Transportation

Property exposure depends on the terminal operation. Wherever repairs occur, there is exposure to flammable liquids. Welding and spray-painting are two common exposures that must be controlled. All flammable liquids must be stored away from any heat-producing activity. If there is storage of customers’ goods at the terminal, there is an additional exposure. Items must be stored with adequate aisle space to allow firefighters to carry out their duties.

Inland marine exposure is from the use of motor truck cargo carriers. Some truckers are subject to minimum requirements, and the bill of lading spells out the terms of the agreement that must be honoured. Insurance coverage can exceed these minimums. Insurance coverage will vary. Decisions must be made as to the desire for “required coverage” and customer satisfaction limits. In addition, there is an exposure for accounts receivables, computers, and valuable papers. Duplicate data must be stored offsite for easy replication.

Automobile liability hazards are very high since the loading and unloading exposure is part of the automobile liability. All interaction with the client is through the trucker. Proper handling of items and respect for the client’s employees is important. All drivers must have training in lifting and handling of items being carried. They must have an appropriate driver’s licence for the vehicles being driven and the cargo being moved. All must be well-trained and attend continuing education courses to maintain and improve skill levels.