​According to the United States Bureau of Statistics, over 953 truck drivers were killed on the job in 2018. That is a rate of about 22 per 100,000 workers. 7% of fatal trucking accidents are caused by driver fatigue. Risk management and safety are important factors to consider when reviewing the overall success for any trucking company.
Operations with a strong safety program receive the best insurance premiums. Because drivers are the most essential factor in contributing to accidents we have provided you with three suggested actions to help reduce the likelihood of claims.

Hire the right person- Make sure they have the skills to do the job. Did you put them in the vehicle to see if they could drive it safely?  Do they know how to safely load the vehicle?  Complete background checks. Make sure they speak and read English well enough to converse with the general public, understand highway traffic and signals, respond to official questions, and be able to make legible entries on reports and records.

Manage fatigue- The critical item here is to educate and make drivers aware of fatigue. Some of the warning signs are drowsiness, yawing, head nodding, lane deviations, and more. Make fatigue awareness part of safety training or pre-shift meetings. Prevention tips for fatigue; stop and walk around, change your routine, open a window, talk to passengers or stop and take a break.

Understanding the road conditions- Wind, heavy rains and heavy traffic conditions pose extra safety threats for truck drivers. Poor weather including rain, snow, or hail, increases the time required for trucks to stop on slick roads, can impede visibility and can cause the truck to sway erratically due to wind gusts. Truck drivers should know how to drive in rainy conditions when to stop driving due to danger, emergency procedures, and how to limit the impact of poor conditions on their driving.
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As an Independent Insurance Agency we represent many insurance companies to fit your businesses dynamic needs.  Whether you're a new business or a small business, we can help.   Being an Independent Agent means we are not only your agent, but we are your insurance broker as well.  We understand every business and industry is unique, so we will work with you to find the best business insurance coverage at the lowest rate. Contact us today for a free quote.

Every Texas business has risks, and commercial insurance can respond to many accidents, injuries and claims. But commercial insurance does not cover every risk you may have. The good news is that we have real solutions for your business risks. A short call to us may just help you get a good night’s sleep knowing your business is better protected.

Business Risks
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Cyber Risk- Cyber Liability continues to be a major issue for many businesses. Is Cyber Liability part of your Business Insurance Program? In today’s data-driven social media world, businesses of all sizes have had a cyber-attack or data breach. Statistics show that 40% of all cyber incidents affect businesses with fewer than 100 employees. With the recent Target breach, many individuals and businesses are considering cyber or identity theft insurance.

Employee Injuries- If one of your employees gets injured on the job, the medical bills and time loss could be significant. Workers’ Compensation Insurance can provide real solutions for your company.

Ownership Changes or Death of Key Staff- If your business does not have key man life insurance, you may have serious problems if an owner of other key person dies.

Environmental Liability- Your business insurance does not cover any claims for pollution or environmental related accidents.

We are prepared to help you manage all your business risks.
As an Independent Insurance Agency we represent many insurance companies to fit your businesses dynamic needs.  Whether you're a new business or a small business, we can help. Being an Independent Agent means we are not only your agent, but we are your insurance broker as well.  We understand every business and industry is unique, so we will work with you to find the best business insurance coverage at the lowest rate. Contact us today for a free quote.

A Business Insurance and Risk Update
Employers are responsible for providing a safe work environment for their employees.  Here is an unbelievable fact from the Occupational Safety and Health Administration (OSHA).  Before OSHA was created 43 years ago, an estimated 14,000 workers were killed on the job every year.  Today, workplaces are much safer and healthier.

Common workplace health and safety hazards include communicable disease, transportation accidents, workplace violence, slipping and falling, toxic events (particularly chemical and gas exposure), being struck by objects, electrocution or explosion, repetitive motion and ergonomic injuries, and hearing loss, according to an article in Inc. Magazine,  by Josh Spiro.
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Here are a few things you can do to continue to protect your employees.  Remember, a safe workplace increases productivity, employee morale, and more importantly, keeps employees safe.

• Provide training to all employees regarding your safety policies.
• Provide safety equipment for jobs that require it.  OSHA provides information to employers regarding personal protective equipment. 
• If an unsafe condition exists, make changes.
• Have OSHA provide an inspection.  OSHA will provide an inspection without penalty if you request it.
• Get your workers’ compensation carrier involved in the process.  They can offer many good resources.

As an Independent Insurance Agency we represent many insurance companies to fit your businesses dynamic needs.  Whether you're a new business or a small business, we can help. Being an Independent Agent means we are not only your agent, but we are your insurance broker as well.  We understand every business and industry is unique, so we will work with you to find the