Trucking Insurance and Collision Insurance Coverage

Just like the comprehensive insurance policy, this also falls under the physical damage insurance. It covers risks as a result of collision with objects or vehicles. In addition to that, you will get compensated due to loss suffered when your vehicle rolls or overturns. Accidents due to collision are very common in our roads. This insurance policy is important to protect you from any financial loss. Vehicles involved in such accidents have the tendency to demand for high costs that come with repairs and replacement. Some vehicles are completely written off as a result of such damage. Fortunately, there is a way through which you can avoid such financial loss. You can transfer the liability of repair and replacement of the damaged parts to your insurance company. This is achieved when you take out the collision insurance policy.

Safepro understands that these repair and replacement costs for your vehicle are hard to meet. It is for this reason that it offers the best collision insurance policy for your vehicle. With this type of insurance policy, the condition of your vehicle is fully covered against any damage as a result of collision. If your vehicle has been completely written off, due to collision with an object or another vehicle, you will be compensated by your insurance agency. On the other hand, they will cater for all the repair and replacement costs that have resulted to the damage of your vehicle. It should be noted that, collision insurance policy is for everyone who owns a car. In case you lease your vehicle, you need to ensure that it is covered against risks due to collision. This will go a long way in making sure that you are not financially affected when such risks occur.

It is advisable that you take a collision insurance cover together with the comprehensive insurance policy. This is will ensure that your vehicle is fully covered against risks of collision and non collision risks. The two insurance polices complement each other in ensuring the safety of your vehicle. It can also be taken with fire and theft insurance policy, which is limited to cover damages as a result of fire and theft of your vehicle. It is specially meant for heavy vehicles as they do not qualify for the comprehensive insurance coverage in some states. You should therefore seek advice from your insurance company before deciding on the best insurance cover to take out for the risks due to damage of your vehicle.

It is a requirement to quote on a deductible when you take out this type of insurance policy, just like in the case of a comprehensive insurance. This is the amount you will be willing to pay once your vehicle is involved in an accident. The higher the deductible you pay, the lower the premiums. However, you need to balance between the deductibles you choose to pay with the premiums. You should quote deductibles that will be easy to pay whenever the time comes. On the other hand, you should not set to pay high premiums as this might be a burden on your part.

Truckers General liability Insurance and Truckers Auto Liability Insurance

This type of insurance policy is comprehensive in terms of the risks it covers. It covers risks associated with both damage of property and injuries. It is a general liability insurance policy that fully covers all the risks involved. Trucks can lead to property damage when involved in collision or any other type of accident. In that case, this insurance policy will cover the loss due to damage on your vehicle or third party property. On the other hand, people might sustain injuries as a result of the accident. In such a situation the truckers general liability insurance will take all the costs associated with this.

Depending on the type of business you have ventured into, this insurance policy carries with it some other additional coverage. They include pollution, professional issues and environmental coverage. For a pollution cover, you might be involved in the transportation of chemicals and other non environmental friendly materials. This insurance policy can come in handy in ensuring that you do not suffer a massive financial loss. Goods like petroleum products can pollute the environment to a great extent in case of an accident. In that case, you will be liable for expenses incurred in trying to clean the polluted environment. This can be costly depending on the extent of the damage experienced. The truckers general liability insurance cover is thus a must have for such truckers.

Trucking business involves transportation of cargo from one region to the other. For those individuals who deal with fuel tankers, it is advisable that they take out the pollution insurance cover. This will go a long way in ensuring that any losses due to pollution are dealt with. In addition to that, property damage may be experienced in case of fire. The general liability insurance will help cover such risks that are common among businesses. It is thus the ideal insurance cover for businesses in general. For businesses involved in custom house businesses and freight forwarders, a professional liability cover is the best insurance policy to take out.

Risks are in every type of business. However, there are risks that are too costly when they happen. These are the types of risks that you need to take an insurance cover against. At Safepro, we understand the major risks that affect different types of businesses. With our many years of experience in offering a variety of insurance services to businesses, we are certainly the best in what we do. In that case, you should consult your insurance broker on the best insurance policy for your business. Different businesses have different risks that threaten your business financially. In that case, knowing which insurance policies to take out will help you to deal with such risks.

The truckers general liability insurance has many options in terms of coverage. You should thus go through the terms and policies of your insurer before taking out the insurance policy. The general liability insurance is meant for any one in the transport business. The value of the policy will depend on the magnitude of the risks to be covered in the insurance policy. All in all, take out an insurance policy that accommodates the interests of your business.

Truckers Insurance Comprehensive Insurance Policy

Your trucks are just as important as the cargo they transport. Without these trucks, your business operations will not run effectively. In that case, you need to insure any type of risk that can cause damage to your trucks. This is where the truck comprehensive insurance policy comes in. It falls under the physical damage insurance policy. Under this type of insurance policy also lies the fire and theft insurance cover and collision insurance policy. The truck comprehensive insurance policy will cover all the risks that can lead to physical damage of your truck, apart from damage due to collision with an object or another vehicle.

This means that, you can file for compensation due to damage caused by fire, vandalism, collision with animals or people, glass breaking due to robbery and damage due to windstorms, among other damages not caused by collision. Trucks are involved in all types of accidents. A good trucking business will take out this type of insurance policy for its trucks. This will help cover future financial losses due to damage of the vehicle. Maintenance costs, as a result of repairs and replacement of the damaged parts, can be too much especially when frequent. This calls for a comprehensive insurance policy for your trucks. Safepro provides this insurance policy to its clients. In addition to that, you will get consultation services for additional insurance policy to take out so that you can have full coverage for your trucks.

Sustainability of your trucking business is dependent on the condition of your trucks. They have to be in good condition so as to be ready in the transportation of goods from one region to another. On the road or any other transport means, there are numerous perils that will threaten to cause damage to your vehicle. These perils are difficult, if not impossible to avoid. In that case, you need an insurance policy that will guarantee that in case these risks occur, you will be able to file for compensation from your respective insurance company. The importance of this type of insurance coverage is that it transfers the liability of such damage on your truck, to the insurance company.

The great thing about the comprehensive insurance policy is that, it is not only limited to trucks, but also applies to everyone who owns a vehicle. If you have leased your vehicle to another person, you need to make sure that you have taken out this type of insurance policy. This will cover all the risks that can cause damage to your vehicle apart from damage due to collision. However, if the vehicle is fully paid for, you can choose not to take out this insurance policy. Different states have different laws concerning the comprehensive insurance cover. Due to this, you need to consult your insurance agency for information on vehicles that qualify for this type of coverage. Heavy duty trucks that do not qualify for comprehensive insurance can opt for fire and theft insurance cover. This is a combined insurance package that is also comprehensive but limited to damages caused by fire and theft.

Restaurant Insurance Coverage

When operating a restaurant so many things can occur that can bring your business down, we have a solution for all the misfortunes that can lead to this coming down to your restaurant. We at Safepro offer a hospitality and restaurant insurance package. This restaurant insurance covers the property of the restaurant. You do not have to worry about outside catering because this policy included buildings, content and even outdoor signs.

Restaurants have a high risk of loss of income which ties the owner to the cash box and limits them from doing other businesses. The restaurant insurance saves you all that stay and covers you for loss of income so that you can be at ease. In a situation where an employee gets ill in the line of duty, and the worker needs urgent treatment, this may lead to a major law suit against the restaurant to cover the medical bill. With restaurant insurance cover, you will be able to pay these bills without affecting your financial status in any way.

In a situation where an employee needs compensation in case of an illness in the line of duty to a point where he or she is unable to work or  in case of death, you only have to contact Safepro to settle the debt.. A restaurant has many risks associated with workers because they are working with dangerous tools, machines and fire. In case a worker suffers such incidents and is covered by the restaurant insurance from Safepro, you do not have to worry about them suing you.

A restaurant may go bankrupt due to losses or any other incidents which may lead to receivership by the debtors. The restaurant insurance cover offers account receivable cover which will help your restaurant from being put under receivership. Many people like restaurants that sell liquor so that they can enjoy as their families do other things in the restaurant. You do not have to be afraid to sell liquor due to the accidents and incidents that come with it. You do not have to worry about the losses and damages that come with the sale of liquor as you have restaurant insurance cover. We cover liquor liability, which covers all the calamities that happens due to the sale of liquor. This means that your restaurant business will be covered against loss due to the occurrence of such risks.

The restaurant insurance also involves bodily harm and property damage. This is in case one is injured in the line of business. It will compensate the person and also the property damaged in the business. It also offers personal and advertising injury. In this case there may be a promotion being conducted on behalf of the restaurant. If it has the restaurant insurance cover and that loss has been suffered due to this, this insurance policy will have you covered. With all these benefits from restaurant insurance from Safepro, all your restaurant problems will be solved accordingly. This implies that your business will run smoothly in the long run.

Truck Insurance and Uninsured Motorists coverage

This insurance policy is specially designed to cover risks when you get involved in an accident with an individual who is not insured. In addition to that, it covers damage or bodily harm when you are involved in such an accident with a person who is not sufficiently covered. Not everyone posses an insurance policy to cover the damage or injury as a result of an accident. Uninsured motorist insurance cover will thus be applicable in case the occurrence of such risks is experienced.  There are a number of options that come with this type of insurance policy. At Safepro, we offer such services to cover risks due to the uninsured motorist. We also offer advice to our clients on the best option to take out from the insurance policy.

The terms and conditions of the uninsured motorist insurance policy differ from state to state. This means that, you should be aware of such differences before taking out this type of insurance cover. They differ in terms of the limits of coverage, requirements when taking out the insurance cover and options available in terms of coverage. Our agents are readily available and licensed to conduct such businesses. They will thus guide you on the best options of coverage to take out for your business. With that in mind, your business, on the part of coverage, is in good hands.

In general, the uninsured motorist insurance cover is broken down into three other independent policies. There is the uninsured motorist cover, underinsured motorist insurance policy and the uninsured motorist property damage insurance. Uninsured motorist policy covers injury caused to the uninsured persons involved in an accident. It compensates persons that have suffered bodily harm due to the accident. This applies when the driver of the vehicle involved in an accident is not insured. In addition to that, this policy covers injuries and damage caused to your passengers and yourself.  It thus covers any medical bills due to such an accident, loss of wage while at work and suffering due to such injuries.

Uninsured motorist property damage insurance covers risks of damage of properties by an insured driver. Hit and run accidents are common in most states. This can be costly especially when you do not have the right insurance cover to take care of expenses that comes with such an accident. It might be difficult and time consuming to track down the other culprit involved in a hit and run. It is thus advisable to have uninsured motorist property damage insurance cover. It covers losses due to property damage, which include personal property damage and your vehicle. It should also be noted that this option is not available in all the states. The scope of the insurance policy also differs with each state.

Underinsured motorist insurance coverage covers risks caused by a driver who is insufficiently insured. This means that, the insurance cover that the driver has taken out is unable to compensate for the loss suffered. It covers medical bills, suffering and wage loss. Any one with a vehicle can take out the uninsured motorist insurance cover.

Hazardous Cargo Liability Insurance

This involves coverage of risks due to loss suffered by the third party. Pollution by hazardous materials is common among transporters. It is thus advisable to take out the pollution and hazardous cargo liability insurance cover. Safepro offers this type of insurance service to truckers. For individuals and companies in the trucking business, where they transport hazardous materials from state to state or within the state, it is important that they cover such risks. Pollution of the environment by the materials can result to a great environmental degradation. It is the responsibility of the owner of the business to cover the costs due to this. This can be hefty depending on the extent to which the environment has been polluted. However, with pollution and hazardous cargo liability coverage, you will be able to afford the cost.

Truckers haul anything from petroleum products, chemicals and other non environmental friendly materials. Oil spills have been experienced due to accidents on the roads. Accidents can however not be avoided, but they can be dealt with as they happen. Clearing oil spills from the land or sea can be costly on your part as the contractor. Therefore, there is need to have a pollution and hazardous cargo coverage. Transportation of hazardous materials might have a huge negative impact on the environment as a whole. This can cause outbreak of diseases in the affected region. To curb this type of risks and the losses associated with it, it is essential to take out pollution and hazardous cargo liability insurance policy.

Safepro offers the best insurance for any loss caused by pollution and hazardous materials in transit. Care should be taken when applying for this type of insurance policy. Before getting into a contract with any insurance company, you need to read their terms and conditions as stipulated in the contract document. This will help you to know the extent to which the policy offers coverage for your risks. In addition to that, you should carry out a thorough risk analysis of your trucking business. If you find difficulty in doing this, consult your insurance brokerage firm to aid in the analysis of the risks that might take place. Some risks cannot be ignored as they can lead to a severe financial loss on your part, as the business owner. A pollution and hazardous cargo liability insurance cover will thus come in handy.

Many trucking businesses opt to take this type of insurance cover due to the numerous accidents on the road and rails among other transport channels. Some companies have been faced with massive financial loss as a result of such ignorance. The value of this insurance policy will depend on the safety measures that you take to prevent pollution of the environment by the hazardous materials. In addition to that, the frequency in which accidents occur on the transport channels will be a determining factor. A pollution and hazardous cargo liability insurance policy will thus ensure that your trucking business is covered against any major loss due to environmental degradation.

Filing Process for Trucking Insurance

Any business requires that you obey the lawful authorities of a given state. This is also the case with the trucking business. When carrying out your operations within the state, state authorities are responsible for the licensing and any other legal documentation that will allow you to legally conduct such a business. However, some truckers tend to move from state to state in hauling trailers carrying different types of cargo. This requires federal filings services. It is thus made as a requirement by the federal government for every trucking business involved in interstate trucking operations. On the other hand, those involved in intrastate trucking are exempted from federal filings. As a result, they adhere to the rules and regulations set by their respective states.

There are many operations that take place in trucking business. You can choose to transport cargo, for hiring, or for transportation of passengers. All these services require trucking and commercial filings, regardless of whether they operate within the state or from state to state. The future of your trucking business is dependent on how you interact with state and federal authorities. In that case, you should ensure that you have proper documentation as it is required by the two authorities. Trucks haul all sorts of cargo from hazardous to human friendly cargo. For this reason, it is important to have trucking and commercial filings to act as prove that you are authorized for this type of business.

For businesses operating within the state, they are required to have state filings for their business operations. Various states in the US have exempted state filings for truckers transporting exempt goods. Some of these states include the state of Alaska, Florida, Delaware, Arizona, Vermont and Hawaii among others. They use Forms E, F and H filings for their intrastate exempt goods transportation.  These forms act as the state filings for such transporters in the trucking business. It is important to have prior knowledge of the requirements of trucking and commercial filings in your state. This will come in handy in helping you to avoid getting on the wrong with state authorities.

There are a number of sectors in the industry that do not require both state and federal filings. The manufacturing and retail sectors do not require such filings. This applies to those businesses that transport their own cargo. They are referred to as private carriers. Farming is also in this category. A farmer who transports his or her agricultural products to the market does not require such filings. On the other hand, owner operators who operate under a different entity are also not required to have both filings. For example: in the case where one has leased a truck from another company, to transport his or her goods.

Safepro offers trucking and commercial filing services for trucking businesses. It is a requirement by the state and federal authorities that you take out some of the insurance policies, especially those that cover the third party. A certificate of insurance is thus a must have as it will be required in different occasions to serve as proof of insurance.

Workers compensation insurance policy and Artisan Contractors

In any place of work, problems may come up that the workers address concerning the working conditions. On the other hand, employers may retaliate concerning the cases filed against them by their staff. In that case, there is the contractor workers compensation insurance policy that takes care of such liabilities. Under this policy, workers will be covered against any type of risk that occurs in their line of duty. This includes injuries or illnesses suffered by the employees. As a contractor you should be liable to any type of injury or illness suffered by any member of your staff. This could be obvious, especially when dealing with a construction site. Contracting business is prone to such injuries and illnesses. As a result a contractor workers compensation insurance policy will come in handy.

An employee in your construction site should file for compensation on any costs that come with medical bills, when he or she suffers disability in the line of duty or death. In the latter case, you will be required to compensate the employee or the family that he or she has left behind. The aim of the contractor workers compensation insurance policy is return the insured to their original financial position as a result of the loss. The beneficiaries of the insured will be the people who were solely financially dependent on the insured. This insurance policy will therefore continue to make sure that they receive their financial support as before the occurrence of the risk.

Contractor workers compensation insurance policy also accommodates the employer liability. This comes up as a result of any law suit against the employer filed by the employees. Such law suits can be costly on the part of the employer. In that case, you need to take up the employer liability insurance policy to ease the financial loss due to this. Workers may sue their employer due to poor pay packages, poor working conditions or inadequate compensation due to injury or illnesses among others. The more the number of law suits against the employer the more the financial loss suffered by the employer. However, before taking out a contractor workers compensation insurance policy, you should consult Safepro to carry out a thorough analysis of the risk you want covered. This will help you to take out the best insurance cover.

Payment of premiums for the contractor workers insurance policy will depend on the monthly income of the employee. In that case, the insurance company that you choose to take out this type of insurance policy with will carry out an annual audit of the policy. On the other hand, they may choose to higher a professional audit firm to carry out the audit on their behalf. The aim of this type of audit on your payroll is to ascertain whether the insured is at par with the terms and conditions of the policy as he or she agreed during the inception of the contract. If the audited report shows that the payroll is less than initially indicated then the policy holder may get a return premium. On the other hand if the audit report shows that the current payroll is over and above the estimated payroll, then the policy holder will owe some additional premium to the insurer.

Construction Safety Takes Work from All Levels- Executives, Insurance Companies and Laborers

Construction is an industry where injuries can be common and costly, for both company leaders and construction workers. With proper employee training, a proper attitude toward safety and a partnership with a knowledgeable insurance company, construction company owners can minimize their risks – both financially and to their employees.

When employees are injured on the job, the incident affects more than just that particular employee. Projects slow down because there are fewer bodies on the job to compete the work and when schedules are pushed back it affects the bottom line. Not only that, but the company’s insurance rating takes a hit, bringing higher premiums for required coverage.

A well-built and strong culture of safety, where employees are conscious of potential problems and take care to avoid them, takes work from everyone in the company. To create that strong safety culture, everyone in the company, from the top executives to even the newest construction worker on the job site, must work to keep themselves and their coworkers safe. Subcontractors should be carefully screened to ensure that they too work to create a strong culture of safety. This is especially important when it comes to a company’s construction wrap-up insurance – a policy or program that allows the project sponsor to control insurance and claims – the project sponsor also benefits when a construction program is well-managed.

Safety from the start

To ensure that safety is on the team members’ minds before a project even starts, construction companies should engage the services of a construction risk management expert. Project planners should consult insurance company representatives to develop the best risk management program possible at the start of the project and meet again as the project progresses, in order to refine the safety strategies, if necessary.  At the start of the project, managers should bring all employees together and lay down the safety rules.

Creating a Safe Construction Workplace

Although the construction industry has improved safety rules and implemented risk control strategies, it’s still a dangerous business. In 2012, the U.S. Bureau of Labor Statistics’ (BLS) Census of Fatal Occupational Injuries ranked construction in the top five deadliest occupations. The BLS reported that there were 838 fatal injuries in construction and excavation – which is a five percent increase in incidents from 2011. Last year, construction workers’ fatal injuries rose to 577, ending a five year trend of declines in injuries.  These statistics highlight the need for a safe construction workplace.

As the industry works to improve safety, there are a variety of factors that will make these efforts difficult, including economic and cultural issues.

The slow economy has put more pressure on construction companies to complete projects fast and at the lowest cost possible. But, if a company tries to increase efficiency and decrease costs by taking shortcuts with their safety, the potential of an accident can destroy all savings that a company attains.

It’s important to understand that although construction is dangerous, some workers feel they should take more risks, because they feel their coworkers may judge them for taking precautions.  In reality, the heights and machinery used by construction workers provides opportunity for injury. Executive should be aware of their employees’ proclivities toward risks and take the appropriate action to remove employees who are continuously reckless, when necessary.

Industry Shows Change in Attitudes Toward Safety

Over the past few years, the industry has slowly moved from safety based on federal, state and local regulations to a safety philosophy that emphasizes the human side of the equation. By doing this, companies have lessened potential dangers and focused on safety , using approaches that focus on communicating why safety is important to each employee, with more personalized approaches.  But there is more that can be done.

Construction company executives can promote safety throughout their organizations with a shift to frequently reminding employees of the need for safety, instead of dealing with safety lapses when they occur simply by punishing employees when they violate safety regulations.

To create safe construction environments, everyone involved must constantly have safety on their minds and work to improve. This diligence can be difficult at first, but over time becomes second nature.  It’s also work the time and money spent.

Construction Companies Are Increasing their Liability

Construction companies are taking on more risk and choosing insurance policies with high deductibles. This means higher costs if anyone is injured on the job, so executives and project managers have good reasons to demand a safe workplace.  When employees take risks that cause injury, it can seriously affect a company’s insurance rating and premiums – construction company executives don’t want to pay higher premiums because they have an employee who is taking risks.

Not only that, but injuries can lead to increased cost from project delays and even damage to a company’s reputation. All costs must be controlled for companies to compete with others in the tight construction market and slower economy.

Fifteen Steps to Safety

These fifteen steps can help companies to increase job safety, efficiency and manage their costs.

  • Start at the Top.  Safety should start with company executives. It must be an integral part of the company’s business mindset and a top priority, even with the chief executives. They should continually express their opinions on the importance of safety to workers at every level of the company.   Executives should always be aware of safety programs in place and monitor employees and projects for compliance. Safety is often a task given to a corporate safety director or on-site safety personnel, but it’s important for executives to be fully knowledgeable about the situations too.
  • Require training for all employees.  The Occupational Safety and Health Administration (OSHA) offers a 30-hour certification course, and this is just one option for safety training that can help to improve a construction company’s safety rating and awareness.  Every executive should know about accident investigation, safety planning, loss analysis and management of subcontractors. Executives should be active and visible in the implementation of safety rules.
  • Create Safety Committees.  At companies that are proactive about their safety, it’s not uncommon to find safety committees as integral parts of the company. These groups should include upper management, safety personnel, operational staff and laborers who work at the construction sites, to give a well-rounded view of what happens at job sites and how safety could be improved. Not only that, but including construction laborers helps to reinforce the personal commitment to safety. On-site safety managers should be employed on projects of all sizes, to save money on potential insurance claims.
  • Create Safety Goals and Track Progress Regularly.  As part of enforcement of safety procedures and workplace habits, executives should create and track safety goals. These goals should be established annually, at the start of the fiscal year, for example, and tracked regularly.
  • Recognize Success but Keep Everyone Accountable. Everyone must know that safety is a top priority and that they will be held responsible if they break safety protocols.  If they don’t know just how serious the company’s commitment to safety is, they may be tempted to cut corners, which could lead to injuries and other problems.  Performance reviews should include discussion of safety achievements and problems, if they occur.
  • Plan Projects with Safety in Mind. Every project must be planned with safe practices built in. A safety document that shows how the project will be done and the exposure to potential safety issues should be created for every project. That document should also identify how workers will avoid these exposures.  In-depth safety planning can help the project move swiftly and minimize potential accidents.  The plan should include safety contacts, identify the key personnel and show a list of emergency procedures, fall management and retrieval and how employees will be trained. At the start of each project, every employee on the site should get this document, while subcontractors should be required to show a plan that identifies how they will mitigate safety problems.
  • Use Safety as a Qualifier for Subcontractors.  It’s not unusual for project managers to assess and pre-qualify their subcontractors based on experience and financial strength, but they should also include safety performance, experience, incident rates and overall safety culture.  Company owners should review the subcontractor’s rules for safety as well. When selecting a subcontractor, companies should use agreements and bid documents to enforce required safety practices. If companies don’t hire subcontractors who are proactive about safety, they could face unneeded liabilities when the project begins.
  • Include Safety Practices in Worker Training. Employees need to know how to use every piece of equipment they will touch. They also need to be trained to use a variety of safety equipment items, including fall arrest systems. Falls are a big danger for construction workers. Every worker, not just new hires, should have to go through an orientation for each project, because different projects have different specifications and risks. Orientation should include review of safety requirements and the pre-planning safety document as well as fall management procedures.
  • Address Communication Problems before Work Starts.  In construction, the primary language for many workers is not English. There are high concentrations of immigrants and non-English speaking individuals in this field, and executives need to ensure that safety and job expectations are communicated clearly to those workers.

Focus Safety Efforts on Fall Management. Because falls made up 35 percent of fatal construction incidents in 2011 and more than half of the fatal construction incidents in 2012, it’s clear that falls are a leading cause of injuries and deaths in construction.  In 2012, approximately 280 of 577 construction fatalities occurred when a worker fell.  Fall management programs should outline routine procedures for all workers and should be written as part of the pre-project planning. Companies should look for engineering controls or methods to complete the work without increasing the possibility of a fall.

  • Address Issues of Substance Abuse. With heavy machinery and the potential to work at several heights, construction companies should actively work to avoid issues of substance abuse on the job. Drug testing can tell company executives if specific employees have problems with drugs and enable them to get help. Its crucial that construction workers stay alert and ready as they work, considering the equipment they operate and heights they often work from. Construction workers should be creating a culture where everyone feels comfortable speaking out if coworkers are dealing with substance abuse or acting recklessly. Their lives and livelihoods may depend on it.
  • Plan Safety Evaluations for Every Project Phase. Throughout the work on a project, each phase should be analyzed for safety risks. This helps to ensure that employees have and use the appropriate safety equipment and tools. Not only that, but this evaluation can help to identify potential exposures to injury so that they can be removed, or at least avoided. An analysis of this sort should be given to the supervisor and project manager before work begins so that they can take corrective action if necessary.
  • Talk About Safety Regularly. Weekly talks are great to discus safety procedures, but sometimes it is more effective to talk about safety concerns at the beginning of each shift, in order to keep safety in the workers’ minds. Reviewing safety hazards and checking that  the correct protective gear will be used is a great way to remind employees to be safe. Construction projects change quickly, and if a job changes during midday work, or at anytime during the workday, construction managers should review those changes and call their laborers together to go over them before work continues. When field safety inspections are conducted regularly,  workers can manage the potential for accidents and mitigate them before they happen.
  • Review Incidents and Near-misses. Projects should begin with the mindset that accidents can be prevented. If something happens, all information related to the accident should be reviewed – from what the worker was doing to the potential exposures and whether other employees were nearby at the time who saw what happened or helped their coworker before, during and after the incident.  Each project package should include details about steps to take to increase safety, information about the claim itself and information on how the accident affects the current and future projects. Project managers, company safety committees and executives should review this documentation for accidents and near-accidents, then meet with employees to discuss the incidents in order to show that safety is a priority in the company.
  • Collaborate with Insurers and Risk Management Experts to Create Culture of Safety in Each Project. Companies that start early and work with their risk management consultants and insurance agents throughout a project have a better chance to avoid accidents and injuries. Insurance agents can be resources to turn to that executives meet with and determine how to improve safety procedures and engineering protocols. It’s important to look at safety at all levels – don’t just focus on the big issues that can lead to accidents, because then there could be issues. The right insurance company for construction risk management has strong expertise and is recognized for financial strength. Regularly meeting with an insurance agent throughout projects can help to reduce accidents and injuries, even save lives.

Attention to Safety is a Key to Succeeding in Construction

When executives pay close attention to how projects progress and the actions that all of their employees take, especially when it comes to safety, this can raise not only their awareness of safety, but also the awareness of employees throughout the company about the importance of working safely.

Regular communication with insurers, risk management experts can help companies to make each project they work on even safer. Regular communication of safety  expectations, of policies, and proper training and safety procedures can impress upon construction laborers just what they should be doing in order to avoid injuries.  Whether construction laborers or subcontractors, it’s important that communications be clear and concise, especially when it comes to preventing fatal accidents in construction sites.

Safety protocols must change in response to the project phase and to encompass new and ever changing safety regulations from organizations like OSHA or other state and local agencies. The safety goal that every construction company should strive for is to have zero injuries. This is the best way to protect their employees, their insurance rating, reputation and bottom line.  Accidents that damage a company’s reputation can be hard to overcome; a company with a strong culture of safety has the potential for a quicker finishing time for each project, becomes more competitive and has fewer insurance costs to pay.

At all times, companies must keep an eye on safety, especially because the construction industry is such a fast-paced injury that is always changing.  Working with the right insurance company and risk management experts are great steps to begin creating a strong culture of safety. Frequently reminding employees of the importance of safety also helps to keep them safe, protecting not just their livelihoods, but their families as well.

Trucking Business Operations and Insurance

A trucking license is a must have for truckers in the trucking industry. It is thus a requirement to take up a license with the government before venturing into this kind of business. Hauling of trailers also requires that you have a valid permit. Trucking operations and licensing is thus essential for good business practices. There are some important aspects that you should adhere to if you want to get the best trucking insurance for your business. The Federal Highway Administration offers permits to individuals who hire hauling services for their trucks. In addition to that, there are government bodies that offer registration for any type of vehicle used in the trucking business. They include IRP and IFTA.

Trucking operations and licensing is thus the best way to kick start your trucking business. This means that you will be legally conducting your trucking operations without going against the law. Various trucking insurance agencies have been set up to educate you on the same. This ensures that you get the most effective type of licensing for your business. Safepro provides these types of services to its potential clients in the trucking business. As a trucking contractor, you are liable to get a permit with the authorities within your state. This is because, each of these states has its own rules and regulations concerning the trucking business. However, most states apply federal regulations in terms of the aspects of taking out trucking insurance cover. The state will in that case remain with the responsibility of ensuring that safety precautions are observed and also monitor issues of insurance policies in the trucking operations and licensing.

Trucking licensing is unique in this way. Regardless of whether you are hauling goods within the state or outside the state, it is a requirement that you have both a Federal and state permit. This will help the two authorities to monitor the movement within and outside the state. Truckers are not as closely monitored as the buses and taxi vehicles. This means that with trucks, you do not require to take out as many insurance policies as with other vehicles that serve as public means of transport. As a result, the public vehicles have more requirements in terms of liabilities as compared to the trucks used for transportation of shipments. Vehicle liability for public means of transport, involves third party liability insurance policy, which covers third parties like the passengers and other people’s property.

Hauling business is on the rise in every state. This type of business involves hauling of shipments from state to state and in some cases it is limited within the state. With every state having their own different laws concerning truckers, it is important to have the two types of permits for ease of movement. Forwarders and house brokers are also required to have freight forwards permit. This can be obtained from the Federal Highway Administration. For this to apply, individuals in this category have to be moving freight from state to state. Bonds can also be required depending on the activities carried out by the businesses.