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3 Common Questions About Insuring Your Dump Truck

3 Common Questions About Insuring Your Dump Truck

There are unique safety and liability considerations to be made when operating a dump truck. Therefore, dump truck insurance is available exclusively to the operator of such a vehicle as a specialty line of truck insurance products. Source:

Due to the specialized nature of insurance products for dump trucks, you may have questions about insuring them. Here are answers to a few of the most common.

1. What Are the Different Types of Dump Trucks?

Most people are probably most familiar with the “end dump” configuration in which the back of the vehicle is the dumping location. There are also side dump and center dump configurations. Insurance products are available to cover each type of dump truck.

2. What Factors Influence Insurance Costs?

There are many factors that can have an effect, such as vehicle age, location, the radius within which you operate, etc. Basically, anything that an insurance company assesses as a higher risk has the potential to increase the price of your dump truck insurance premium.

3. Are There Things You Can Do To Save Money on Insurance?

Maybe so. Your insurance company may offer you discounts on your rates if you take steps to promote safety, such as the following:

  • Vehicle inspection before every trip
  • Proper maintenance
  • Driver screening process

You may also be able to decrease your premium by increasing your deductible. It is always a good idea to ask your insurer about any specific discounts available.


Importance of Risk Management in Intermediate Care Facilities

Importance of Risk Management in Intermediate Care Facilities

Elderly care facilities are long-term care facilities for those who cannot care for themselves. Generally, elderly persons remain in the care of the facility full-time. These are not necessarily ill patients, but instead, patients who have a variety of health problems or may need assistance with daily tasks. While all hospitals and medical treatment facilities have risks involved, intermediate care facilities or ICFs need to focus specifically on custom risk management options.

Risk Management Concerns

Nursing facilities are prone to financial claims. In an elderly care facility, for instance, the patients are often frail. They are more likely to suffer injuries. It is crucial that all caregivers and staff understand the responsibility of the facility and the risks involved. Risk management involves insurance options for these facilities. One of the biggest risks that a care facility faces is a claim of negligence.

Risk Management Options

As referenced by, the goal of these facilities is to return a patient to his or her home eventually. While the patient is there, the facility is in charge of medical care, medication and daily tasks. Facilities need to consider general liability, medical malpractice and professional liability to name a few.

When it comes to an elderly care facility, it is crucial that the business has the appropriate insurance coverage. Without it, the costs stack up.


Ten Commons Workplace Injury Claims

Ten Commons Workplace Injury Claims

Although employee injury coverage is required by most states, the nature of your company’s workers comp solutions will determine how effective your insurance has protected your bottom line and claims experience. Workers’ comp plans are written to address the exposures your employees face, and the more risks in the workplace, the more expensive the plan will be. However, the cost of the premium is a small price to pay when dealing with an employee injury claim is issued against the company. Here are the most common claims filed on workers’ comp policies.

  1. Overextension of muscles or physical ability
  2. Electrocution from wiring or installation tasks
  3. Trips slip and fall on walkways or wet floors
  4. Being struck by or against an object
  5. Machinery accident causing mutilation or being crushed
  6. Transportation accidents
  7. Exposure to harmful toxins or chemicals
  8. Workplace violence between employees
  9. Accidental overdoses of non-medical use substances
  10. Death or dismemberment by fire or explosions

The group of professionals at Insure My Work Comp advise that each company establishes a risk management strategy in addition to the purchase of a comprehensive workers’ comp plan. Being able to identify the areas of risk allows a company to establish processes that can minimize the threat, helping create a more safe work environment and lowering the costs of the insurance premiums.


Choosing the Best Insurance Company

Choosing the Best Insurance Company

It is surprising how often you hear stories about how someone chose the insurance company that covers his or her company, home, or life. Perhaps the individual knew the agent in school, or his or her parents used that company. Remarkably, very little thought often goes into selecting and retaining a company that may be insuring part of your future.


Making a wise decision regarding the right insurance firm can be difficult because of all the insurance storefronts in most towns. Another problem for many small businesses or startup owners is the time it can take to interview companies and compare rates. Program Business understands the problem many company owners can face, so the indemnity company put together a list of insurance storefronts to simplify the search.


Understanding the different types of insurance programs available, and if you will require specialty or add-on insurance policies is the first step in locating insurance in your area. Do you require off-site insurance, a construction policy, employee operation terms, or inland marine coverage? Once you decide the type of coverage you need, you can begin discussing deductibles and premiums.

One thing you should remember is that the agent may cover you with a package of insurance, but he or she works for a company – not you. Discuss claim methods and payout processes to understand the business better before you decide on an agent that will protect your future.


Why You Need a Certificate of Financial Responsibility

Why You Need a Certificate of Financial Responsibility

Why You Need a Certificate of Financial Responsibility

There are a number of moving parts involved with running a business that involves seafaring vessels. In order for you to stay successful, you need to take time to consider the various rules and regulations governing your specific type of work. Obtaining a COFR, for example, might be a vital step for your business to make in the near future. Also known as a Certificate of Financial Responsibility, this certificate is a must for any business that fits the criteria.

Who Needs This Certification?

According to the experts at, only certain ships need to consider obtaining a Certificate of Financial Responsibility. Essentially, any boat weighing over 300 tons and traveling US waters absolutely needs this type of certification. If your vessels are under 300 tons, they will still need the certificate if they are used to ship oil in the Exclusive Economic Zone of the United States. Exceptions to this rule include:

  • Self-propelled barges
  • Small ships that don’t carry oil for fuel or cargo
  • Ships that carry no hazardous substances for fuel or cargo

Meeting the Standards

Should your business meet the standards set forth by the United States government, you absolutely need to get started on filling out an application for a Certificate of Financial Responsibility. The sooner you get started, the easier it will be for you to protect your business against any unforeseen events.


Tips for Taking Babies on the Water

Tips for Taking Babies on the Water

If you love sailing, it’s only natural that you want to share the experience with your children. There is some concern about whether it is safe to take infants on boats, but the truth is that as long as you and other adults on board take the necessary steps to ensure the safety of children, it’s safe and can be a fun time for the whole family.

The Dos and Don’ts of Taking Children on a Boat

As with most activities involving children, there are some tips you should follow to create a safe and pleasant environment. The following is a short list of things you should do:

  • Have children wear the appropriate-sized life jacket at all times
  • Make sure there is enough shade
  • Prepare for nap time
  • Pack enough supplies, including diapers, formula and snacks
  • Designate a safe child area

While there are things you should do, there are also things you should not do. Take a look at the things you should avoid:

  • Forgetting sunscreen
  • Bringing a child on a boat by yourself
  • Letting the child be unsupervised
  • Forgetting appropriate clothing, such as a jacket
  • Disregarding the weather forecast

Have a Fun and Safe Sailing Trip

Can you take infants on boats? Absolutely, but there are certain dos and don’ts you should follow. By implementing the tips provided by Mariners Insurance, you can have a fun time on the water with your children.


What’s the Best Insurance to Cover Your Yacht?

What’s the Best Insurance to Cover Your Yacht?

You worked hard to get where you are in life – to purchase the things you want, such as your yacht, luxury cars or special collector’s items. Now, it’s time to protect the things you love with the right innovative solutions insurance services. Buying the correct insurance for a luxury item such as a yacht can make sure your assets are covered, no matter what.

Types of Yacht Insurance

Don’t purchase just any boat insurance to cover a yacht. Take out more than the minimum for full coverage – otherwise, you could end up paying for costly repairs out of pocket. The general types of yacht insurance you may want to purchase include the following:

Collision liability insurance
Property damage insurance
Bodily injury liability insurance
Comprehensive coverage
Uninsured/underinsured boater insurance

You will want to speak to an agent for innovative solutions insurance services to match your exact needs. An insurance agent will get to know your assets, analyze risk factors and recommend the best type of boater’s insurance for your yacht.

Comprehensive Coverage for All Your Assets

One of the greatest perks about working with an agent is that you can purchase insurance to cover all your high-value assets at the same time at your yacht. Your agent can create a comprehensive plan to cover all your assets, using innovative solutions insurance services that can get creative with your coverage. That way, you get the best insurance for the best price.


A Consolidated Loss Prevention Plan

A Consolidated Loss Prevention Plan

A Consolidated Loss Prevention Plan

As a business owner, you might be very cautious when it comes to spending. Your budget might require careful consideration with every purchase, and this could extend to insurance. Although an expensive necessity, the costs incurred from lawsuits or claims when you don’t carry a liability policy can be devastating to your company. If you are thinking about protecting against a range of liabilities, consider a broadform liability insurance policy.

Comparing Coverage Options

Many small businesses opt to purchase a public liability policy to protect their company from claims of loss. These situations are associated with physical or property damage caused by a third party in a location where your business is deemed responsible. However, this coverage isn’t comprehensive enough to address concerns that arise from the use of your company’s products. This gap exposes the product as liable rather than the services or location of the business. Instead of purchasing a product liability contract, a broadform policy can address the need.

Combining Your Coverage

A broadform liability insurance policy is responsible for claims of liability regardless of whether it is public or product fault. It covers loss associated with your product or physical work. Although it is more comprehensive than an either/or situation, it is still important to talk with your insurance broker about the details. There are many details to be worked out to ensure you are fully protected.


Protecting Your Business From the Public

Protecting Your Business From the Public

Protecting Your Business From the Public

Whenever a business allows people outside of the company onto business premises, there are risks involved. Public liability insurance, or PLI insurance, is beneficial and essential for any business that has physical contact with the public.

Coverage Limitations

PLI insurance is considered to be the bare minimum for commercial insurance that businesses need if they invite anyone outside the company into the business. Whether these people are from a third party or the public, your company takes a risk by allowing them on the property if they are not employees. People covered by this insurance include:

Customers to a retail store
Delivery personnel
Office visitors

Under your commercial insurance, you most likely have a policy that protects your employees in cases of injuries or illnesses. This policy is similar in that your business is held responsible for what happens to visitors. However, rather than protecting visitors, it protects your business. The insurance policy itself is designed to safeguard the company from claims of the following on the business premises:



Basic Coverage for Your Business

If you own a business that allows members of the public to access the premises, you need PLI insurance as the base level of protection. That way, if an accident happens and someone from the public files a claim against you, your business is protected.


An Insurance Company in the Protection Business

An Insurance Company in the Protection Business

An Insurance Company in the Protection Business

When you need an insurance policy, you want to work with an agent that has your best interest at heart. Owens Group Insurance is in the business of protecting people’s professional and personal lives, making it an ideal choice for business professionals and individuals.

Protecting Your Personal Life

Each person’s individual risks may be different depending on lifestyle, which is why your policy should be created especially for you. That is why an agent conducts a risk assessment to determine your coverage. You can keep many areas of your personal life secure with coverage options including:

Auto insurance

Homeowners insurance

Travel insurance

Watercraft insurance

Kidnapping and ransom

Cyber security

Personal umbrella

Safeguarding Your Business

A business should be covered in case of a disaster or lawsuit. However, each industry is different and requires various levels of coverage. For example, an IT company may need more cyber liability than a construction company. After an assessment, an insurance agent can build a policy around some of the following coverage areas:

Executive liability

General liability

Professional liability

Cyber liability

Intellectual property

Workers’ compensation

Earthquake and flood coverage

Commercial property

Since 1957, Owens Group Insurance has been protecting individuals and businesses. To mitigate disasters in both your personal and professional lives, you should choose an insurance company you can trust and rely on in stressful situations.