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FMCSA Grants Exemption to 30-Minute Rule for Truckers Hauling Fuel

Posted December 27, 2018 by Administrator

The Federal Motor Carrier Safety Administration’s (FMCSA’s) hours of service (HOS) regulations dictate that if drivers can’t complete their duty within twelve hours under the 100 air-mile radius exemption that they have to take a 30-minute rest break. However, this rest break poses problems for carriers transporting hazardous materials. They can’t leave the cargo unsupervised, and attending the CMV doesn’t qualify as resting. The parking shortage also prevents drivers from finding a safe and secure area to park trucks toting hazardous material.

To address these challenges, FMCSA offered exemptions to the rule for carriers transporting specified fuels. However, propane didn’t make the initial list. This put drivers transporting petroleum-based cargo in a difficult situation. While most of them load their vehicles in the morning with the intent to finish several deliveries by the end of the day, outside circumstances can prevent this from happening.

These drivers operate commercial motor vehicles (CMVs) on interstate highways so traffic and accidents can impede their deliveries. Since they can’t leave their hazardous cargo to rest but they also can’t push beyond the 12-hour regulation, the National Propane Gas Association (NPGA) petitioned FMCSA for an amendment. The transportation agency granted the request, which will remain in effect through April 10, 2023.

Complying with FMCSA regulations is critical to remain in operation as a trucking company, but these rulings can create challenges for fleets. In this instance, the need to transport hazardous cargo safely took precedence and FMCSA issued an amendment. Cline Wood understands the risks involved with transporting hazardous materials. We can help your trucking company assess its risks and implement solutions to address them: get in touch at safetrucking@clinewood.com.

This document is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. Marsh & McLennan Agency LLC shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any statements concerning actuarial, tax, accounting or legal matters are based solely on our experience as consultants and are not to be relied upon as actuarial, accounting, tax or legal advice, for which you should consult your own professional advisors. Any modeling analytics or projections are subject to inherent uncertainty and the analysis could be materially affective if any underlying assumptions, conditions, information or factors are inaccurate or incomplete or should change.

How to Improve Your CSA Score in 5 Steps

Posted December 6, 2018 by Administrator

All Compliance, Safety, Accountability (CSA) scores are available to the public, which has a direct effect on how much business a trucking company can accrue. Customers prefer companies with better scores, plain and simple. However, having a good CSA score also means fewer roadside inspections and interventions.

While CSA scores may be a significant source of frustration for fleets and owner-operators, they do serve an important purpose. The Federal Motor Carrier Safety Administration (FMCSA) developed the initiative with the goal to improve roadway safety for drivers, passengers, and the motoring public at large. When a fleet or independent driver falls below acceptable standards, they run the risk of fines and interventions. Fleets that want to avoid interventions and keep their hard-earned cash should adhere to the following:

  1. Make changes starting at the top. Company leadership needs to show they are serious about improving CSA scores if they want their employees to follow suit. Taping flyers up around the office won’t cut it, either. Fleet managers need to foster a culture of safety by holding regular discussions and imbuing everything they do with safety in mind.
  2. Get employees onboard. Once management makes safety a personal priority, they need to help employees do the same. While most drivers are aware of the importance of CSA scores, they aren’t always so sure of the nuances. If they don’t understand what’s expected of them or just how serious safety violations are, they won’t be able to comply.
  3. Understand the top violations. FMCSA assigns a score to every CSA violation, meaning some are worse than others are. For example, failing to carry a valid medical certificate is a one-point violation whereas problems with lights carry a six-point penalty. Tire-related violations carry an even heavier penalty at eight points per violation. Avoiding these top point-heavy violations goes a long way toward keeping CSA scores low.
  4. Update safety procedures. Trucking companies can take a hard look at their CSA score to determine how they accumulate most of their violations. From there, they can update company policy to include those areas in drivers’ pre-trip inspections. Making pre-trip inspections mandatory is also necessary to prevent avoidable violations.
  5. Challenge citations. FMCSA doesn’t write CSA violations in stone. Carriers have two years to challenge citations. If they can get a citation dismissed, FMCSA removes the points from their CSA score. Even getting a violation’s severity reduced is worth the effort because it will mean fewer points toward the overall CSA score.

Improving CSA scores is vital to keeping a trucking company in business. Poor scores mean fewer customers, heavier fines, and more frequent interventions by the Department of Transportation (DOT). However, better CSA scores also mean improved safety, which is a top priority for any fleet. To learn more about improving your fleet’s safety, email us at safetrucking@clinewood.com.

This document is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. Marsh & McLennan Agency LLC shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any statements concerning actuarial, tax, accounting or legal matters are based solely on our experience as consultants and are not to be relied upon as actuarial, accounting, tax or legal advice, for which you should consult your own professional advisors. Any modeling analytics or projections are subject to inherent uncertainty and the analysis could be materially affective if any underlying assumptions, conditions, information or factors are inaccurate or incomplete or should change.

8 Financial Factors Farmers Need to Consider for 2019

Posted November 29, 2018 by Administrator

Farming has always been a risky occupation with slim margins, and 2019 will be no exception. Both livestock and crop farmers are feeling the financial squeeze, dairy farming and row-crop sectors in particular. Thankfully, not every trend is bleak. The following are several developments farmers need to be aware of to maximize their profits.

Positive Factors Affecting Farming Finances

There are several positive trends affecting the farming industry. These include:

  • Unemployment is the lowest it’s been in over five decades, coming in at 3.7%. Many agribusiness employees are also seeing an increase in salary.
  • Experts expect consumer spending to remain stable as farmers continue to produce strong yields.
  • Farmers have new opportunities at growth due to an increased interest in fresh foods, craft beer, and other ventures that call for specialty crops.
  • Farmland value is stable with some small increases. This is significant for farmers who borrowed against their equity.

Negative Factors Affecting Farming Finances

While there are several notable trends to look forward to, farmers need to be aware of the negative aspects poised to influence the industry as well.

  • Yields may be strong, but prices are not. In addition, just because a farmer can produce more doesn’t mean he or she has enough space to store it before selling it. It may behoove farmers to produce slightly less to keep production costs down.
  • Experts expect the cost for crop production to increase in 2019.
  • A decrease in crop profitability isn’t correlating to a decrease in rent. A visceral desire to control land can make rent negotiations tough, especially when there are other farmers willing to pay steep rent costs.
  • While stable farmland prices is a good thing for established farmers, it’s a challenge for those trying to get their foot in the door. Farmland value remains high, placing it out of reach for up and coming farmers.

Running a successful farming operation requires balancing risk against profit. For example, overreaching or poor planning can turn a successful yield into a financial disaster. Farmers who take the time to learn and plan for the above trends can navigate around the negative while capitalizing on the positive. To learn more about reducing your farming risk, contact the experts at Cline Wood.

This document is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. Marsh & McLennan Agency LLC shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any statements concerning actuarial, tax, accounting or legal matters are based solely on our experience as consultants and are not to be relied upon as actuarial, accounting, tax or legal advice, for which you should consult your own professional advisors. Any modeling analytics or projections are subject to inherent uncertainty and the analysis could be materially affective if any underlying assumptions, conditions, information or factors are inaccurate or incomplete or should change.

What You Need to Know About the Top 10 Trucking Concerns

Posted November 20, 2018 by Administrator

The American Transportation Research Institute (ATRI) releases a survey of the industry’s biggest concerns on an annual basis. For the past two years, the driver shortage came in as the number one concern; however, there is a much bigger insight to glean from this year’s report: the divide between commercial truck drivers and motor carriers.

How Truck Drivers Rank Issues Compared to Carriers

Out of the top ten concerns, the driver shortage lands at number nine for commercial truck drivers. For drivers, their number one concern is Hours-of-Service (HOS) regulations. This is significant because while motor carriers are focusing their efforts on acquiring more drivers, they may be overlooking issues that can cause retention problems.

To put it another way, if motor carriers want to improve the driver shortage, they need to focus on the drivers they have before casting a net for potential new hires. It always costs less money to retain employees than it does to replace them. In addition, fostering a positive work environment that values communication between drivers and carriers can attract more drivers.  Looking at what drivers list as their top concerns is a great place to start.

In order to ensure maximum driver retention, carriers need to address some of the disparities between the two lists. For example, drivers list HOS rules as their number one concern, which falls to the number three slot for carriers. The ELD mandate generated a lot of discussion, but the primary issue at the heart of the debate is the existing HOS regulations. Truck drivers are stuck between customer demands and unyielding regulations that make timely deliveries next to impossible. Carriers that want to keep drivers happy need to advocate for their concerns.

Another example highlighting the divide between driver and carrier concerns is driver distraction. It is truck drivers’ fourth most prevalent concern while it falls to the seventh slot for carriers. Truck drivers have to deal with distracted motorists on a daily basis. They’re also more likely to take the blame if an incident occurs because of skewed public perception about commercial motor vehicles (CMVs). Carriers need to take steps to protect their drivers on the road as well as implement technology to protect them in the event of an accident to ensure maximum retention.

Motor carriers and drivers have diverse needs and concerns; however, diligent carriers can find ways to bridge the gap to keep both parties happy and working harmoniously. Cline Wood knows the driver shortage is weighing heavily on trucking businesses, and we strive to find workable solutions. Contact us at safetrucking@clinewood.com to learn how we can help your trucking company.

This document is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. Marsh & McLennan Agency LLC shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any statements concerning actuarial, tax, accounting or legal matters are based solely on our experience as consultants and are not to be relied upon as actuarial, accounting, tax or legal advice, for which you should consult your own professional advisors. Any modeling analytics or projections are subject to inherent uncertainty and the analysis could be materially affective if any underlying assumptions, conditions, information or factors are inaccurate or incomplete or should change.

Cyber Security Awareness

Posted October 31, 2018 by Erin

Cyber Security is big news these days, and for good reason.  Many large companies have been hit by hackers, and unfortunately some trucking companies have been victims as well.  Take this scenario for example:  Your server is hacked.  The hackers send an email to one of your office workers that purportedly comes from your Chief Operating Officer, and requests a large sum of money be wired to a bank account.  This is a deviation from normal protocol, but the office worker hasn’t been trained in what red flags to look for in emails, and hasn’t been encouraged to question anything suspicious.  So unfortunately the office worker proceeds with the request and wires the money.  The scam isn’t discovered until later that month when your Bookkeeper sees the entry in your bank records.  At that point you call your IT service provider to investigate where the hack originated, if any personal and/or proprietary information was also stolen, and re-install proper security measures to prevent future hacks, but by that time the damage has been done.

Fortunately there are measures your trucking company can put in place to prevent these types of scenarios.  Click HERE to learn about 15 Best Practices to Protect Your Website from Malware & Cyberhacking.  We also encourage your company to review your insurance coverages and speak with your Producer or Account Manager regarding available coverages to help reimburse your company in the event of a loss.  Below is a chart showing types of insurance coverages that may come into play depending upon each unique cyber scenario:

Source: http://www.gccapitalideas.com/2018/07/04/chart-the-cyber-insurance-matrix-explained/

 

For more information or assistance, please contact us at safetrucking@clinewood.com.  We appreciate your safety efforts!

This document is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. Marsh & McLennan Agency LLC shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any statements concerning actuarial, tax, accounting or legal matters are based solely on our experience as consultants and are not to be relied upon as actuarial, accounting, tax or legal advice, for which you should consult your own professional advisors. Any modeling analytics or projections are subject to inherent uncertainty and the analysis could be materially affective if any underlying assumptions, conditions, information or factors are inaccurate or incomplete or should change.

 

 

Safety Committees: A Valuable Tool for Business Success

Posted October 31, 2018 by Erin

The value of a workplace safety committee is often debated between those leaders tasked with operational assignments and those tasked with safety performance. The arguments against utilizing safety committees usually include comments related to operational inefficiencies (waste of time, slows production, etc.) or committee ineffectiveness (doesn’t accomplish anything, nothing changes, etc.).   However, when a safety committee is properly established and utilized, the financial and cultural benefits to a company far outweigh any actual or perceived negative consequences. Most companies which effectively utilize safety committees will argue that said safety committee is a vital component of the overall success of the organization.

What’s In It For My Company?

There are many advantages to establishing and utilizing a safety committee, including but not limited to:

  1. Potential reduction in Workers’ Compensation premiums (varies by state).
  2. Pursue and secure high-value contracts with more lucrative customers.
  3. Reduction in out-of-pocket expenses due to injury and illness reduction.
  4. Reduction in out-of-pocket expenses due to property damage reduction.
  5. Participation by front-line workers in identifying risks to the company.
  6. Reduction in your overall injury and illness rate (OSHA Recordable).
  7. Validation of senior leadership’s commitment to a safe workplace.
  8. Increased awareness and appreciation for the company’s safety culture; and
  9. Invaluable feedback to senior leadership to aid in decision-making.

Other Considerations

While from a federal regulatory standpoint safety committees are not required for most companies, several states do require the use of safety committees if you participate in the state Workers’ Compensation Program. However, since such requirements vary from state to state, please verify any such requirement via the agency which manages your state’s Workers’ Compensation Program.

In addition, if your company holds certain state or federal contracts you may have a regulatory requirement to establish a safety committee. You may also be required to establish a safety committee if you participate in any of the most recognizable national or international safety certification programs such as the OSHA Voluntary Protection Program, the American Chemistry Council’s Responsible Care Program, or ISO 45001.  You may also have a contractual obligation to establish a safety committee by certain customers, particularly those in highly-regulated industries such as chemical or nuclear processing, oil and gas refining, hazardous materials manufacturing, and furtherance of intermodal transportation.

Final Thoughts

All that said, the ultimate decision to establish and utilize a safety committee is first and foremost a function of senior leadership, who must be fully onboard from the outset in order to successfully develop a safety committee, grow a safety culture, and successfully reduce accidents.

Be on the lookout for future articles, where we’ll drill down into the details, including: how to establish a safety committee, selection of committee members, how to conduct a safety committee meeting, and utilization of safety committee recommendations. In the meantime if you have questions about safety committees or other safety-related topics, please contact your respective Cline Wood Risk Consultant or email us at safetrucking@clinewood.com.

 

Kenny Ray, Cline Wood Risk Consultant

 

This document is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. Marsh & McLennan Agency LLC shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any statements concerning actuarial, tax, accounting or legal matters are based solely on our experience as consultants and are not to be relied upon as actuarial, accounting, tax or legal advice, for which you should consult your own professional advisors. Any modeling analytics or projections are subject to inherent uncertainty and the analysis could be materially affective if any underlying assumptions, conditions, information or factors are inaccurate or incomplete or should change.

The Holidays are approaching fast – beware of CARGO THEFT!

Posted October 31, 2018 by Erin

While you’re making preparations for company gatherings and thinking about holiday shopping, be sure to take some time to review the processes and checks your company has in place to prevent cargo theft – because thieves are already making their plans to take their presents early.  In fact, according to a Dec., 2016 Commercial Carrier Journal article, approximately $5.8 million in cargo losses were incurred during the holiday season between 2012 and 2016.1

If you’re ever been the victim of cargo theft, you’re likely very familiar with what that terminology means.  However, the Criminal Justice Information Services Advisory Policy Board developed the following legal definition: “The criminal taking of any cargo including, but not limited to, goods, chattels, money, or baggage that constitutes, in whole or in part, a commercial shipment of freight moving in commerce, from any pipeline system, railroad car, motor truck, or other vehicle, or from any tank or storage facility, station house, platform, or depot, or from any vessel or wharf, or from any aircraft, air terminal, airport, aircraft terminal or air navigation facility, or from any intermodal container, intermodal chassis, trailer, container freight station, warehouse, freight distribution facility, or freight consolidation facility….”2

Much of this cargo theft occurs at truck stops, parking lots, and warehouses – or in other words where most commercial vehicles can be found.  There are a couple common theft scenarios.  First scenario involves a thief following a driver from the warehouse until he stops, then stealing the cargo at that location.  Second scenario involves what’s generally called “fictitious pickups”, or pickups where a thief impersonates a legitimate carrier and fraudulently secures a contract to transport cargo.  The cargo is taken in this scenario with typically no trace of the thief upon discovery of the crime.3

So what can your company do to help prevent this kind of theft?  In his Dec. 2017 webinar (which can be viewed on our Recorded Webinars page HERE), NICB Special Agent Steve Covey suggests: vetting potential business associates by way of internet checks (Safersys.org, FMCSA) and word of mouth/calling other companies; contacting local Cargo Security Councils and national associations to access the latest information and resources; and, make friends with the police before your problem happens (the police want to help you prevent theft and are happy to give their input).  Other measures that can help include high visibility lighting, secured yards, high security locks, and confirming receiving facilities holiday hours to help prevent unnecessary layovers with loaded trucks.1

For more information or assistance, please contact us at safetrucking@clinewood.com.  We appreciate your safety efforts!

1source: https://www.ccjdigital.com/cargonet-freightwatch-warn-against-holiday-season-cargo-theft/

2source: “Cargo Theft, 2016”, pg. 1, 2016 Crime in the United States, U.S. Department of Justice – Federal Bureau of Investigation – Criminal Justice Information Services Division

3source: “2014 NICB Identified Cargo Thefts: NC, SC, VA”, pg. 1-2, Data Analytics Forecast Report

 

 

This document is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. Marsh & McLennan Agency LLC shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any statements concerning actuarial, tax, accounting or legal matters are based solely on our experience as consultants and are not to be relied upon as actuarial, accounting, tax or legal advice, for which you should consult your own professional advisors. Any modeling analytics or projections are subject to inherent uncertainty and the analysis could be materially affective if any underlying assumptions, conditions, information or factors are inaccurate or incomplete or should change.

Cline Wood expands Risk Management Team with addition of two experienced safety professionals

Posted September 21, 2018 by Erin

CLINE WOOD EXPANDS RISK MANAGEMENT TEAM WITH ADDITION OF TWO EXPERIENCED SAFETY PROFESSIONALS

Cline Wood, a Marsh & McLennan Agency LLC company, has hired two new risk consultants to help its transportation and agribusiness clients build and enhance their safety cultures and design and implement various industry-specific risk management solutions.

Steve Page has spent over 30 years as a leader in transportation and safety management. His previous leadership positions within several realms of the trucking industry included roles focusing on safety and safety programs, compliance, FMCSR rules and regulations, and driver management/coaching. He earned the NATMI Certified Director of Safety designation in 2003 and many other awards and acknowledgments because of his work in transportation safety. Steve will primarily work with employers in the Midwest region.

Kenny Ray has spent over 30 years building a successful career in safety, security and risk management. His experience includes 25 years as a peace officer in Texas and many years with the Texas Department of Public Safety and Texas Rangers in various leadership positions. These combined with his most recent role as a transportation safety director have positioned him well to support Cline Wood clients in Texas and the Southwest.

“We are committed to helping our clients build a safety culture that helps control losses and increase the value of their companies,” said Mike Wood, president of Cline Wood, a Marsh & McLennan Agency LLC company. “Our team is made up of proven professionals who have met the challenges in the industries we represent and they will work with our clients to find solutions to those challenges. We are extremely pleased to have both Steve and Kenny join us, as they embark on a new stage of their careers.”

 

Please contact our Safety & Risk Management team with any questions at safetrucking@clinewood.com.

 

FMCSA Releases Electronic Logging Device Transition Information

Posted November 21, 2017 by Erin

FMCSA has released additional information on the ELD Transition. The ELD rule is going forward as planned on December 18, 2017.  Listed below are the most recent details provided by FMCSA in regard to the ELD transition:

  1. FMCSA will continue its policy of transparency towards the industry when it comes to implementation issues of this rule, passed by Congress five years ago.
  2. The ELD rule is going forward as planned on December 18, 2017. FMCSA has listened to important feedback from many stakeholder groups and is primarily concerned with helping ease the transition to full implementation of the ELD rule in a manner that does not impede the flow of commerce and maintains and improves safety for operators and the public.
  3. To ease the transition to ELDs, FMCSA’s partners at the Commercial Vehicle Safety Alliance have previously announced a delay in placing non-ELD compliant vehicles out-of-service until April 1, 2018, which will allow continued time for carriers and law enforcement to adjust to the new technology. In addition, FMCSA is announcing that violations cited during the time period of December 18, 2017 through April I, 2018 will not count against a carrier’s Safety Measurement System scores.
  4. FMCSA has heard concerns specific to the transportation of agricultural commodities, especially the transportation of livestock. While those concerns are specifically related to the hours-of-­service requirements and not ELD, FMCSA feels it is important to take additional time to evaluate these issues, and therefore will be issuing a 90-day waiver for these groups (detailed in forthcoming guidance) to allow the Agency to fully evaluate recently filed exemption requests.
  5. In the coming weeks, FMCSA will publish guidance for comment relating to the application of the agricultural commodity hours-of-service exemption. FMCSA will also provide guidance on the existing 150 air miles hours-of-service exemption in order to provide clarity to enforcement and industry and will consider comments received before publishing final guidance.
  6. Finally, FMCSA will publish guidance on another hours-of-service issue, known as Personal Conveyance, which has become more relevant due to the upcoming ELD rule enforcement. The goal of these guidance documents is to take input on their application and develop a consistent and uniform application of the provision.
  7. Public participation in this guidance is essential to the process, so we ask for continued engagement from all impacted stakeholder groups across industries.

Click Here to View the Official Notice from FMCSA

Source: Kansas Motor Carriers Association

This document is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. Marsh & McLennan Agency LLC shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any statements concerning actuarial, tax, accounting or legal matters are based solely on our experience as consultants and are not to be relied upon as actuarial, accounting, tax or legal advice, for which you should consult your own professional advisors. Any modeling analytics or projections are subject to inherent uncertainty and the analysis could be materially affective if any underlying assumptions, conditions, information or factors are inaccurate or incomplete or should change.

Preventing Slips, Trips and Falls

Posted June 26, 2017 by Erin

Sometimes all it takes is one time slipping on a wet surface to cause a debilitating injury to a worker’s back, a broken bone, or worse.  According to the Bureau of Labor Statistics, there were 800 work-related fatalities and over 300,000 total work-related injuries due to slips, trips and falls in 2015.[1]

Once an injury occurs, a worker is typically unable to work for an extended period of time, potentially meaning less income.  There could also be significant medical expenses and decreased ability to conduct your normal daily activities, making it difficult to take care of your loved ones.

WHAT CAN YOU DO?

    1. ONLY WEAR STURDY, WATERPROOF WORK BOOTS
      This helps keep your feet dry and prevents them from slipping off most surfaces.  NO flip flops, slides, or sandals.
    2. MAKE SURE YOUR WORK BOOTS HAVE GOOD NON-SLIP TREAD
      This helps give you good traction in adverse weather conditions and prevents slips/falls.  If your work boots are old, chances are good the tread is worn down and it’s time for a new pair.
    3. MAKE SURE YOUR WORK BOOTS HAVE A STEEL SAFETY TOE
      This helps prevent injuries from bumps or items accidentally dropped on your foot.
    4. REVIEW YOUR SURROUNDINGS
      Look around you to see if there are any potential hazards, like potholes, water/snow on the ground, etc.
    5. USE THREE POINTS OF CONTACT
      When getting in or getting out of your truck or trailer, make sure you have either two hands and one foot, or two feet and one hand making contact with the truck the whole time.  This helps ensure stability.

     

    If you follow these basic guidelines you will drastically reduce the chance of a slip, trip or fall type of accident.  Your employer and your family will also appreciate your efforts to work safer and come home happy and healthy at the end of the workday.

    If you should have any questions regarding the information above or would like to discuss other safety topics, please don’t hesitate to contact Cline Wood at 888-451-3900 or safetrucking@clinewood.com.

    [1] Sources: https://www.bls.gov/opub/ted/2016/4836-fatal-work-injuries-in-the-united-states-during-2015.htm; https://www.bls.gov/news.release/pdf/osh2.pdf


    This document is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. Marsh & McLennan Agency LLC shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any statements concerning actuarial, tax, accounting or legal matters are based solely on our experience as consultants and are not to be relied upon as actuarial, accounting, tax or legal advice, for which you should consult your own professional advisors. Any modeling analytics or projections are subject to inherent uncertainty and the analysis could be materially affective if any underlying assumptions, conditions, information or factors are inaccurate or incomplete or should change.

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