Understanding Expedite and Truck Insurance

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Understanding Owner Operator Motor Truck Cargo Insurance – and Who’s Carmack?

“Hmmmm…so if something goes wrong, who IS responsible for all that stuff I’m hauling in the back of my truck?” The “Cargo” in the back of your truck requires its own type of insurance coverage based on what commodities you’re hauling.   Most Motor Truck Cargo Policies insure the freight for the obvious exposures of…

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Understanding Owner Operator Phys Dam Insurance

Owner Operator, do you ever drive along and wonder “Exactly What IS Phys Dam?” “Phys Dam” is short for Physical Damage. Physical Damage is the Comp and Collision Insurance Coverage on your truck. Collision insurance covers your truck if it is damaged by hitting something or overturns.   Comp is short for Comprehensive.   This insurance…

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Interesting Truck Insurance Court Cases and more…courtesy of CAB

Read the 4 quick summaries here so you’re in the loop of what’s going on, or grab a beverage and click to read the full transportation court cases for interesting stuff on Cargo, Brokerage, Couriers and Temporary Substitute Clause: CARGO A reminder to underwriters that motor carriers are liable for loss or damage to cargo…

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The Most Misunderstood Coverage in Owner Operator Truck Insurance – NTL

Here’s a quick overview of NTL, and heads up on a denied claim where a personal auto policy was used in it’s place: A Non-Trucking Liability policy or “NTL” is designed for an Independent Contractor/Owner Operator who is under permanent lease by contract to a Motor Carrier.  The Motor Carrier provides your Primary Commercial Auto…

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Why an Independent Contractor Owner Operator should have his own Truck Insurance Policy

Dave Corfman offers excellent advice through E.O. Sean M. Lyden’s pen in “Should I Stay or Should I Go?  Knowing when to find another carrier.”  I’d like to add this suggestion to Independent Contractors from the insurance angle: Secure your own expedite truck insurance policy. Make it in your name with your own policy and your own…

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MCS90-91X – Protection Might Not Be What Some People Think

Posted By Shelly Benisch “Risky Business” Blog Expediters Online Sep 14th 2016 Today I thought I’d share some information from Guest Blogger Tommy Ruke, “The King Pin Leading Expert in Truck Insurance”.  Tommy is essentially the father of truck insurance. He has educated the majority of truck insurance specialists in the country for their (CIC) Certified…

What questions an Independent Contractor Owner Operator should ask his Motor Carrier

By Shelly Benisch – C.I.C., CIS EXPEDITE NOW Article Ever wanted a cheat sheet on exactly WHAT questions you should ask a prospective Motor Carrier before making the important decision to join their team as an Independent Contractor Owner Operator? Well here you go…and Expedite Expo July 15th and 16th in Lexington, KY is the BEST PLACE…

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Why Expedited Trucking industry standard for Cargo Vans and Sprinters is $1 Million Liability

Why Expedited Trucking industry standard for Cargo Vans and Sprinters is $1 Million Liability By Shelly Benisch Risky Business Blog Posted Aug 5th 2016 9:14AM ExpeditersOnline.com   Here’s an Addendum to the current EO Thread “Insurance Coverage and the ‘Multi’ Carrier Model”…so Why DO Cargo Vans and Sprinters need $1 Million in Liability?” Arguments are certainly made that since…

Difference between General Liability vs Auto Liability to a Trucker

  General Liability vs Auto Liability By Shelly Benisch Risky Business Blog Posted Apr 7th 2016 ExpeditersOnline.com 12:25PM Given the number of policies with $1 Million General Liability and State Minimum Auto Liability currently popping up out  there, it’s a good time to talk about the vast difference between the two types of insurance whether…

Cheat Sheet for Independent Contractor Expedite Truck Insurance Lingo

 I.C. Cheat Sheet for Expedite Truck Insurance Lingo By Shelly Benisch Risky Business Blog Posted Mar 3rd 2016 ExpeditersOnline.com 12:14PM   Several new Independent Contractors have asked for a cheat sheet on common insurance lingo they hear thrown around, and for my veteran Expediters out there who might like a refresher course in Expediting Insurance…

Expedite Now Q & A with Transportation Risk Specialist Shelly Benisch with CIS

By Lawrence McCord, Publisher Expedite Now January 06, 2016 11:11:00 Shelly Benisch from CIS sheds some light on the commercial insurance industry: Tell us about yourself. When people hear John and I married right out of school and now partner an insurance agency, we’re amused with questions of how we keep from killing each other! While…

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Why Professional Expediters work with Transportation Risk Specialist Insurance Agents (TRS)

The Insurance Zone by Shelly Benisch Expedite Now Magazine Whether you’re a Motor Carrier or Owner Op, expect a professional TRS Insurance Agent to know what coverage you are required to carry by all of the major Expedite entities. Anyone quoting you with lower limits in the beginning of your term then increasing those limits…

Why High-End Expedite professionals should have their own Occ Acc & Phys Dam policies

The Insurance Zone By Shelly Benisch – C.I.C., CIS September 14, 2015 10:47:00 –  EXPEDITE NOW MAGAZINE Independent Contractor Owner Operators are in greater demand than ever before, and the professionals in our Expediting Community have more insurance flexibility than ever before. Let’s look at two options where you can take advantage of savings. Occupational…