Tips for Trucking Through the Holidays

Top 5 Tips for Trucking Through the Holidays The holidays are approaching quickly, meaning the trucking season is about to explode. The consumer demand during the holiday season increases, keeping truck drivers overflowing with jobs. In this post we will cover information about staying within hours of service, maintaining a full fuel tank and attempting as few lane changes as possible. Keeping an eye out for work zones and being patient in winter weather conditions means a safe trip home to family and friends. https://www.trucker.com/drivers/trucking-during-holidays https://cdltrainingtoday.com/do-truckers-get-the-holidays-off/ https://www.nationalretailsystems.com/stay-safe-trucking-holidays/ http://blog.mybluegrace.com/misc/the-busiest-time-for-logistics-holiday-season/
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Does Commercial Auto Insurance Cover My Personal Vehicle?

Commercial Auto Insurance 101: Personal Vehicles Commercial insurance is not the same as personal insurance. Businesses typically have higher insurance demands and liability issues, adding more risk for insurance companies. Understanding the difference between commercial auto insurance can help business owners avoid a costly mistake. In this post we will discuss where business and personal insurance overlap, why the reason for a trip is a huge factor, and how to discuss the needs of the business with an insurance provider. https://www.trustedchoice.com/commercial-vehicle-insurance/coverage-faq/ https://www.dmv.org/insurance/who-needs-commercial-auto-insurance.php https://www.insureon.com/products/commercial-auto/business-driving https://www.nerdwallet.com/blog/insurance/personal-vs-commercial-auto-insurance/
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Hurricane Preparation for Truck Drivers

How to Prepare for a Hurricane in Your Truck Hurricane season can be dangerous for truck drivers. High winds, deep water and falling trees are just some of the dangers a commercial trucker might face on the road. Most times the work can’t stop for weather, and truck drivers need to continue on their route. This post will cover why to avoid high water, paying attention to weather warnings and staying flexible about the route. We’ll also discuss how to build an emergency kit to store in the truck in case a situation arises. http://www.america1logistics.com/post/safe-trucking-tips-during-hurricane-season https://www.alltruckjobs.com/blog/hurricane-safety-tips-for-truck-drivers/ https://www.truck-drivers-money-saving-tips.com/emergency-kit.html
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Why Should Your Business Purchase Commercial Auto Insurance?

Purchasing Commercial Auto Insurance for Your Fleet Business owners have an obligation to keep employees safe on the job. A Business Owners Policy (BOP) does not provide coverage for vehicles in the company. Businesses need a separate policy for coverage in case of an accident or incident. This post will discuss how to find the right insurance for everyone in the company. We’ll discuss how Florida law impacts the policy, unique needs for every size business, and how to determine the amount of coverage needed by the business. https://www.paragoninsagencies.com/blog/4-key-benefits-of-commercial-auto-insurance/ https://www.iii.org/publications/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance https://fitsmallbusiness.com/commercial-auto-insurance/ https://www.coverwallet.com/insurance/commercial-auto (reference only)  
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Key Elements of Long-Haul Insurance

What Are the Keys to Long-Haul Insurance? Shopping for long-haul insurance is confusing. There are many different types of insurance policies available - which one is right? This post will discuss an overview of the four main types of long-haul trucking insurance: Liability insurance, bobtail insurance, motor truck cargo insurance and physical damage coverage. The post will also discuss how driving records, housing of a truck, and the age and condition of the truck also factors into an insurance policy. https://www.thetruckersreport.com/insurance-cheat-sheet/ https://www.huffingtonpost.com/laiza-king-/5-things-you-need-to-know_13_b_10636232.html https://www.tecequipment.com/financing-insurance/insurance/insurance-resources/commercial-trucking-insurance-101/
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Health Tips for Truck Drivers

Truck Drivers: Staying Healthy While on the Road Research has found that truck drivers who are obese are 50% more likely to be in a crash than drivers with a normal BMI. Truckers spend the majority of their day sitting behind the wheel, making it difficult to include exercise and healthy eating habits in their daily routine. In this post, we will compile a list of healthy tips for truck drivers who are constantly on the road. We’ll include healthy snacking ideas, how to incorporate exercise in the daily schedule and the importance of staying hydrated on the road. https://www.smart-trucking.com/truck-driver-health.html...
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Protect Yourself From a Trucking Scam

Every Trucker Should Have a Dash Cam Dashboard cameras, otherwise known as dash cams, are a must-have for commercial truckers. When an incident happens on the road, a trucker only has one side of the story. With a dash cam, there is video footage showing exactly what happened. It captures important details like license plate numbers for insurance claims and who is at fault for the accident. This post will cover how truck drivers can protect themselves from insurance fraud by installing a dash cam in their truck. We will cover how it can save a driving record and can...
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What is covered by Dump Truck Insurance?

What is covered by Dump Truck Insurance? Motor Truck Liability Insurance: This protects you from liability damages you might cause to customers property. Physical Damage Coverage: This coverage provides for compensation for any damages to your dump truck. Cargo Insurance: If you are hauling expensive cargo in your dump truck, you might be required to have this type of coverage. Collision Insurance: This covers the repair of damage to your truck if you collide with another vehicle or object. Non trucking Insurance: This type of coverage is designed for independent owners and operators with contract jobs. Fire and Theft: This insurance provides compensation for damage to...
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Car Hauling Trucks Pricing Factors

Car Hauling Trucks Pricing Factors
Pricing Car hauling trucks are an investment. Even used tow trucks can cost $30,000, with newer model multi-car haulers costing in the $100,000 range, or even as much as $800,000 for a tractor-trailer rig. These prices reflect the various sizes and capabilities of each particular car hauling truck model. With this in mind, commercial truck insurance costs vary as well. The cost of insurance for your car hauling truck is dependant on factors like: Number of cars being hauled Distances cars are hauled Area your trucks typically operate Number of car carriers in your fleet What kind of cars you...
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Commercial Car and Fleet Insurance Questions?

Commercial Car and Fleet Insurance Questions?
If you answer "yes" to any of these questions, you'll want to contact us about commercial auto and fleet insurance: Do you have any vehicles rented or leased to other people? Do you have any vehicles equipped with catering or cooking equipment, bathrooms, hydraulic lifts, altered suspensions, ladder racks, permanent toolboxes or feature other specialized modifications? Do you have any vehicles used to pickup or deliver materials, pizza, newspapers, general goods or supplies or for messenger services? Do you have employees drive any of your vehicles on a regular basis? Do you have any vehicles used for taxi, limo or...
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What Qualifies as a Commercial Vehicle for Insurance?

What Qualifies as a Commercial Vehicle for Insurance?
A commercial vehicle is any vehicle that a company uses for business purposes. While some types of commercial vehicles may seem obvious in their classifications, others are a bit trickier to identify. Understanding when your vehicle counts as commercial or CDL can help you determine when you need commercial auto insurance coverage. What Qualifies as a Commercial Vehicle? Any vehicle a company uses for business purposes serves as a commercial vehicle, so nearly any type of vehicle may be subject to this classification. If employees drive the vehicle within the scope of their work activities, it can qualify. Common types...
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How to Pay the Least Amount for Commercial Fleet Insurance

How to Pay the Least Amount for Commercial Fleet Insurance
Depending on the size of your fleet, you may end up facing a daunting cost for commercial auto insurance. While you may feel tempted to reduce your coverage to save some money, smart insurance decisions allow you to make the most cost-effective decisions, so you have protection when disaster strikes – without overpaying. Review Claim Experience One of the best ways to keep your commercial fleet insurance costs low is to regularly review your policy. Over the course of a year, you’ll get a good picture of what claims you make and which ones you don’t. Discuss your history with...
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Interstate Trucking Insurance Requirements

Interstate Trucking Insurance Requirements
Commercial vehicle insurance can become complicated very quickly when interstate commerce is involved. Crossing state lines creates confusion, because each state sets its own commercial insurance requirements, and this affects your fleet as it enters a different state. To make the process simpler, the Federal Motor Carrier Safety Administration (FMCSA) has set strict insurance requirements on interstate truck travel. How Much Insurance Coverage Do Interstate Trucks Need? While commercial vehicles that stay within state borders need only meet their state’s minimum insurance requirements, interstate traveling vehicles are subject to the requirements of the FMCSA. The federal liability limit minimums are:...
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The Difference Between an Admitted and Non-Admitted Insurance Carrier

The Difference Between an Admitted and Non-Admitted Insurance Carrier
You may not have heard the terminology before, but insurance carriers fall into two categories: admitted and non-admitted. These terms are especially common in the world of commercial auto insurance, and it’s important to know the distinction to help you make appropriate coverage decisions. Admitted Insurance Carriers To become an admitted insurance carrier, a company must go through a lengthy process. If it meets all requirements, the carrier earns the approval of a state’s insurance department. This creates a situation in which: The insurance company meets all state regulations for auto insurance. The state will make payments on claims if...
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What You Need to Know About Your Commercial Auto Insurance Exclusions

What You Need to Know About Your Commercial Auto Insurance Exclusions
If you own a fleet or any other type of commercial vehicles, then you need the appropriate auto insurance to cover it. While basic commercial insurance policies do cover a lot, there are also many situations they exclude. You should be aware of these exclusions, so you can get necessary additional coverage and avoid any situations in which your policy won’t take care of the damages. Expected or Intended Injury Auto insurance is there to cover accidents, but intentional accidents often don’t receive any form of coverage. If you or one of your drivers rear-ends another car with the intention...
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How Dump Truck Insurance Differs from Your Other Vehicle Policies

How Dump Truck Insurance Differs from Your Other Vehicle Policies
Insurance is necessary for all vehicles on the road, big and small. But how well do you know which policies are required for which vehicles? Commercial dump truck drivers need to be especially informed of all the rules and regulations that accompany driving in central Florida. This leads many business owners and drivers to do their own research on what policies provide and the cost of operating without proper coverage. What Defines Commercial Auto Insurance? Commercial insurance is much like other insurance in that it protects drivers in the unfortunate event of an accident. If an employee or individual is...
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What You Need to Know About Florida Commercial Vehicle Insurance Laws

What You Need to Know About Florida Commercial Vehicle Insurance Laws
Commercial vehicles tend to face a higher level of daily risk than private vehicles. Therefore, these vehicles require specific insurance policies and minimum coverage values that differ from standard automobile insurance. The laws regarding requirements vary from state to state, just as other types of vehicle coverage do. Florida is no exception. What Is Commercial Vehicle Insurance? Commercial vehicle insurance provides coverage for any automobile or truck used for business purposes. This includes vehicles that belong to companies and fleets, vehicles used for delivery or messaging services, and transportation services such as taxis and limousines. These insurance policies tend to...
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Auto Insurance Requirements for Delivery and Ridesharing Drivers

Auto Insurance Requirements for Delivery and Ridesharing Drivers
Ridesharing and courier services provide customers with much-needed convenience, and they are a great way for businesses to expand their reach. At the same time, insurance on vehicles used for these services is not cut and dry. Operators, whether they are independent or work for a delivery service, need to know their insurance requirements to avoid huge penalties for claims. Isn’t Having Personal Auto Insurance Enough? The world would be a simpler place if all delivery and rideshare drivers needed was to have personal auto insurance. After all, if you’re driving with your personal vehicle, what more could you need?...
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How to Prevent Claims by Maintaining Your Commercial Property

How to Prevent Claims by Maintaining Your Commercial Property
Insurance claims and property damage can lead to costly consequences for commercial businesses. It is important to make sure you know how to handle these situations when they arise, but it’s even better to do everything you can to prevent them from happening in the first place. The chances of an accident occurring decrease when your commercial property is in good condition. Three Types of Maintenance Actions You can easily break down property maintenance into hundreds of individual tasks and categories. This can be overwhelming, because it becomes tough to know where to begin. To help you make more focused...
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How to Reduce the Cost of Insuring Your Commercial Vehicle in Florida

How to Reduce the Cost of Insuring Your Commercial Vehicle in Florida
After completing the tedious task of comparison-shopping for insurance, many drivers in Florida accept the cost at face value. While some companies may include discounts in their quotes, not all maintain this practice. For this reason, the initial quote for your commercial insurance should be considered a base to which discounts are applied. In addition, there are extra steps you can take to reduce the cost of insuring your commercial vehicle in Florida. Know Your Drivers Your commercial car insurance premium is largely determined based on the records of every driver combined. Obtain all driving records for employees of your...
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Consumer Ratings for Florida Commercial Vehicle Insurers

Consumer Ratings for Florida Commercial Vehicle Insurers
Like any other vehicle on the road in Central Florida, dump trucks require proper insurance. Dump truck insurance falls into its own subset, but nevertheless is considered commercial insurance. Most companies that offer home and car insurance also cover all your commercial needs. This means dump truck owners and operators have access to reputable companies and consumer reports based on their customer satisfaction ratings. Drivers can make an informed decision based on facts and consumer opinions. State Farm State Farm Insurance is America’s largest private auto insurer, and also in a top 50 Fortune 500 company. Their premiums appear to...
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The Cost of Insurance for Florida Commercial Vehicles

The Cost of Insurance for Florida Commercial Vehicles
Florida drivers can find quotes for dozens of commercial policies from prospective companies online. But do they realize the full cost? Relying on these quotes alone can limit owners and operators from understanding additional costs and potential savings. With insurance rates at an all-time high, being informed could be the difference between profit and loss for a company or small business. State-to-State Commercial Insurance Filing Several states’ transportation departments require confirmation on file of companies’ insurance compliances. Hauling exempt commodities often subjects drivers to extra intrastate truck filing fees and costs. However, certain states, including Florida, don’t require submission any...
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Quick and Easy Ways to Find Insurance for Your Florida Dump Truck

Quick and Easy Ways to Find Insurance for Your Florida Dump Truck
Extensive shopping and comparing commercial insurance for your dump truck can be a hassle. Nonetheless, it remains the top proven way to find proper coverage at a fair premium. Even with a hectic lifestyle, shopping for coverage doesn’t have to be so daunting. Equipped with a phone, computer or their physical self, consumers now have an array of options to tackle this process. Protect Yourself First and foremost, use caution when searching for policies. Make sure the company or individual is licensed in Florida before making any purchases. Florida doesn’t allow for the marketing of insurance without a proper license....
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How to Pick the Right Insurer for Your Central Florida Commercial Fleet

How to Pick the Right Insurer for Your Central Florida Commercial Fleet
Cost often determines the type of auto insurance policy and provider one choses. At face value, monetary costs are usually the first to come to mind. However, choosing the right insurer for your commercial fleet in Florida is significantly affected by other factors. The peace of mind of knowing you and your company are protected in the event of an accident can outweigh some of the financial cost. Front end loader putting debris from a demolished building into a dump truck. Providers Let the insurance company work for you. After all, you get what you pay for, right? Speak with...
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Insurance Coverage Options for Florida Commercial Vehicles

Insurance Coverage Options for Florida Commercial Vehicles
With a vast array of policies on the market, choosing the right commercial vehicle insurance for one’s personal needs can seem confusing and almost impossible. Dump truck drivers face state and federal regulations, including maintaining insurance. But depending on the industry and function, different insurance coverage is required. Florida drivers must pay close attention to compliance and necessity when exploring the types of coverages offered. Liability Insurance Liability insurance is required is most states, dump trucks being no exception. It’s the most common type of coverage, broken down into two parts. Bodily injury pays for any injuries or fatalities to...
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Insurance Rules for Florida Dump Trucks

Insurance Rules for Florida Dump Trucks
Insurance is crucial for all individuals who operate motor vehicles, whether it’s for business or pleasure. Many people are informed about types of car insurance, but what about commercial vehicles, such as dump trucks? Florida, like every state, determines the extent of coverage for these vessels, accompanied by a range of federal regulations. Purchasing the right insurance policy to comply with all laws is important to avoid future costly mistakes. Who Requires Commercial Insurance? Dump trucks can cause severe damage and financial loss in the event of an accident. As a result, any person who is responsible for the operation...
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4 Things About Log Truck Insurance You Might Not Know

4 Things About Log Truck Insurance You Might Not Know
Log Truck Insurance To operate in Florida, log truck drivers have to obey all federal and state rules. One such rule is to maintain a log truck insurance policy with certain minimum coverages. Driving without proper logging truck insurance in Florida is against the law and can lead to driver and company penalties. Here are four things about log truck insurance Orlando truckers must know: 1. Type of Logging Truck Insurance You Need Florida statutes require minimum liability insurance limits on all commercial motor vehicles. Truckers must maintain the minimum level at all times or face penalties. The law requires...
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What You Need to Know About Dump Truck Insurance

What You Need to Know About Dump Truck Insurance
Whether you own the dump truck you drive or lease your vehicle, you need to maintain proper insurance. Not only is driving without dump truck insurance in Orlando, Florida illegal – you will be in big trouble if you cause an accident and don’t have insurance to cover the damages. Protect the financial investment your company made by purchasing the right insurance. Here’s what you need to know. Requirements for Dump Truck Insurance in Florida The Department of Motor Vehicles states that all motor carriers who work with dump trucks, all for-hire dump truck drivers, and all independent owner-operators of...
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Before You Start Your New Trucking Business, Consider These Rules

Before You Start Your New Trucking Business, Consider These Rules
Starting your own trucking business is a great step forward – as long as you know what you’re up against. There are rules and requirements for starting a commercial trucking business, as well as for specifics like what semi-truck insurance in Orlando you need to cover your fleet and drivers. Get your ducks in a row from the very beginning to pave the road for a successful business endeavor. Registration, Permit, and License Requirements The Florida Department of Transportation (FDOT) regulates commercial trucking businesses and requires business owners to file certain paperwork before hitting the road. First, select a name...
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Starting Your Own Auto-Hauler Company? Get the Right Insurance

Starting Your Own Auto-Hauler Company? Get the Right Insurance
Starting your own car-hauler company means being your own boss, working in a field you enjoy, and owning a thriving business in Orlando. The key to any successful business is a failsafe insurance plan to protect you from potential losses. Insurance is especially important in industries involving a fleet of commercial vehicles, as the risk of accidents is relatively high. Before you embark on your journey as a business owner, make sure you get the right car hauler insurance in Florida. Obey Vehicle License Requirements First and foremost, make sure you (and your drivers, if you’ll be hiring) have valid...
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Understanding What’s in Your Semi-Truck Insurance Policy

Understanding What’s in Your Semi-Truck Insurance Policy
Semi-truck insurance is an important part of owning and operating a commercial vehicle. Liability insurance is the saving grace for trucking companies when drivers get into fender benders or catastrophic accidents. Like all states, Florida requires certain minimum coverage amounts in terms of liability insurance. Take a look at your policy to make sure it covers everything the law requires for semi-truck insurance in Orlando, before you discover you don’t have coverage when you need it most. Commercial Vehicle Insurance Coverage As the owner or operator of any vehicle you drive for business-related purposes, you will need to purchase commercial...
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4 Car-Hauler Insurance Options to Put Your Mind at Ease

4 Car-Hauler Insurance Options to Put Your Mind at Ease
Car hauler accidents can cause serious injuries, truck damage, and damage the vehicles being hauled. An accident can easily cost hundreds of thousands of dollars. Most car-hauler businesses don’t have this kind of money to pay out-of-pocket. Instead, they seek damage recovery through insurance companies. Give yourself peace of mind on the road by purchasing the right kind of car hauler insurance in Florida. Here are four attractive options: 1. Car Hauler Damage Traffic accidents cost the United States more than $230.6 billion every year. Large commercial trucks are involved in about 400,000 crashes annually. Car hauling trucks can sustain...
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6 Ways to Reduce Semi Truck Insurance Premiums, Part 2

6 Ways to Reduce Semi Truck Insurance Premiums, Part 2
Welcome back! Last time, we looked at ways to reduce your commercial truck insurance premiums by following a few simple tips. While some companies and owner-operators might assume that there just isn’t a way to minimize trucking insurance premiums, there are actually many ways to do so. Some of the best ways to save money on your semi truck insurance premiums include: Employing drivers with clean driving records with less than two accidents in a three year period. Hiring experienced and reliable drivers with at least two years of CDL experience. Following up on potential employees’ driving employment history and references....
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6 Ways to Reduce Semi Truck Insurance Premiums, Part 1

6 Ways to Reduce Semi Truck Insurance Premiums, Part 1
Trucking insurance premiums can put a hefty dent in your business pocketbook. With all of the other business expenses that you may be able to cut out, commercial truck insurance simply is not one of them; however, there are many ways you can reduce your trucking insurance premiums while still getting the most out of your semi truck insurance policy. Insurance providers take many factors into consideration when they determine your trucking premium, and knowing what insurance providers look for can help you save money by getting reliable coverage at an affordable cost. Here are some tips to help you...
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Why Your Business Needs Car Hauling Insurance

Why Your Business Needs Car Hauling Insurance
Welcome back to the Forerunner Insurance Group blog! In our recent post, we began looking at car hauling insurance and the types of businesses that should protect their auto transport vehicles with an insurance policy that offers specific coverage for their line of work. Some of these companies include large trucking fleets, independent car haulers, tow companies, and repossession companies. The main reason car carriers will want this specific coverage is because of the particular risks these transport vehicles face on a daily basis and because the cargo being transported is highly valuable. Additionally, there are some mandatory coverages which...
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Who Should Get Car Hauling Insurance?

Who Should Get Car Hauling Insurance?
One of the most common sights when driving along Florida highways is seeing a car carrier truck loaded with anywhere from two to eight vehicles on its trailer, making car hauling one of the most lucrative freighting businesses in the nation. Vehicle carrier trucks, haulers, and trailers are all large investments which will certainly pay off over time; however, if one of these vehicle transporters is damaged in an automobile accident, the repair expenses will likely be extremely costly. Car hauler insurance is an essential element for any vehicle hauling company, no matter if the hauling business consists of a...
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Ways to Prepare Your Business for a Hurricane, Part 3

Ways to Prepare Your Business for a Hurricane, Part 3
Hi there, and welcome back to our blog. In our recent posts, we began looking at some of the ways commercial property and business owners can prepare their businesses and properties for a hurricane. Hurricane Irma is expected to make landfall this weekend, and as business owners across Florida continue preparing their companies and facilities for the storm, these tips may be helpful for those in the path of the storm and in the surrounding areas take additional steps to protect their businesses. We recommend reading part one and part two to learn some of the important steps to protecting...
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Ways to Prepare Your Business for a Hurricane, Part 2

Ways to Prepare Your Business for a Hurricane, Part 2
Hello, and welcome back. In our last post, we began exploring some of the ways commercial property and business owners can prepare their businesses and facilities for a hurricane. After Hurricane Harvey ripped through communities throughout Southeast Texas, and with Hurricane Irma right at Florida’s doorstep, these tips may help those in the path of the storm and in the surrounding areas protect their property, buildings, contents, and assets. We recommend reading part one, but to briefly recap, we suggested reviewing your commercial property insurance policy to ensure that you have a solid understanding of what is and is not...
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Ways to Prepare Your Business for a Hurricane, Part 1

Ways to Prepare Your Business for a Hurricane, Part 1
Hello, readers, and welcome back to our blog. The 2017 hurricane season is in full-force, with Hurricane Harvey causing widespread devastation to communities in Southeast Texas. From all of us here at Forerunner Insurance, our thoughts go out to all those who have been affected by this destructive storm. Hurricane Irma is quickly approaching Florida, and we can only hope that this event will be more forgiving than Harvey; however, reports suggest that this may be one of the worst hurricanes to hit the nations and islands in the Atlantic, as well as the Sunshine State and the surrounding areas....
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What to Know About Commercial Property Insurance—Part 2

What to Know About Commercial Property Insurance—Part 2
Hello, and welcome back to our blog. At Forerunner Insurance Group, we want to make sure those who own a business here in Florida have the proper protection they need to safeguard their company, their employees, and their customers. In our recent post, we began looking at some of the things you should know about commercial property insurance and the benefits of commercial coverage. These included looking at what commercial insurance is, what it covers, and some of the exclusions. We also discussed how a commercial property policy can safeguard your business from damages and losses as the result of...
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What to Know About Commercial Property Insurance—Part 1

What to Know About Commercial Property Insurance—Part 1
Hello, and welcome back. In our recent post, we looked at some of the reasons to contact Forerunner Insurance Group for a commercial auto insurance quote. Today, we would like to shift the focus to commercial property insurance, which is another aspect of protecting your business, your assets, and your employees. Let’s begin looking at some of the things you should know about commercial property insurance and the benefits of commercial coverage. Please continue reading below to learn more. What Does Commercial Property Insurance Cover? Commercial property insurance protects your business, safeguarding it from losses related to the structure, contents,...
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When to Get Commercial Auto Insurance

When to Get Commercial Auto Insurance
  Hi there, and welcome back. It’s pretty easy to understand why you need auto insurance on your personal vehicle; first, most state laws require it, and most importantly, you want to make sure you, your loved ones, and your property are protected in the unfortunate case of an unexpected accident. At Forerunner Insurance here in Florida, we know that it can sometimes be more challenging knowing whether or not you need to have commercial insurance coverage for your vehicle. Depending on your line of work, your employer, and whether or not you own a business, chances are you may...
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Tips for Maintaining Your Rental Property

Tips for Maintaining Your Rental Property
Hi there, and welcome back to our blog. Today we’d like to explore some tips for maintaining your rental property. If you own and manage a large, multifamily structure such as an apartment complex, high-rise apartments, or condos, you are well-aware that it takes a lot of work. Along with leasing out units to a steady flow of incoming tenants, you also have to please numerous residents with diverse backgrounds and values. While this can prove to be difficult at times, maintaining the upkeep on the aesthetics of your entire property, the functionality of your property’s amenities, and keeping up...
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The Basics of Property Coverage

The Basics of Property Coverage
Hello, and welcome back to our blog. Today we will explore the ins-and-outs of commercial property insurance, explaining what it is and what is covered. If you’re a business owner, chances are you don’t own the structure in which your business operates. Rather, you likely lease the space from a property management company or landlord. If you do own the structure where you conduct your business, your mortgage lender most likely requires that you have commercial property insurance coverage. Yet whether you rent or own the building, you will want to make sure you are covered. At Forerunner Insurance Group,...
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Get The Right Box Truck Insurance

Many businesses and independent truckers use box trucks to transport merchandise and carry out their business objectives. Moving companies, retail shipping companies, and couriers are examples of the kinds of businesses that most commonly use box trucks. Regardless of why your company uses box trucks, you need to be sure you have them fully protected with the right box truck insurance. Whether you are a private truck carrier or an independent trucker for hire, there are a number of important types of business auto insurance you should consider for your truck(s): Liability Insurance Bodily Injury Physical damage insurance Property Damage Medical...
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Box Truck Insurance Policy Features

Quite a number of businesses depend on box trucks as a way to transport a bulk of goods. Whether you're a moving service or transporting products from a distribution center to a retail store, you're helping to meet a steady demand for transporting items in bulk. However, with the variety of box trucks, this means there's no one box truck insurance policy that's suitable for every company. A vehicle transporting chips and snacks doesn't need as much insurance as a vehicle transporting expensive furniture, and neither is as risky as a box truck transporting TVs and electronic parts. This is...
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Florida’s Finest Dump Truck Insurance

If you own a business that operates many dump trucks daily, or you simply drive a dump truck, you need to protect your truck(s) with dump truck insurance regardless of whether you’re transportation sand, dirt, gravel, or asphalt. At Forerunner Insurance Group, our goal is to provide the best insurance for dump trucks because we know that your dump truck is your business and your livelihood.   Call (407) 558-1680 for Your Free Quote   Common Dump Trucks We Insure Whether you have one dump truck or a fleet of them, we can provide coverage for the following types of...
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Commercial Truck Insurance For Semi-Trucks

One of the greatest financial factors of trucking businesses, including those that operate semis, is to manage insurance. There are plenty of risks associated with the trucking business. Your property, your truck drivers, and your customers are primary liabilities, as are the other drivers sharing the road with you. As a responsible business owner, you must balance all of this risk with the proper kind of liability insurance (and amount) to protect your company. It all starts with selecting the right trucking insurance for the type of vehicles you operate. What Truck Insurance Do You Need? Commercial truck insurance must...
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Get the right commercial auto insurance for your trucks—and save money, too

Five things you should consider before your next commercial auto insurance renewal Your commercial auto insurance could be as much as 40 percent of your total operating budget. A Regular policy review is essential in making sure you have the right insurance for your truck—and your business. Plus, you could save big buck if you qualify for additional discounts. To get started, ask yourself these five questions—then give us a call: (407) 558-1680 (1.) Are all of my employees covered when they drive my trucks, even if they’re not listed on my policy? You should always list employees who regularly...
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Self Storage Insurance: Replacement Cost & Property Evaluation 

You’re investing in self storage insurance for security and peace of mind -- you expect your policy to help you recover from a claim by providing adequate funds to replace what was damaged or destroyed.   But what happens when it doesn’t? The most glaring error we've found in our experience with self-storage policies is incorrect replacement cost evaluations. In fact, many carriers will allow properties to be insured without an accurate one on record. For example, let’s look at a large, concrete, air-conditioned building. We’ve seen companies draft policies to insure fairly new buildings like this with a replacement...
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When is the right time to buy life insurance?

It’s a good idea to review your need for life insurance whenever a major life event occurs. Consider the following events and the ways in which life insurance might help protect your family in each scenario: New home purchase or major home improvements. Life insurance can cover your mortgage or home equity obligations in the event of your death. Marriage. A wedding should prompt you to review your entire financial situation, including your income needs, debt, and other liabilities, and to add a layer of protection for both spouses. Birth or adoption of a child. A life insurance policy can...
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How much life insurance do you need?

We always like to start with the defining of Insurance: is a means of protection from financial loss. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. This first question is Do you need life insurance? If you have dependents to protect and don’t have enough savings, you definitely need insurance. Naturally the next topic is, How much life insurance do you need? There are several ways to go about determining how much coverage you need. One simple method is to buy coverage equal to five to 10 times your...
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3 TOP Reasons Why You Need Life Insurance

Define "Life Insurance" A protection against the loss of income that would result if the insured passed away. Life-based contracts tend to fall into two major categories: Protection policies – designed to provide a benefit, typically a lump sum payment, in the event of specified event. A common form of a protection policy design is term insurance. Investment policies – where the main objective is to facilitate the growth of capital by regular or single premiums. Common forms (in the U.S.) are whole life, universal life, and variable life policies.   1. To Protect Your Family and Loved Ones 2....
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