Business Auto

Commercial Auto Premiums: Factors & Advice

As with any other insurance rates, your commercial auto premiums are based on a number of factors, beginning with a combination of potential risk factors (how much driving occurs, and in which areas) and loss history (actual record of accidents, judgements, etc.). That mix of the past and the future will largely determine your risk…

If you run a service company with a fleet of dozens of vehicles, you probably have a solid understanding of the importance of commercial auto insurance. But even businesses with only a few company vehicles will benefit from commercial auto coverage. Following is a brief rundown of the benefits you should expect from commercial auto…

Of all the hazards we encounter in our daily driving, the behavior of deer and other wildlife might be the most unpredictable. Wild animals can move quickly and in seemingly random directions, and encounters with moving vehicles happen all too often. The good news is that collisions between vehicles and deer were down slightly nationwide…

New Maryland Law for Enhanced Uninsured Motorist Coverage

Maryland drivers should be aware of a law that took effect for personal auto policies purchased on or after July 1, 2018. In order to expand protection for drivers who are injured by uninsured or underinsured motorists, insurers issuing new policies are now required to offer enhanced underinsured motorist (EUIM) coverage to replace traditional underinsured…

Being Uber-Careful: Who’s Responsible?

Few businesses have had the widespread impact of the ride-sharing industry. Marrying the GPS and mapping function on every smartphone with a platform for payment, companies like Uber and Lyft are responsible for declines of up to 30 percent in taxi usage. Most agree that the convenience of ride-sharing has reduced incidences of driving while…

Cellcontrol: An Easy Solution for a Serious Problem

You probably don’t need statistics to tell you that distracted driving is a huge problem. Take a glance at other drivers and you’ll almost always find someone looking down at his or her phone instead of watching the road. For many, “distracted driving” translates to “teens texting.” And while it is a huge problem with…

Fleet on the Street – Your Preventative Maintenance Plan

In a recent post we discussed the importance and benefits of a formalized maintenance program for your vehicle fleet (if you missed it, see it here). Having discussed the why of a structured program, let’s talk about the how. What are the components of a successful vehicle maintenance program? Mission statement. Mission statements may seem…

Preventive Maintenance

One of the challenges for any growing business is bringing structure to various processes, and if your business operations involve multiple vehicles, it might be time to consider a formalized preventive maintenance program. Regular maintenance can prevent expensive breakdowns and improve driver and passenger safety, and while there are costs associated with establishing a maintenance…

What You Need, When You Need It

It’s happened to every business … you’re working after hours, and you really need a certificate of insurance to wrap up the paperwork and bring in a new client. But your insurance broker is closed. Or an employee needs a new Auto ID card on a weekend, and all you can do is add it…

Not Drunk. Not Speeding. Just Tired.

The dangers and costs of drowsy driving If your company has employees on the road, you’re well-acquainted with the risks and exposures of driving under the influence, and of fast or reckless driving. But perhaps the greatest danger to your drivers and others on the road is drowsy driving. According to the National Sleep Foundation,…