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AlphaSure Affordable Insurance Svcs Blog

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Long Haul Trucking Liability

Posted on February 9, 2022February 8, 2022 by Fred Gonzalez

Trucking Liability Required in Texas

In Texas, the type of truck or load will determine the trucking liability requirement. Check out this link to view the different trucking liability requirements. https://www.txdmv.gov/motor-carriers/txdmv-number On the other hand, a truck needs bobtail liability when the truck is not on dispatch nor carrying a load. For example, when you drive your truck to the shop for regular maintenance, the truck is not on dispatch.

Trucking Liability vs Bobtail Coverage

A trucker can have his trucking liability covered by another entity. For example, it is possible for a trucker to lease his truck to a trucking company. In return, the trucking company may include the leased truck under their own trucking liability policy. This is usually done on a contractual basis. It would be wise to confirm that you are in compliance with the Texas Department of Motor Vehicles and or the USDOT. Indeed, the fines for being out of compliance are costly. Moreover, the truck may be halted and the load will be delayed. Needless to say, a truck driver may lose future earnings if a company cannot depend on a swift shipment of goods.

Factors That Adversely Affect Trucking Liability Prices

Insurance companies use many rating variables when pricing insurance policies. Aside from the more obvious rating variables, there are some that you may not be aware of. For example, some insurance companies use out of service violations as a rating variable. Moreover, excessive downtime violations may make a risk ineligible for coverage. For this reason, I always recommend that truck drivers be especially vigilant about keeping a clean downtime violation record.

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Call a local agent who can help with your insurance needs

In San Antonio, TX
AlphaSure Affordable Insurance Svcs
16500 San Pedro Ave Suite 296
San Antonio, TX 78232
Office (210) 888-1750
Fax (210) 564-9097

In Laredo, TX
AlphaSure Affordable Insurance Svcs
201 W Del Mar Blvd Ste 20
Laredo, TX 78041
Office (956) 729-9500
Fax (956) 729-9550

Laredo, TX Commercial Insurance Agents | AlphaSure Affordable Insurance Svcs (alpha-insure.com)

AlphaSure Affordable Insurance Services is licensed in the State of Texas.

Trucking Liability

Posted on February 1, 2022February 1, 2022 by Fred Gonzalez

Personal Auto vs. Trucking Liability

What constitutes a private passenger vehicle? A personal auto insurance policy is intended to cover private passenger vehicles. Additionally, a private passenger vehicle has a gross vehicle weight of 25,000 pounds or less. Thus, you cannot include a big rig semi-truck onto a personal insurance policy. This is where a commercial auto insurance policy is used. Moreover, when the vehicle has a gross vehicle weight of 26,000 or more, then truckers or trucking liability is needed.

Trucking Liability Requirements

According to the Texas Department of Public Safety a motor carrier must show proof of public liability insurance. Moreover, vehicles such as an 18-wheeler requires truckers’ liability. Additionally, truckers’ liability is also known as trucking liability. In addition, according to the Texas Motor Carrier Guide to Highway Safety, Form MCS-90 must be filed for motor carriers. Download a copy of the Texas Motor Carrier Guide to Highway Safety. Texas Department of Public Safety – Courtesy, Service, Protection

Must Provide Proof of Trucking Liability Insurance

Motor carriers are inspected regularly. In addition to other requirements, one thing the official will look for is proof of public liability insurance. Moreover, the inspecting agent may look for the presence of a state filing called Form MCS-90. This is why truckers must be aware of the filing requirements as well as the trucking liability insurance limits. Thus, if a trucker is out of compliance, he may be heavily cited.

Call a local agent who can help with your insurance needs

In San Antonio, TX
AlphaSure Affordable Insurance Svcs
16500 San Pedro Ave Suite 296
San Antonio, TX 78232
Office (210) 888-1750
Fax (210) 564-9097

In Laredo, TX
AlphaSure Affordable Insurance Svcs
201 W Del Mar Blvd Ste 20
Laredo, TX 78041
Office (956) 729-9500
Fax (956) 729-9550

AlphaSure Affordable Insurance Services is licensed in the State of Texas.

About AlphaSure Affordable Insurance Svcs | 201 W Del Mar Blvd, Suite 20, Laredo, TX (alpha-insure.com)

Common Risks Small Business Owners Face

Posted on January 31, 2022January 30, 2022 by admin

Running your own business carries with it a great sense of accomplishment and excitement. These are balanced out, however, with certain risks as well. It is important for small business owners to understand the types of risks that are common so that they can properly prepare for them. At AlphaSure Affordable Insurance Services, serving San Antonio, TX, we can help you plan for these types of bumps in the road. Let’s look at some common risks small business owners face.

Liability

One of the biggest risks you will face as a business owner is the risk of liability. Any time you provide services or products to the public, there is the risk of someone being injured or property being damaged depending on what you provide.

If you run a brick-and-mortar location, there is also the risk of someone being injured at your place of business. This is why it is very important for business owners to have sufficient commercial insurance in place.

Property Damage

You have worked hard to build your business and acquire the equipment you need. Your place of business and your equipment is always at risk of property damage. Property damage can come in the form of fire, natural disasters, and even burglary. A commercial insurance policy will protect these important investments so that you are not left financially vulnerable.

Employee Injuries

Another huge risk is that of employees being injured while on the job or at your business. If an employee is injured, you could be held liable for medical expenses. Solid insurance coverage will cover these types of expenses so that your company is not put at risk.

If you would like to learn more about commercial insurance or any of our other services, please contact us at AlphaSure Affordable Insurance Services, serving San Antonio, TX.