate with dispatchers, while they may be the exception to the rule, this looks like a whole lot of trouble coming. This and ELD mandate, safety seems to have its price as well.

 

Auto Insurance, Contractors Insurance, Homeowner's Insurance, Saberlines Insurance Services Blog Post, Small Business Insurance, trucking, Trucking

Do I need a tanker endorsement?

Since  March 2015 all states are on board and even if you’re driving a dry van in these circumstances endorsements are necessary.

https://trinitylogistics.com/blog/new-tanker-endorsement-regulations-are-you-driving-illegally/

Do I need a tanker endorsement?

The Federal Motor Carrier Safety Administration (FMCSA) has rolled out a new regulation meant to keep the roads safe from commercial drivers carrying large amounts of liquid or gaseous freight without the proper training. In order to do this, the FMCSA changed the definition of a “tanker,” which, in turn, has changed the requirements for which drivers are required to hold a “tanker endorsement” on their CDL.  This change means that even those who are driving dry vans, reefers, flatbeds, and box trucks will be required to hold the endorsement if they meet the requirements below. If the following conditions occur, you are responsible for obtaining a tanker endorsement on your CDL:

  1. Your cargo includes liquid or gaseous individual containers larger than 119 gallon capacity.
  2. The containers are loaded, and not empty.
  3. The total combined volume in those containers exceeds 1,000 gallons.

What are the consequences of not abiding by the law?

If commercial drivers are found to be driving without the proper tanker endorsement (if their load meets the regulation requirements) they can be charged a civil penalty of up to $5,000 per instance, as well as possible license suspension for up to 90 days, according to the FMCSA Section 383.53. In other words, this regulation should not be taken lightly. If you don’t follow the law, your job could be on the line.

Auto Insurance, Contractors Insurance, Homeowner's Insurance, Saberlines Insurance Services Blog Post, Small Business Insurance, trucking, Trucking

Paid CDL training!

Trucking Truth Paid CDL Link

Here at Saberlines Insurance Services, we try and bring you what you need to be successful. Whether it is the right coverage or the right information, and this here seems like a good way to start your career as a commercial truck driver.

The link above will go to a application portal that will apply to several companies that provide company sponsored CDL training. Go there for more information on the companies and find out more through the requiters Trucking Truth is offering to put you in touch with.

Information about Private and Company Sponsored CDL training

If you need more information about the difference between private and company sponsored CDL training please go to the blog linked above.

Here are some excerpts from the blog to get you the information that we find most important.

What Is Paid CDL Training?

Paid CDL training, also known as company-sponsored CDL training, refers to truck driving schools which are owned and operated by trucking companies. These trucking companies will sponsor a student’s CDL training by paying for the up front costs of the training and paying the student during some or all of the training process.

In return for this sponsorship the student will sign a contract agreeing to work for the trucking company for a specified amount of time, normally between eight months and one year.

Some of the paid cdl training companies will require you to pay back the tuition during the contract period, others will not. Each program has their own unique setup so you’ll want to do some research and explore the different offerings from each company.

We have a complete list of Paid CDL Training Program Reviews so check those out if you decide to go this route.

Free Truck Driving Schools

What Is Private CDL Training?

Private CDL training is a truck driving school that is owned and operated independently of any trucking companies. These are often family owned schools or they are offered by a community college.

Private CDL training must be paid for by the student up front. Upon graduation the student is free to go to work for any trucking company that is willing to hire them. They will not be under contract or have any restrictions on where they go to work.

Auto Insurance, Contractors Insurance, Homeowner's Insurance, Saberlines Insurance Services Blog Post, Small Business Insurance, trucking, Trucking

When does a business need general liability insurance?

An excerpt from SBA on what general liability actually is. SBA.gov

What is General Liability Insurance?

Liability insurance (also known as Commercial General Business Liability) protects a company’s assets and pays for obligations – medical costs, for example –incurred if someone gets hurt on your property or when there are property damages or injuries caused by you or your employees. Liability insurance also covers the cost of your legal defense and any settlement or award should you be successfully sued.  Typically these include compensatory damages, nonmonetary losses suffered by the injured party, and punitive damages.

General liability insurance can also protect you against any liability as a tenant if you cause damage to a property that you rent, such as by fire or other covered loss.

Finally, it can also cover claims of false or misleading advertising, including libel, slander, and copyright infringement.

Continue reading “When does a business need general liability insurance?”

Auto Insurance, Contractors Insurance, Homeowner's Insurance, Saberlines Insurance Services Blog Post, Small Business Insurance, trucking, Trucking

Representative Brain Babin Requesting Executive Order hoping for delay of ELD mandate.

“Millions of hard working American truckers, farmers and small businesses need you to take immediate and decisive action to protect them from a massive new regulation that is scheduled to go into effect just 39 days from today.  I am writing on their behalf with a plan to help you do just that,” the letter states.  “Accordingly, I respectfully request that you issue an Executive Order as soon as possible, instructing the Secretary of Transportation to provide an immediate waiver for all trucking sectors and operations subject to this mandate, until such time as it can be certified that implementation will not cause economic or other harm to the millions who are subject to it.”

READ THE FULL LETTER HERE:

https://babin.house.gov/news/documentsingle.aspx?DocumentID=1591

Auto Insurance, Contractors Insurance, Homeowner's Insurance, Saberlines Insurance Services Blog Post, Small Business Insurance, trucking, Trucking

Choosing the right truck driving school is the first step toward starting a great new career.

5 Things To Look For In A Truck Driving School

  1. Quality of Training: A new driver’s skills are only as good as the training received. Look for a state-licensed program that combines classroom knowledge with hands-on experience learned on the range and road.
  2. Job Opportunity: What good is a CDL if you can’t make any money with it? The best truck driving schools provide assistance in finding a great paying job opportunity once CDL training is complete. 
  3. Cost of Training: Paying for truck driving school out of pocket isn’t an option for most people. Find a program that offers a CDL training sponsorship which allows new drivers to get started with little to no upfront tuition costs. 
  4. Length of School: Steer clear of schools that promise a CDL in a week or so.  Learning to drive an 80,000 lbs tractor-trailer takes some time. Reputable truck driving schools usually last around 3-4 weeks.
  5. School Location: Keep in mind that the best truck driving school may not be just down the road.  In fact, the cheapest, closest and most convenient school isn’t always the best option. If that’s the case, just think of traveling to school as the first road trip on the journey to becoming a truck driver.    

Check out for the complete article;

https://greatcdltraining.com/cdl-training/choosing-trucking-school

 

Auto Insurance, Contractors Insurance, Homeowner's Insurance, Saberlines Insurance Services Blog Post, Small Business Insurance, trucking, Trucking

Guidance on Emission tampering at UTA Convention

A few years ago I dove into our industry’s rabbit hole to Wonderland with a five-part special report on the hazards of emissions tampering for commercial truck dealers.

It was an eye-opening topic to research and report on, and after completing the article I was contacted by multiple industry groups to report my findings and what I had learned.

One of those groups was the Used Truck Association (UTA), and in 2014 I made my first trip to the UTA annual convention to provide a brief update to our industry on the legal risks and liability for commercial dealers when encountering emissions tampering.

I provided several questions and answered a lot of questions that week, but in a few cases I do remember questions being posed where I was forced to defer to the people in charge, the U.S. Environmental Protection Agency (EPA).

“You’d have to confirm that with the EPA,” I remember saying.

On Thursday, the UTA did just that, welcoming Evan Belser of the EPA’s Vehicle and Engine Enforcement Branch to speak at the organization’s 2017 annual convention in Las Vegas.

Related

 

UTA Convention workshop tackles networking

It’s easy to look at a networking session at an industry event as the time when the food comes out. When the drinks are free. But …

During a brief presentation and maybe the most active Q&A I’ve ever experienced at a truck show, Belzer provided a ton of useful (and updated) information to the dealer market.

Some key takeaways were:

  • The fines are going up. Since writing my special report the max fine for an OEM or dealer is now $45,268 per violative vehicle or engine. Individual and vehicle owner rates have risen accordingly.
  • Dealers will not be fined by the Federal government for selling a tampered vehicle. This is a big one. If a dealer accepts a truck on trade and uncovers it to be tampered with, there is no Federal rule that prohibits that vehicle being turned around and sold. That said, the lack of a Federal law doesn’t prohibit states from fining such a sale, and Belser mentions Texas in particular as a state where dealers will be fined for selling a tampered truck.
  • You cannot uninstall emission systems to export a vehicle. Belzer says removing emission systems is illegal regardless of where the truck will be driven, so even if you have a customer in Mexico who wants the truck without the emission systems, it is illegal for you to uninstall them before moving the truck.
  • You can alter an after treatment and emission component when there is a ‘reasonable basis’ to believe your actions do not increase emissions. Belser uses recalibrating an ECM as an example. If the emission system performance is unchanged or not reduced, changes are allowed under Federal law.
  • You will not be fined for servicing a tampered vehicle if you aren’t servicing the engine or after treatment system. It is once you start service in those areas, you are required to bring the unit to compliance.
  • Maybe most important, the EPA isn’t out to get YOU. Belser says the goal is to identify manufacturers and suppliers of tampering and defeat device programs. The organization has the ability to fine dealers if need be, but its overall goal is to ensure all vehicles are in compliance, and eliminating suppliers building products that lead to non-compliance.

 

https://www.successfuldealer.com/epa-representatives-provide-guidance-on-emission-tampering-at-uta-convention/

Auto Insurance, Contractors Insurance, Homeowner's Insurance, Saberlines Insurance Services Blog Post, Small Business Insurance, trucking, Trucking

10 Ways to Affordable Commercial Truck Insurance

Regardless of  how good your driving record is or the fact that you haven’t filed any insurance claims, about once per year you go through the never-ending cycle of seeing your trucking insurance premiums increase.  While many of the reasons for insurance premium increases are out of your hands, there are some things you can do to improve the chances that your trucker insurance increases don’t outpace your ability to pay.

1) Police your driving record — The cost of your semi truck insurance is directly tied to your driving record.  While you might like getting out into the hammer lane and flying past all the other slow-pokes on the road, tickets (and increased risk of accidents) often follow.  Your driving record is critical to keeping your truck driver insurance premiums in check, so avoid tickets like the plague.  If you get one, do your best to minimize its impact.  Since it has gotten much more difficult to make tickets “disappear” with the help of a good lawyer, your best bet is to slow down and avoid getting them in the first place.

2) Protect your credit — What does your credit have to do with your insurance rates?  Plenty.  Many insurance companies have begun assigning risk scores to their customers and potential customers based upon a variety of factors, including age, marital status, and credit scores.  You may disagree with the policy, but insurance companies argue that customers with lower credit scores also tend to be less careful drivers.  Some states don’t allow this practice, but many do.  If yours does, simply paying your bills on-time can help you to save money on your truck insurance.

3) Lease onto a large carrier or seek association rates — While you may prefer the independence of having your own authority and making all of your own business decisions, there is a benefit to leasing on with a large carrier.  Many times, they can pass along substantial savings on your truck insurance premiums.  Whether you want to  give up some of your independence and control over many other aspects of your business is up to you — but it remains one option for reducing your commercial trucking insurance premiums.  Another is to join a large trucking association that offers their members access to group or association rates as a membership perk.  You’ll have to weigh the pros and cons of group membership to see if the cost of membership is worth the amount you can save on insurance premiums.

4) Stay Out of the Ditch — It may go without saying, but the amount you pay for your trucking insurance coverage is directly related to the number and the seriousness of any claims filed.  Instead of hoping against hope that your trucking insurance premiums remain low, take proactive steps to avoid accidents.  Speeding, tailgating, and driving recklessly are all factors in the increased risk of accidents.  In addition, pushing your physical limits to the breaking point can result in unnecessary accidents — or death and injury to yourself or others.  So slow down, put the cell phone away, and pay attention to what you — and the  “idiots” on the road are doing.

5) Be careful who you put behind the wheel — Overall driving experience can have a dramatic impact on truckers insurance premiums, so if you have a hired co-driver with a poor driving record or limited experience, you will pay more for insurance.  By holding out for a good, experienced driver, you can save money on your insurance and rest assured that the person responsible for keeping your investment safe and secure is up to the task.

6) Follow the rules — As an owner/operator, you’re all-too-familiar with D.O.T. roadside inspections, compliance checks, and safety audits.  What you may not know is that trucking insurance companies routinely pull your safety data when determining how much you’ll pay for truck insurance.  One of the perks of compliance is spending less money on fines and other administrative sanctions.  Another is paying less for your insurance.

7) Have a written safety policy — Written safety policies — detailing how you handle accidents, drug & substance abuse, and other safety-sensitive issues — might seem like a waste of time to an independent owner/operator who just wants to drive for a living, mind his or her business, and get home safely, but they can be a key to unlocking lower truck liability insurance premiums.  Truck insurance companies are interested in reducing risk, and they know that customers that will take the time to think about safety policies — and write them down — are much more likely to follow them, so many insurance companies will reward you with lower insurance premiums if you do.

While these strategies can help to keep your premiums in check, there are also other things you can do to reduce your insurance premiums.  Some of these will only save you a few dollars per month, but others can save you much more.  Collectively, substantial savings can help you to exercise some control over how big a bite your insurance premiums take out of the “pie” that is your budget. These strategies can also be applied to tow truck insurance or dump truck insurance.

8] Reduce premium frequency — Money is tight for the average owner/operator, but if there is any way you can possibly do it, reduce the frequency with which you pay your tractor trailer insurance premiums.  Call your insurance company and ask how much you can save by paying premiums quarterly, every six months, or even once per year.  Most will offer a discount and some will save you quite a bit of money.

9) Increase insurance deductibles — the amount of an insurance claim that you have to pay before your insurance policy kicks in — are tied to your trucker insurance premiums.  By sharing in some of this risk with your insurance company you can reduce your premiums.

10) Competitively bid your insurance — You may love the service that your insurance company gives you when you call in with a question, but that service can come with a price.  By competitively bidding your commercial truck insurance quotes annually you can keep tabs on what other insurance companies are charging for the same coverage.  If you find a lower rate, let your company know what you’ve found and ask them to match it.  All won’t, but many will.  If they won’t, you’ll have to decide whether or not you want to jump ship in search of lower premiums.

Individually, the measures listed above won’t necessarily save you a lot on your insurance premiums.  However, collectively they can be a substantial amount of money that can reduce the amount you give to your insurance company.  If it’s going to be in anyone’s pocket, it might as well be yours.  As an owner/operator there are plenty of places you can spend it.  Why give it to an insurance company when your need is so much greater than theirs?

https://www.thetruckersreport.com/insurance-savings-article/

By Samuel Barradas.

Auto Insurance, Contractors Insurance, Homeowner's Insurance, Saberlines Insurance Services Blog Post, Small Business Insurance, trucking, Trucking

ELD Mandate, 46 Days left, PROGRESSIVE offers free ELD service to their drivers

WHAT IS THE ELD MANDATE?

Although by now most people understand what the ELD mandate is and what it requires of them, it is still a good idea to explain for those who are not entirely familiar with its nitty gritty details.

As mentioned earlier, ELD mandate is being pushed by the FMCSA (Federal Motor Carrier Safety Administration).

The FMCSA works in conjunction with the U.S. Department of Transportation (DoT), and its primary goal is to improve road safety and reduce the number of accidents that happen throughout the United States.

How will the ELD mandate help with improving road safety?

You see, driver fatigue is believed to be the biggest cause of road accidents. Recently, doctors also confirmed driver fatigue to be the chief reason for vehicle crashes.

The FMCSA already has certain Hours of Service (HOS) rules and regulations that limit how many hours a driver can drive in a day. However, the problem is that Hours of Service are recorded with paper logs and, therefore, can be easily manipulated and falsified.

As a result, many drivers, either willingly or unwillingly after being coerced by fleet managers, end up driving more than they are supposed to drive. They breach their Hours of Service limits, drive more hours in a day, and get tired. All of which eventually increase the probability of road accidents.

According to the ELD mandate, most commercial motor vehicles need to be equipped with electronic logging devices.

These ELDs will eliminate paper logs and record driver duty statuses and HOS information automatically. Moreover, ELDs are supposed to be tamper-resistant, so the recorded information cannot be altered by anyone.
(Excerpt from Keep Truckin)

Insured by Progressive? Come in to Saberlines Insurance and fill a form to get your ELD cost covered by them!

Saberlines A Progressive Insurance Agent

Keep Truckin ELD System

Auto Insurance, Contractors Insurance, Homeowner's Insurance, Saberlines Insurance Services Blog Post, Small Business Insurance, trucking, Trucking

What Is An Insurance Binder?

An insurance binder is a temporary issuance of proof of insurance that will “bind” or cover you temporarily until a formal policy is issued.The binder gives the dealer the opportunity to do more business by having the ability to roll the car now instead of waiting for the customer to shop for insurance.

WHO NEEDS A BINDER?
Auto dealers require buyers to have proof of insurance, since the vehicle is removed from their liability when you become the new owner. If you have an automobile loan, the lien holder requires coverage so its interest is protected. You would not want to wait a week to 10 days for a policy before you drive your new car home. We can give you a written binder making it legal to drive your car home. The binder also satisfies the insurance requirements of CA Department of Motor Vehicles.

AUTO DEALER’S SPECIAL
This promotion is for Auto Dealers,when the vehicles are financed by a third party which requires a Physical Damage coverage before the buyer can drive the vehicle ofF the lot.

Auto Insurance, Contractors Insurance, Homeowner's Insurance, Saberlines Insurance Services Blog Post, Small Business Insurance, trucking, Trucking

What Insurance Coverage Truckers need?

You spend lots of money on your trucking business, which means you want to be sure it’s protected. After all, your articulated vehicle is your sustenance- Saberlines Insurance coverage created specifically for Truckers which is very essential. Truck Insurance Service thorough Saberlines is not going to safeguard your business only but it also provides the protection you will need. It offers the best prices in the market, assistance 24 hours a day and 7 days a week, exceptional services, too.

AVAILABLE COVERAGE:

  • Commercial Automobile/ Truck Liability: At Saberlines, we offer more than your fundamental industrial Truck Insurance. We provide inexpensive protection for many commercial truck as well as tractor trailer combinations. Liability insurance coverage is really an obligatory insurance coverage which will pays for a damage triggers to the people or their property.
  • Physical Damage and /or Cargo: To ensure you have the best safety for your Truck whenever you are on the road, opt for Physical Damage Coverage. It will pay for the maintenance for your vehicle whether it’s harmed in an accident; it is caused by a crash with other automobile or perhaps a dropping tree branch. It also pays for the damages to cargo you are having.

Other than the basic coverage like Liability and Physical Damage, Saberlines have more advance options like Excess Auto, Garage keepers Liability, Health Insurance etc.

If you are confused and not sure about the policy you should take for your vehicle then contact us by a call or email.

Auto Insurance, Contractors Insurance, Homeowner's Insurance, Saberlines Insurance Services Blog Post, Small Business Insurance, trucking, Trucking

What Is a Homeowner’s Or Fire Binder?

A homeowners or fire insurance “Hazard” binder assures your lender or mortgage holder that there is insurance on the home in case it is damaged or destroyed by fire or other disaster situations. Most lenders require that the insured amount is equal to the amount of your loan or at least equal to the Replacement cost of the property.

We offer Replacement Cost Guaranteed or up to 150% of Estimated Replacement Cost, Mortgage Endorsement BFU438. Including Flood and Earthquake if needed.

COVERAGES
  • Commercial Property
  • Difference In Conditions/Earthquake (Commercial Only)
  • Excess Property
  • Inland Marine/Cargo
  • Primary/Loss Limit
  • Program Business
COMMERCIAL PROPERTY
  • Basic, Broad and Special Form
  • Actual Cash Value or Replacement Cost
Auto Insurance, Contractors Insurance, Homeowner's Insurance, Saberlines Insurance Services Blog Post, Small Business Insurance, trucking, Trucking

What Insurance Coverage Contractors need?

Artisan contractors, also referred to as casual contractors consist of numerous occupations which include skilled work with tools in the customer’s property. Plumber, electrician, handyman, painter, roofer are some of them. Special Insurance Coverage required by this group consist of protection of equipment and tools as well which are frequently relocated.
Saberlines Insurance focuses on offering General Liability Insurance along with other insurance coverage essential to Contractors such as builders risk insurance coverage and insurance coverage for tools and equipment. California Companies Insurance coverage can be quite complicated sometimes, but our experienced agents are right here to help you out with the procedure in choosing the right plan at right budget.

CONTRACTORS INSURANCE COVERAGE IN CALIFORNIA

  • General Liability Insurance: This particular insurance coverage will certainly safeguard you from the majority of claims that would occur from daily activities. This consists of the experience associated within job and mishaps that would happen at a workplace.
  • Tools and Equipment: Equipment Insurance coverage will certainly protect your bigger equipment and tools for example welders, power generators, and toenail weapons along with other costly transportable tools.
  • Workers’ Compensation: Contractors are responsible for offering this particular protection with regard to workers however could also possess the publicity due to subcontractors that have not really supplied workers’ payment insurance coverage for his or her workers.

Our agents can help you within almost all facets of your General Liability Insurance to provide you the best plan accessible and we have the contractor’s professionals to comprehend your risks as well as create insurance coverage methods to suit your industry’s requirements. Therefore, get in touch with Saberlines Insurance right now in order to talk with one of our reliable agents about your California General Liability Insuranceand find out more about your Contractors Insurance in CA.

Auto Insurance, commercial auto, Contractors Insurance, general insurance, general liability, Homeowner's Insurance, Small Business Insurance, trucking, Trucking

P&C Insurance Premiums Steadily Rising in 2018…

https://www.insurancejournal.com/news/national/2017/11/06/470536.htm

As losses occurred heavily in 2017 in the area of P&C coverage, Insurance premiums are bound for increases as the companies try to get a hold of major loss impacts.

Underwriters are feeling tremendous pressure to make up for these impacts, as this will make the market uneasy but is unavoidable buyers are encouraged to start cataloging positive differentiators of their risk… which isnt a bad idea as mentioned in the Insurance Journal article above.

How will these increases change the way your business is operating?

Is it time to shop around your insurance policy? or time to study it and make sure your not paying too much by being over insured?

commercial auto, Contractors Insurance, general insurance, general liability, Homeowner's Insurance, Saberlines Insurance Services Blog Post

Business Insurance rates are up 2% this quarter…

http://www.businessinsurance.com/article/20180406/NEWS06/912320418/Propertycasualty-insurance-rates-up-in-first-quarter-MarketScout

 

The trend of claims in transportation has it gaining the more significant rate increase.

Business insurance trend of increased rates for specific types.

Year after year increased with workers compensation seeing a 2% decrease.

Read the article listed above for more information.

Business Insurance

http://www.saberlines.com

Transportation Insurance (Trucking or other Commercial Vehicles)

http://www.truckinginsurancecal.com

Auto Insurance, commercial auto, Contractors Insurance, general insurance, general liability, Homeowner's Insurance, Small Business Insurance, trucking, Trucking

In the world of trucking and more…

https://www.wsj.com/articles/todays-top-supply-chain-and-logistics-news-from-wsj-1522838550

As China and the United States go back and forth it is looking like the start of a feud as these two power houses nudge the other into increasing tariffs on goods.

Trucking recruitment is not where it needs to be, and as freight shipment is in a strong demand, things could get worse but they are bound to get better for truckers.

and emission rules creating an not leveled operating ground for the world economy as countries rules vary…

Three pieces to the puzzle showing great growth in the economy and with resolutions to these issues will lead to a better flow globally.

Read the Wall Street Journals article linked above to find out more.

commercial auto, general insurance, general liability, Saberlines Insurance Services Blog Post, Small Business Insurance, Trucking

Truckers fighting Trump about changes…

https://www.wired.com/story/trump-truckers-hours-service-electronic-logging-device/

It was odd seeing all these rules take effect from the point of idea to implementation but is it okay to focus on fighting back?

The regulation seems to create safety on the road more than inhibit the driver from making good money, in reality it might just be the push in the right direction so drivers dont have to risk their safety or the safety of others on the road.

 

  1. ELDs take away time wasting paperwork and allow for more balanced time off.
  2. With regulation in one area of industry it usually creates ripples to better other parts of it, like truckers pay.
  3. Having more transparency will insure the right kind of economic stimulation and less focus on the wrong kinds.

Those three are just some points to consider but there is a lot more to consider about the obvious improvements these devices and rules will make.