Your Trucking Company is in great hands with Grady, Wright!

 

One of the things that sets us apart from our competitors is that, we care about YOU. Now, we know how cliche' that may sound, but we really do! Not only do we offer you great coverage at competitive prices, we also build relationships with our clients. We want to see you grow and grow with you, which is why we build custom insurance packages specific to the needs of your business, then we educate you on how those policies uniquely impact your company.

 

We also understand the hustle, bustle and constant on-the-go nature of your job. As a result, we offer the following for your convenience:

  • 24 Hour Certificates of Insurance

  • Policy servicing requests can be done online

  • Most of our carriers offer payment flexibility, so payments can typically be done: online, over the phone, mailed in or in person

  • Policy reviews to ensure that your coverage is in pace with the growth of your business

  • A knowledgeable staff that is dedicated to providing you with impeccable service each and every time you need them

Commercial Auto Insurance

Commercial auto insurance provides your vehicle with liability coverge with the option of collison, and/or comprehensive (other than collision) coverage. 

 

Your Exposures are: Automobile liability exposure is very high since it includes loading and unloading of freight. There is considerable opportunity for contact with the client, who can be injured should the movers drop or overturn items being carried. Children may be present during loading or unloading operations, requiring additional caution. Manipulating a large semi-trailer rig in a residential or commercial area requires training and awareness of surroundings.

 

How to avoid claims: All drivers must have training in lifting and handling of items being carried. They must have appropriate licenses for the trucks being driven and the cargo being moved. All must be well trained and attend continuing education courses to maintain and improve skill levels. Driving logs must be maintained, and drivers must not be permitted to exceed regulatory limits on their hours of service. Drug and alcohol testing is becoming more common. Vehicles must be maintained and records should be kept in a central location.

 

From Refconnect by Vertafore/ Silver Plume

Commercial General Liability

Commercial General Liability pays for injuries or property damage you cause as a result of business activities not directly related to operating your truck.

 

Your exposures are: Customers slipping / falling on your company's premises, erroneous delivery of products resulting in damages, actions of a driver while representing the company and on the premises of others, such as, loading docks, truck stops, etc, libel and slander exposures and fire on rental property due to company eror.

 

How to avoid a claim: All employees should undergo a training program where they are informed about proper protocols for loading and unloading. Employees should also be informed about the proper way to carry packages to avoid damages.

 

From Progressive.com

Truck Cargo Insurance

Motor Truck Cargo insurance (Cargo) provides insurance on the freight or commodity being hauled. It covers your company's liability for cargo that is lost or damaged due to causes such as fire, collision, or striking of a load.

 

Your exposures are: Your company's load can accidentally dump on a roadway or waterway. The cargo could also get lost or damaged.

 

How to avoid a claim: All new hires should be trained on the proper procedure used to transport cargo. Logs and inventory reports should also be used to keep track of cargo.

 

From Progressive.com

Business Property Insurance

Property coverage insures your Company's physical building with the option for coverage of the building's contents.

 

Your exposures are: Property exposure can be high if your business repairs, refuels and maintains its own vehicles on premises. 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. The condition and controls on the tanks, whether above or below ground, are important for both property and environmental concerns. Fire hazards can arise from the combustibility of items stored.

 

How to avoid a claim: Items must be stored with adequate aisle space to allow firefighters to carry out their duties. It is very important that the items in storage do not include any flammables or ignition sources or, if they do, that they are properly controlled. As stored items are attractive targets for theft, there should be appropriate security depending on the location of the storage facility.

 

From Refconnect by Vertafore/ Silver Plume

Workers' Compensation

Workers Compensation provides defined benefits to employees for injuries they sustain or diseases they contract that arise out of and in the course of their employment.

 

Your exposures are: Workers compensation exposure comes from the potential for accidents while employees are driving, loading and unloading.  The operations of loading and unloading have a very high potential for all forms of back injury, hernia, sprain, and strain losses from loading, unloading, and warehouse operations.

 

How to avoid a claim: The training, material handling devices, and equipment are important to review. If independents are used, responsibility for workers compensation coverage must be specified by contract.

 

From Refconnect by Vertafore/ Silver Plume

Employment Practices

Employment Practices coverage applies to loss of money, securities, and property that your company owns or leases, or to property of others in your company's possession. 

 

Your exposures are: Crime exposure is from employee dishonesty and from theft of money and securities. Background checks, including criminal history, should be performed on all employees handling money. Trucking operations involve a number of transactions and accounts that can be manipulated if duties are not separated.

 

How to avoid a claim: Regular audits, both internal and external, are important in order to prevent employee theft of accounts. As drivers, loaders and unloaders have access to customers' premises, the exposure to theft of customer property or customer identity theft increases.

 

From Refconnect by Vertafore/ Silver Plume