2017 International Roadcheck Event to Focus on Cargo Securement Inspections

Posted May 26, 2017 by Administrator

This year the International Roadcheck event sponsored by the Commercial Vehicle Safety Alliance (CVSA) is being held June 6-8, 2017. The event is held across North America, including the United States, Canada and Mexico, where nearly 17 trucks or buses will be inspected, on average, every minute during a 72-hour period. Inspectors will primarily be conducting the Level 1 roadside inspection, which is the most thorough, to make sure the big rigs should be on the road.

The North American Standard Level I inspection is very detailed. Here is a highlight of what the CVSA inspectors really do. It is virtually impossible to tell, just by looking at a rig, if it is in compliance or not. Visually, a vehicle can look old and still be able to pass an inspection and, vice versa, a newer vehicle can look like it should be in tip-top shape but not be in compliance. It takes a highly-trained, certified inspector to complete the comprehensive inspection.

The Level I inspection entails the following checks:

  • driver credentials
  • valid commercial license
  • no outstanding warrants
  • up-to-date log books
  • driver hours are in compliance
  • medical card is current
  • major vehicle components (front, back, sides, rear and underneath)
  • check chassis, frame and braking components

The message the CVSA International Roadcheck is sending to trucking companies and drivers throughout the event is the same message for every day of the year: make safety your very highest priority. When transporting hazmat and securing cargo, remember that keeping your truck in compliance will help to ensure that you, and everyone that shares the road with you, will get home safely. Lives, and livelihoods, depend on it. For more information about trucking safety, compliance, and coverages, contact us.

 

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.

Insurance Solutions for High Livestock Mortality Rates

Posted May 18, 2017 by Administrator

Raising livestock and poultry is a risky business. That is why farmers need adequate insurance to cover their animals from unexpected events. Farmers have a variety of options available to them when it comes to farm animal insurance. They can opt for customized coverage for the specific types of animals they raise or combine several different policies.

Fundamentals of Livestock Insurance

Farmers can often combine their livestock coverage into their overall farm package. This way, they can have adequate protection for their buildings, livestock, and poultry in the event of a death due to accident or injury. Some policies cover animal deaths due to illness as well, but this is specialized coverage.

Farmers can use the following methods to insure their animals:

  • Herd Coverage: This is the most basic and common coverage. Farmers use this type of insurance to cover a precise number of animals.
  • Blanket Coverage: This type of policy insures all farm property. It includes buildings, livestock, equipment, and so on.
  • Individual Coverage: This policy covers animals with higher worth. The policy explicitly states which animals are covered. The corresponding animals often have an identifying feature such as an ear tag.

Farmers can also purchase insurance unique to their livestock. Some examples include:

  • Cattle insurance
  • Pig insurance
  • Poultry insurance

Farm insurance packages often cover animals such as sheep and goats, so farmers do not need specific policies for these animals.

Farmers invest a lot of time and money into their animals. For many farmers, their livestock is their livelihood so they cannot afford to neglect insurance. To learn more about insuring livestock, 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.

Safe Parking for Commercial Trucks

Posted May 11, 2017 by Administrator

Truckers need and deserve safe parking. Shipping and receiving facilities are sometimes in very bad neighborhoods. When there isn’t a safe place to park, drivers may be mugged, beat up or have their equipment damaged. Between 2010 and 2014, 40 big-rig drivers were killed while working, according to the Bureau of Labor statistics. And homicides are only part of the problem. Truck cargo thefts occur at the rate of at least twice daily; 86% of those when commercial vehicles are parked in unsecured location such as public parking and truck trailer drop lots.

The issue of safe and adequate parking has been an issue for decades. The FMCSA has conducted studies on the issue. One study, “Commercial Driver Rest and Parking Requirements” was originally conducted in 1996 and was updated in 2014. The study found that there are 1700 miles of interstate highway that are not within 30 miles of a truck stop or rest area. Some drivers choose to ignore important Federal Motor Carrier Safety Association (FMCSA) hours-of-service rules so they can keep driving until a legal and safe parking spot is available. The shortage of parking suitable for commercial motor vehicles puts tired drivers in a bad position.

The FHWA has established the National Coalition on Truck Parking. So far, several major trucking organizations, such as the American Trucking Association and the Owner-Operator Independent Drivers Association have joined the coalition. The coalition is looking at concerns such as why $231M in parking projects across the U.S. have been submitted, but only $34M has been allocated. Most of the $34M ($20M) has been awarded to pay for intelligent transportation systems technology that alerts drivers when parking spaces are available through in-cab messaging notification systems. Some drivers advocate for cities to change zoning laws to permit additional commercial vehicle parking accessibility. Other advocates want shippers to take more responsibility and allow truckers to park in their lots when resting or waiting.

Clearly, the truck driver parking shortage remains a stubborn issue that just won’t go away. Trucker parking shortage is costing the trucking industry time, money and productivity, not to mention the risk for drivers in terms of stress, fatigue, security for their equipment and, most importantly, their personal safety.

To learn more about the issues that concern truck drivers today, trucking coverage and risk management, contact us.

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.

Pros and Cons of Electronic Log Books for Commercial Truck Drivers

Posted May 2, 2017 by Administrator

Many commercial truck drivers that have not started using electronic log books are skeptical, if not worried, about implementing an electronic on-board recorder (EOBR) system in their vehicle. Although most drivers will admit the system is not yet perfected, many have been pleasantly surprised. The general consensus is that there are more good points about e-logs than bad.

Positive aspects often cited by drivers include:

  • the system forces you to get the proper amount of rest. Getting enough rest is important not only from a regulations point of view, but for the health and safety of the trucker and the public.
  • despite having to adhere to the hours-of-service regulations, drivers do not feel they are losing money in the long run. This was a major concern of many drivers. Most drivers report that by having the proper rest and sleep they reduce stress, which actually leads to increased productivity.
  • e-logs prevent drivers from being pushed or pressured by dispatchers requiring unreasonable delivery schedules because the driver’s hours are documented in the log.
  • if a situation arises – such as inclement weather or sleepiness, the log book becomes the driver’s ally because it documents the condition that causes them to pull over, ensuring that they will operate your vehicle safely.
  • upper management of fleets like the e-logging system because records are accurate and legible. The logs can be reviewed at any time by the company’s safety team, which saves money and time.

The major complaint heard by drivers using the EOBR is that there’s no leeway when using an e-logging system. For example, if a driver gets stuck in traffic there’s absolutely nothing they can do to get off the road safely in the time the machine allots. Drivers feel there should be some latitude built into the system for uncontrollable circumstances.

There’s no doubt that the EOBR system is the future of the trucking industry. It appears that this is a good thing because our country’s drivers will be rested and less stressed, and the roads will be safer for both drivers and the general public who share the road with them.

To learn more about the issues that concern truck drivers today, trucking coverage and risk management, contact us.

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.

Weight Limit Exemption for Dairy Truck Drivers

Posted April 25, 2017 by Administrator

A recent federal regulation now allows states to adjust how they treat milk trucks versus other haulers. This amendment to the Fixing America’s Surface Transportation (FAST) Act authorizes states to issue special permits to milk truck drivers regarding weight limits as well as treat their dairy cargo as a non-divisible load.

One state, Connecticut, has already taken advantage of this revision. Prior to the change in law, Connecticut milk haulers had to travel with their trucks at 80 percent capacity. This meant it required five trucks to haul four trucks worth of milk. This provides two significant benefits:

  • Small and mid-sized farmers can now use the full capacity of their dairy trucks, which helps them save money
  • More economic use of milk trucks means less traffic on state roads

Exemption Improves Road Safety

While helping dairy farmers save money is a considerable benefit, improving road safety is a much farther-reaching advantage. Traffic congestion is not only aggravating, it is a major source of risk to truck drivers and passenger vehicle alike. Commercial motor vehicles (CMVs) are harder to maneuver and bring to a complete stop than passenger vehicles. While CMV drivers can do their part to ensure they are following safe driving practices, they cannot account for how other vehicles will drive around them.

Reducing the number of trucks to deliver the same amount of cargo is a necessary step for improving road safety.  It is vital for dairy farmers and milk truck drivers to stay up to date with which states are cashing in on this amendment to the FAST Act. Dairy haulers often cross state lines, so they need to ensure their cargo weight meets each state’s rules. To stay up to date with the latest federal regulations affecting agribusinesses, 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.

Fertilizer Manufacturers Cannot Neglect Insurance

Posted April 18, 2017 by Administrator

Agribusiness Insurance CoverageManufacturing fertilizer, like many things, used to be a simpler process – create and distribute high quality organic material for enriching soil. Now fertilizer manufacturers must remain aware of a variety of factors to avoid potential lawsuits, from pollution liability and cyber liability to employment practices liability and beyond.

For example, individuals who live near fertilizer plants may complain of the smell and raise concerns about water contamination from runoff. There are numerous ways fertilizer can damage the environment. To avoid financial ruin, manufacturers need to ensure they have ample insurance to protect their business.

An Overlooked Risk Within the Industry

Many agribusiness companies invest in the standard types of insurance coverage such as farm liability protection or equipment coverage. However, the fertilizer manufacturing industry has one lesser-known risk that business owners cannot afford to disregard: the combustible properties of stored fertilizer and related chemicals.

In the spring of 2013, an explosion at a Texas fertilizer plant proved deadly. While investigators determined the fire was set on purpose, the explosive nature of materials found at fertilizer plants is undeniable. The investigation determined that the company in question, West Fertilizer Company, failed to take proper precautions when storing chemicals at their facility. The company became the target of numerous lawsuits as a result.

While the West Fertilizer Company explosion is a worst-case scenario for businesses, it represents why fertilizer manufacturers cannot afford to neglect known threats. Investing in the right types of insurance can reduce your risk. Cline Wood can help you manage your risk to protect your bottom line. To learn more, contact us.

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.

Helping Feed the World

Posted April 17, 2017 by Erin

To watch the video, click here.

Argo Group has a role in protecting vital industries across the globe, from agriculture to manufacturing and hundreds of others. One reason for Argo’s success in so many sectors has to do with the partnerships it forms, prompted by its emphasis on collaboration with clients.

One such collaboration is helping Cattle Empire, one of the nation’s largest cattle-feeding operations. Argo, in partnership with broker Cline Wood, a Marsh & McLennan Agency LLC company, covers the herd and property against loss.

Lucas Christensen, chief financial officer for Cattle Empire, grew up on a cattle ranch in Montana. He understands the importance of having an insurance partner dedicated to the concept of sustainability.

Christensen recalls a bumper sticker on the car he drove as a teenager when he fed the animals. It read: “Ranchers: the original environmentalists.”

“I think that’s something I grew up understanding and learning that we live off the land and off the animals, and so it’s in our best interests to take care of those,” Christensen says.

He appreciates the role that Argo plays in keeping his operation running smoothly.

“More so than the monetary recovery of loss, which is important, is the speed in which we are helped,” Christensen says. “If we have a major loss, we need partners with us that will stand by us and be ready to aid us at a moment’s notice.”

Article originally published on Argolimited.com, to view the full article click here.

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.

 

 

Webinar: Keeping Your Focus on the Road Ahead

Posted April 11, 2017 by Administrator

Truck InsuranceJoin Cline Wood University and industry expert Mike Bohon from Great West Casualty Company as we discuss factors that contribute to rear end crashes. These include (but are not limited to) following distance, vehicle speed, driver distractions, and improper reaction by the driver. We’ll cover a variety of important strategies to combat these issues – improving safety and reducing risk. Topics include:

* Calculating stopping distance
* Gauging proper following distance
* Reducing/eliminating distractions
* Mentally practicing reactions to road hazards
* Preventing/mitigating rear-end crashes

Date & Time: Wed, Apr 19, 2017 12:00 PM – 12:30 PM CDT
To register for the complimentary webinar: https://attendee.gotowebinar.com/register/8878248911594592771

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.

EPA’s Latest Initiative – Phase 2 Heavy-Duty National Program

Posted April 4, 2017 by Administrator

Fuel-efficiency and carbon pollution standards for medium- and heavy-duty trucks in America were finalized by the U.S. Environmental Protection Agency (EPA) and the U.S. Department of Transportation’s National Traffic Safety Administration (NHTSA) last year. These new standards, which will go into effect by the year 2027, will improve the fuel efficiency of commercial motor carriers and reduce greenhouse gas emissions, thereby bolstering energy security and saving vehicle owners substantial fuel costs.

The program, called the “Final Phase 2 Program” is designed to promote a cleaner, more efficient trucking industry by encouraging the application of currently-available technologies and the development of new technologies that will produce cost-effective remedies by the year 2027. The EPA is projecting that the new imperatives will have a lasting positive effect for the industry, the entire economy and public health.

  • CO2 emissions are expected to be reduced by 1.1 billion metric tons,
  • $170 billion will be saved in fuel costs,
  • oil consumption will be reduced by up to two billion barrels over the lifetime of the vehicles sold under the program,
  • the buyer of a new long-haul truck in 2027 is expected to recoup the investment in fuel-efficient technology within two years of purchase,
  • $230 billion in net benefits to society, including benefits to our climate and the public health of Americans.

Heavy-duty trucks generate the most greenhouse gas emissions and use the most energy in the U.S. transportation sector. They currently account for 20 percent of GHG emissions and oil use.

The EPA and NHTSA continue to work on fuel-efficiency and greenhouse gas emissions standards for trailers. They are expected to take effect as soon as 2018 for certain trailers, while other trailers will have until 2021 to comply. Credits will be available for those who wish to voluntary participate before the final deadline. Types of technologies that are being considered for the standards include:

  • aerodynamic devices,
  • light-weight construction, and
  • self-inflating tires.

The agencies who were involved in developing the new Final Phase 2 Program are very excited about the new U.S. national standards that were developed with input from a variety of sources including trucking industry, labor and environmental leaders.

To learn more on transportation industry news, trucking coverages, and risk management, contact us.

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 To Do If Your Trucking Insurance is Non-Renewed

Posted March 28, 2017 by Administrator

Despite popular belief, insurance cancellations are actually more common than you might think. Perhaps you’ve received a notice that reads something like:

“Attention: Your current insurance policy is being non-renewed due to…”

While a non-renewal notice is something you should take seriously, it typically will not negatively impact your ability to find alternate insurance. Here are some facts you should know before securing a new insurance policy and what to do so that you keep your trucking operations running seamlessly.

Why the Non-Renewal?

A non-renewal is not the same as a cancellation. Unlike a cancellation notice, and non-renewal notice is generally issued when there is a change with the insurance carrier. For example, the insurance carrier may no longer write in your state or has left the market completely, which are circumstances outside of your control.

However, if the reason for your non-renewal notice is due to late or non-payment of premiums, an increase in the frequency or severity of claims, or poor inspection reports or compliance issues, your ability to find new insurance may be impacted.

What Should You Do Next?

You’ve received a non-cancellation notice 30-90 days before your renewal date, so use your time wisely. If you’re insured directly through the carrier, finding a new insurance company may be tricky. It is now your responsibility to find and secure new insurance before your current policy is expired.

If you’re insured through an insurance agency, it is likely your agent is already aware of the situation and will be working to find a replacement company that is best suited for your circumstances.

If you were insured through a carrier and will be shopping around for a new carrier, we recommend you have the following information ready.

  • Driver schedule

Name, driver’s license number, date of birth, hire date, number of years of CDL experience for each driver

  • Vehicle schedule

Year and make of each vehicle, VIN numbers, and value of each of your tractor/trailers

  • IFTA

Last four (4) quarters of Fuel Tax Reports (mileage broken down by state)

  • Loss runs

Loss runs for the last three (3) years

  • Financial information

Financials for the most recent year

  • Insurance certificate

Your most recent insurance certificate that shows your current coverage

  • Commodities hauled

List top 3 – 4 commodities hauled

  • Safety information

Safety director’s name and experience, a copy of your safety manual, copy of driver guidelines, and any safety equipment

Cline Wood represents top trucking and agribusiness insurance carriers across the country. We have access to all types of insurance programs. We treat your company as if it were our own. Contact us today to find out how we can help you manage your risk, which directly contributes to your bottom line.

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.

Copyright © 2017 Cline Wood.