Truckers and Delivery Drivers Keep Things Moving
Truckers and delivery drivers are needed now more than ever. They play an essential role in moving goods from place to place, whether it’s a tractor trailer hauling bulk goods or a local delivery driver delivering groceries to a person’s home. Many trucking operations and personal delivery services are experiencing a rush to hire more drivers to meet the new demand driven by the health crisis. In fact, according to Quartz.com, job postings in the U.S. related to food delivery have risen 78% from 2017.
Many delivery services are looking for ways to make it easier for consumers to order food and alleviate the strain on restaurants as they experience a surge in takeout orders. According to Forbes, some food delivery apps have eliminated fees for both consumers and restaurants in addition to providing contactless delivery.
It can be easy for a trucker to overlook their need to carry general liability, yet it is an essential part of the overall insurance program. Independent drivers are required to have this insurance, as auto and garage policies may leave gaps in coverage under certain loss circumstances. Consider the following claims examples:
- A driver accidentally leaves boxes/debris on the ground after delivering merchandise, and someone else trips and falls over the items, incurring $7,000 in medical bills and $750 in lost wages.
- A trucker was walking through the lobby of a warehouse where he was delivering and accidentally knocked over an item on display, causing $2,000 worth of property damage.
Oftentimes, truckers general liability coverage is a contractual requirement to enter facilities when picking up or delivering products. The individual or corporation for whom the applicant is hauling may also require evidence of general liability coverage before they will hire a driver.
USLI’s Truckers product is designed to be a simple solution for obtaining both general liability and property coverage (property for those businesses that have offices or garages to house or repair their own vehicles). Product advantages include:
- Up to 20 trucks (includes owned units and owner operators operating under the applicant’s authority)
- Short, intermediate and long haul radius operations are eligible
- A wide variety of eligible freight, including auto transport, bulk goods, refrigerated goods, sand/gravel
- Express companies, such as package/food/alcohol/grocery delivery, are eligible
- New ventures are eligible
- Blanket additional insured and blanket waiver are available
As a USLI customer, you and your policyholders have access to our Business Resource Center, which is a value-added service designed to assist you with running your business. For a trucker, the Business Resource Center provides low-cost access to vendors who assist with background checks, drug screenings and motor vehicle reports for potential drivers. Our Truckers product is available for quoting over the phone, online or by contacting your USLI underwriter.
As always, thank you for your support and business.
Contact Thomas Saenz
Underwriter – Home Office | 888-523-5545, ext. 7420
Written by Elizabeth Shults
June 4, 2020