Transportation
Truck lines are trucking operations that assist in the packing, loading, transport, unloading, and unpacking of freight. Many truck lines have storage facilities for both temporary and long-term storage of goods.
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Coverage Options
Property Exposure
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.
Crime Exposure
Crime exposure is from employee dishonesty. This operation involves a number of transactions and accounts that can be manipulated if duties are not separated. Regular audits, both internal and external, are important in order to prevent employee theft of accounts.
Inland Marine Exposure
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.
Occupiers’ Liability
Occupiers’ liability is extremely low unless customers are allowed access to the terminal.
Automobile Liability
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.
Workplace Safety
Workplace safety exposures are directly tied to the automobile concerns and the potential for injury in accidents. In addition, there is a very high potential for all forms of back injury, hernia, sprain, and strain losses from loading, unloading, and warehouse operations. The training, material handling devices, and equipment are important to review. If independents are used, it must be clear that they are not employees either through contract or mode of operation.
KRGinsure: Your Coverage Expert
At KRGinsure, we understand the unique challenges faced by transportation businesses. Our dedicated brokers are here to help you design a tailored insurance program that meets the specific needs of your operation. We provide expert advice on risk management and ensure that you have the right coverage in place to protect your operations.
Contact KRGinsure today to learn more about our comprehensive transportation insurance solutions and how we can help safeguard your business.