Staffing drivers can be a lucrative pursuit, but it is often attached to a number of less favorable liabilities. If your agency deals with hired non owned auto positions, you should consider securing coverage for the car and driver. A policy can protect against some of the most common and costliest incidents.
Get Coverage in Case of an Accident
You can be held liable for damages incurred from an accident involving your employee. Even if it is a hired non owned auto, if you employ the person involved in the crash, you may be held responsible. A staffing insurance policy can protect you from this by providing coverage for accidents. Rather than insuring just the employee, coverage extends to the vehicle and damage incurred.
Policies Can Be Obtained Individually
Separate policies means you can enjoy separate limits for each of your insureds. In this case, if you are contracting coverage for an agency employee who is driving, their limit is calculated and charged separately from others. In many cases, this can result in lower rates.
Improve Client Relations
Your clients rely on you, and if their position entails driving, they want to place full trust in you. Insuring your employees shows them that you are the safe and reliable choice.
One of the most important pieces of cargo claims information to remember is to always make sure that shipments are properly insured and both senders and recipients know to file an insurance claim. Whether you are shipping cargo by truck, plane or ship, here are some tips for filing an insurance claim for lost or damaged materials in a way that is more likely to net you compensation in a timely and efficient manner.
1. Assess the Damage
Write a written assessment, thoroughly describing any missing or damaged items. Note these items on the shipment receipt as well whenever possible. Photographs can also be helpful for insurance claims.
2. Protect the Shipment
Take precautions to ensure that the shipment is not damaged further. Seal open packing containers and remove any damaged or leaking items from the shipment. Move the entire shipment to a secure location as soon as possible.
3. Deal with Damaged Items
Remove damaged items and packaging from the shipment if it is necessary to preserve the rest of the items. However, preserve all damaged items in a designated place until the claim has been processed.
4. Notify the Insurance Company
Send a claim to your shipping insurance company. Work with your agent if you need to ensure that the claim is processed correctly.
Quick acting and a plan for relaying cargo claims information to the appropriate parties ensures that your insurance claim is dealt with as soon as possible.