TruePoint Insurance is one of Kentucky’s fastest growing insurance agencies. We are affiliated with SIAA, a network of over 5,000 insurance agencies across the US, who by joining together have increased their strength and stability...
Your RV is a passport to freedom and adventure. However, the rigors of the road can take its toll on your vehicle’s exterior, interior, and systems. Use these tips to ensure your RV stays comfortable, no matter how long you’re on the road.
Protect your paint job by parking your RV in covered areas as often as possible. A carport or tarp protects your rig from wind, rain, and sun while it’s stationary. These solutions also make it easier to control the internal temperature in your RV so your climate control devices drain less life from your generator.
Take your RV to an auto detailer in between long trips. A professional cleaning will remove dirt and stains from your upholstery and interior surfaces. In between stops, use a small hand vac to keep dust and crumbs under control.
Pack cleaning supplies before each outing. Include a stain removal product, upholstery brushes, and soft cleaning cloths. These will help you deal with messes before they become built-in stains.
Make sure your insurance policy is up-to-date. A break-in or minor accident could cause a lot of damage. Having the right policies in place ensure you can get needed repair right away. Talk to the agents at TruePoint Insurance for information on RV policies in the Fisherville KY area.
Have your rig thoroughly checked by a professional before longer trips. This includes the electrical and plumbing systems. For fully contained rigs, have the technician access the state of your generator and power distribution equipment.
Maintain your water systems with the right chemicals. Black and grey water tanks often need additives to prevent the growth of harmful buildup and ease the flow of discarded water. Talk to your automotive technician for recommended products for your RV.
Before you hit the road, make sure your rig is covered from all ends. An RV policy from TruePoint Insurance is the best way to protect your Fisherville, KY RV. Contact us for a free quote today.
Most truckers have or think they have Bobtail Insurance. The coverage provides a unique form of commercial auto liability coverage. Owner Operators are leased to Motor Carriers. Leasing with a Motor Carrier requires executing a contract where both parties commit to an ongoing relationship.
As long as the driver is under dispatch, the primary liability coverage will be provided by the Motor Carriers Trucking Liability Policy. This will be the case during the period that the contract is in effect.
Bobtail Insurance provides coverage when the truck is being operated without a trailer attached. Bobtail Insurance Does Not Provide Coverage While Pulling A Trailer. Examples of when your truck would be covered by a Bobtail Policy include:
Driving between your final terminal and your home
Driving truck to a location for maintenance or repairs
Driving back and forth to work
If you are one of the many truckers that pull trailers while not under dispatch, please read on before panicking. There is a good chance that you don’t have Bobtail coverage. Instead, you should have a Non-Trucking Liability Insurance Policy. Also referred to as NTL and as we have seen, confused with Bobtail Insurance, the coverage provides liability protection to owner/operators while not under dispatch.
Deadheading, or pulling an empty trailer adds a significant amount of risk. Experienced truck drivers are aware of this added risk and make adjustments. They must be aware of the impact wind will have on an empty trailer. They must also alter their approach to braking with systems which are designed to be effective while under a load.
The biggest difference between Bobtail and Non-Trucking Liability is the trailer. Bobtail specifically excludes all liability coverage while a trailer is attached. A Non-Trucking Liability Policy will provide coverage while hauling a trailer if the driver is not dispatched. The bottom line is that NTL provides coverage while Bobtailing or Deadheading.
If you still unclear and would like additional input, feel free to give us a call at (502) 410-5089.
Delivering a load and picking a new one up at the same locations isn’t counted on by most truckers. Sometimes they drive hours to pick up cargo for the next leg of their trip. During this leg of the journey, the trucker is hauling an empty trailer, which is referred to as deadhead, or deadheading.
There is not much that is good, to say about deadheading. It is an unfortunate part of the job.
Drivers are exposed to increased risk. A significant increase in risk. Many driver training programs fail to prepare students for deadhead driving. The weight of loaded trailers creates a stabilizing force. The deadhead or empty trailer is significantly lighter, which can quickly become a sail if exposed to high winds. The tractor-trailer is a combined system, which was not designed to be operated without weight on the trailer. While deadheading braking systems do not operate as designed. During a deadhead leg, experienced drivers compensate in various ways.
Related Term: Bobtail references the operation of the tractor only.
The Commercial General Liability policy leaves several
liability exposures for contractors. The
General Liability policy doesnâ€™t cover faulty work due to negligence, or to
damages to the work of the contractor.
Contractors E&O has been already, but until recently,
only limited options existed.
Contractors now have access to reasonably priced insurance that closes
some very significant gaps.
Insurance is a critical part of any small business. It protects customers, employees and your business when things go awry. Plumbers and other Artisan Contractors use insurance. There are multiple forms of Liability insurance. They can protect employees, clients or others that come in contact with your efforts. Contractors that own buildings or business personal property can utilize Commercial Property Insurance. Several construction-related trades, including plumbers, are subject to state licensing requirements. Part of the licensing process is to provide proof of insurance.
Commercial Insurance Snapshot:
Most contractors, including plumbers, have Commercial General Liability policies. The policy which is often referred to as CGL or GL protects when your actions cause bodily injury or property damage to another. These claims are normally settled by financial restitution to the damaged party. However, when necessary the insurance company may provide legal defense.
Property insurance is another common form of coverage. This would be a recommended coverage for plumbers that own a commercial building. The Commercial Property Policy will also provide protection for business personal property. Covered items
office furniture, equipment, machinery, inventories, and more.
Income insurance protects you and your business. Following an insured property loss, the
coverage provides financial restitution to your business. A portion of
the lost income will be covered
during the term defined by the policy.
policies above may come as standalone policies.
But most small businesses can package the coverages with significant
savings. The packaged policy is referred to as a Business Owners Policy or BOP.
coverages used by plumbers include:
Commercial auto insurance: Business Vehicles
Inland marine insurance: Property that moves from one job site to next
Installation floater insurance: Installed, Fabricated or Erected
Workers compensation: Covers employeesâ€™ medical costs and lost wages
Contractors E&O, it’s now more available, but still underused
Contractors Errors & Omissions insurance(Contractors E&O) is a form of liability coverage. The coverages can be crucial to many contractors, including plumbers. It is designed to protect from potential liability exposures arising from alleged negligence.
It covers the work of the insured, yours, which is something that would not be covered by the CGL policy, is now covered.
havenâ€™t I heard of Contractorâ€™s E&O before now?
and omission coverage has been around for a long time. However, they have
focused on the service sector and health care businesses. Real estate agents, and insurance agencies
are examples of professional liability insurance users.
example that most have heard of is Medical Malpractice.
It is professional liability insurance for
Doctors, Hospital, and other medical sectors.
Professional liability insurance has been around awhile. it has not been widely available to small contractors. Thatâ€™s due to the relatively low number of insurance companies willing to write the exposures.
Contractors E&O insurance has major gaps. The same is true regards General Liability. Put the two together and watch the gaps disappear.
With a mature market, there is no longer an excuse for retaining negligence related risk. Quality coverage at affordable premiums makes transferring the risk a relatively simple decision. Now plumbers, electricians, and several other specialty contractors can better manager their Liability exposures.
do small contractors need Errors & Omissions coverage?
What will you do if your insurance agent suggests Contractors Errors & Omissions coverage? I would suggest that you listen. Before looking for excuses and justifications for not buying, listen! If you do, there is a very good chance that you will be thanking your agent when you’re done.
Adding Contractors E&O fills a large number of gaps in your General Liability policy. This alone makes the E&O attractive. But don’t forget, we live in a litigious world. We are all one bad day from having your world turned upside by a customer lawsuit.
Workers Comp is a form of insurance designed to assure that resources will be in place to assist injured workers. The injured employee receives replacement wages and medical benefits. The insurance provides protection for employment-related injuries.
Premiums paid for Workers Compensation insurance are not made by the employee. The employer bars 100% of the cost of Work Comp coverage. While there is no financial cost for employees, the cost is associated with their ability to sue.
I remember when auto insurance came in two flavors, state-mandated liability insurance or full coverage car insurance. Of which the latter, I am told, no longer exist.
Changes in the law, insurance options, and technology have
significantly altered how we buy car insurance.
But the combined impact of these factors pales in comparison to the litigious
state of America.
It seems every time you turn around, another legal exposure pops
up. In the US, cars are the leading
cause of injuries. With that said, it is
easy to comprehend that for individuals in Kentucky, the vast majority of our
exposure comes from our cars.
Kentucky car liability insurance seems to be more critical than ever before. And itâ€™s not going away anytime soon. In the meantime, there are only a few things we can do to reduce our risk. The biggest impact will come by having a better understanding of insurance and how consumers can best acquire car insurance in Kentucky
While the requirements vary from one state to the next, every state requires car owners to have auto liability coverage. A handful of states, including Kentucky are No-Fault states. As a No-Fault auto insurance state, auto owners in Kentucky must approach risk management differently than many of their neighbors. To start, Kentuckians must deal with Personal Injury Protection or PIP. Click here for more information on Kentuckyâ€™s No-Fault Insurance Program.
Kentucky Minimum Auto Liability Insurance Limits (Required Coverage)
Like other states, Kentucky has mandatory minimum auto liability limits, with minimum limits for Bodily Injury and Property Damage.Â In 2018 Kentucky raised the requirement for auto liability insurance.Â Additional information can be found at:
Some of the coverages below may be beneficial to you. Others may eliminate significant gaps in your
current insurance policy. This list
intends to generate discussions. These
coverages vary among insurance companies.
Make sure to understand the coverages and limits
â€¢ Road Side
â€¢ Rental Car
â€¢ Rental Car Gap
â€¢ Loan Gap/ Lease
â€¢ New Car
â€¢ Reduction in
â€¢ Identity Theft
â€¢ Cell Phone
â€¢ Trip Interruption
â€¢ â€¦and more
TruePoint Auto Insurance Insights
Your insurance company, Mother Nature, and you; each have an
impact on your insurance premium. But
before you can have an impact on your car insurance premium, itâ€™s vital that
you understand the factors you need to address.
Stop leaving money on the table
Insurance companies are perpetually reconsidering the nature
of every risk that they insure.
Accounts flagged as high risk will experience more rapid premium
increases and in some cases, may be non-renewed.
Clients deemed conservative or lower risk experience the
opposite as insurance companies make every effort to retain that business. If you seriously want to stop leaving money
on the table, then this is important to you.
The first step is to understand the characteristics of a low-risk
account, then mimic them.
Factors that influence auto insurance premiums
Life Happens, and when it does it can Impact Auto Premiums
â€¢ Age: Younger and older drivers pay more for
â€¢ Household: More drivers in the home can lower rates
â€¢ Location: State, city, zip. Each impact premiums
â€¢ Education: Education is a factor in some states (Prohibited Practice in Kentucky)
Insurance Score, which includes Credit Score, is a significant component
â€¢ Vehicle: The type of vehicle, sports cars may lead to a higher premium, vehicles with a high GVW will!
â€¢ Tickets: DUIâ€™s & Reckless Driving create
substantial problems, but minor violations add up
â€¢ Accidents Impact varies due to cause, severity, past
driving record, and other factors
#Your Actions Matter Protect everyone in your home, and save money on your auto insurance
â€¢ For insurance
companies, Conservative is King! Avoid
anything that appears radical or aggressive.
Think Mr. Rogers. Gen X, think
â€¢ Check tire
pressure, tread and sidewalls regularly
â€¢ Confirm that
headlights work on both dim and bright
â€¢ Regularly check taillights,
brake lights and turn signals
â€¢ Encourage drivers
education and safety for all household members
â€¢ Zero Tolerance
for Distracted Driving
Stop leaving money on the table Take advantage of discounts offered by Insurance Companies
â€¢ There are several ways to reduce the cost of
auto insurance. Program availability and
savings vary based on Insurer.
â€¢ Some of the most
significant discounts are available to those that can qualify for any of the
following: Safe Driver, Multi-Policy, Continuous Insurance, and Good Payer
â€¢ Donâ€™t worry if
you didnâ€™t qualify for any of the previous programs. There are still a lot of
ways to save. Savings associated with
this group range from the high single digits to low double digits. Early Quote, Multi-Car, Driver Training,
Good Student, and Paid in Full Discounts
â€¢ New Car, Home
Ownership, Student at School, and Hybrid Vehicle Discounts:
These are a few of the more commonly offered discounts