Long-Haul Trucking Insurance
The Federal Motor Carrier Safety Administration (FMCSA) monitors truckers’ compliance with safety regulations and enforces mandates related to truck equipment, road safety, and driver behaviors. Each business’s, trucker’s, and owner-operator’s safety data is stored online through the administration’s Safety Measurement System, and they log general trends in Compliance, Safety, Accountability (CSA) violations. While each violation itself may not impact your client’s long-haul trucking business or your evaluation of their risk, knowing some of the most common violations can help you better consider your clients’ equipment and adherence to policies; many of these regulations help drivers drive more safely which in turn reduces liability and expensive claims.
The most common CSA violations include:
- Incomplete or missing lights and reflective tape. In 2014, 28% of roadside violations included a lighting violation. The FMCSA has implemented a point-based scale for infraction severity: light violations are 6 CSA points, and violations regarding required reflective tape are 3 points.
- Driving with unsafe tires. Long-haul truckers run through tires more often than passenger vehicle drivers, even with the increased durability of the equipment in mind, due to the increased travel time and weight of the vehicle. Blow-outs, tires with poor treads and little grip on slick roads, and slowed braking time are dangerous for both the trucker and surrounding traffic. 11% of 2014’s inspections included tire violations, so make sure your trucking clients are maintaining adequate tread depth and tire safety.
If your business handles insurance coverage for clients in several different sectors of the economy, knowing the ends and outs of what increases the risk of liability for each client can be tricky. If you think some of your trucking clients are high risk or might exceed their current insurance limits, experts at Prime Insurance Company can work with you to find the right excess liability coverage policies for your long-haul trucking clients.