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Do You Have Service Line Coverage?

As a homeowner, there are many items to consider with the on-going maintenance and upkeep of your property, and while a basic homeowners insurance policy protects your home, these policies most often exclude your underground service lines. These lines include the piping and...
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What do A.M. Best Ratings Mean to Insurance Companies and to you?

Insurance companies take the ratings information issued by A.M. Best very seriously. Companies know a downgrade in an A.M. Best rating can mean a loss in customer confidence. It is also an indicator as to how attractive the company will be to investors. Customer confidence and...
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Safeguard against Owner Operator’s Trucking Insurance lapses

Every carrier should have a check and balance system in place that verifies that the Non Trucking Liability, Physical Damage and Occupational / Accident insurance coverage is current at all times. Unfortunately, there isn’t insurable interest for the carrier to attach to and get...
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ELD Mandate – Frequently Asked Questions:

Delays at the loading dock, do we have to report the time? Whether it’s a delay at the shipper or traffic jam, the ELD will be running. A driver is considered on duty the moment the truck starts to move at a speed higher than 5 MPH. Once a driver is dispatched from the terminal...
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Foreign Workers and the Federal Minimum Wage

The U.S. Department of Labor, Wage and Hour Division administer the Fair Labor Standard Act (FLSA), which applies to foreign commercial vehicle operators and their helpers who work in the U.S. territory. If the foreign workers spend a “substantial” period of time in...
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Reporting of tickets or violations: By the driver within 30 days of conviction. Most company policies require immediate notification by the driver to the company. Roadside inspections: Driver must inform carrier with 24 hours of inspection and carrier must keep inspection report...
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Bobtail Insurance or Non Liability Insurance?

BOBTAIL: A BROADER FORM OF LIABILITY COVERAGE:  Bobtail insurance protects you from bodily injury and property damage liability accidents while operating your semi-truck during those times when you’re not hauling a trailer or other load. For example, if you drop off a load...
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How will I be taken care of in the long term if my health fails?

If you haven’t asked yourself this question take a few minutes and write down what the plan might be. Consider these categories: Finances Do I have written instructions as to which assets will need to be spent and in what sequence? How much of my estate will have to be ‘spent...
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Winterizing your Vacation home?

For many Michiganders the start of fall is a time to say goodbye until next summer to their vacation home. This annual ritual is an important one that involves draining the pipes, protecting your mattresses and bedding from critters, packing up kitchen ware to protect against...
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Hidden Treasure: Life Insurance!

Life Insurance has many variations meant to meet the coverage and budget requirements of almost anyone; however the basic purpose is the same:  It is the single best way to protect loved ones against the financial devastation caused by the untimely death of an income-earning...
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