Thursday, January 31, 2013

Different Types of Truck Insurance

Many truck drivers on the road today are independent contractors, working for a number of different distributors and protecting their own interests as a driver. As an independent contractor, insurance is an important factor. Providing the proper insurance for your truck, equipment, and cargo in the event of an accident is crucial to being sure your investments of time and money are protected. Accidents happen, even to experienced drivers, and the damage that a large truck can cause can be extensive and costly.
There are different types of insurance that a commercial vehicle must consider that most drivers of passenger vehicles are unaware of. Because a large truck driver may be responsible for hauling someone else's property, there are added risks associated with these practices.
Truck drivers can be insured for primary liability which would cover an accident on the road. This type of coverage is similar to the coverage provided to every insured driver on the road. Liability insurance also covers the damages done to other people, property, or other vehicles. Both of these types of insurance are often applied to passenger vehicles.
Cargo insurance and non-trucking insurance policies are more specific to large trucks that are hauling products. Cargo insurance provides coverage for materials being hauled by a driver, even if they are not the property of the driver. Non-trucking insurance covers an incident that may occur with a large truck that is not associated with hauling activities. This insurance may cover any damage associated with loading or unloading cargo.

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Monday, January 28, 2013

Claims Rising for Private Company, Non-Profit D&O Coverage

Private company and non-profit D&O coverage is often seen as very profitable for carriers -- some people have even described it as a pot of gold at the end of the rainbow. But Jeffrey Klenk senior vice president for Travelers Bond & Financial Products says that's just not true anymore. We spoke with him at the recent Professional Liability Underwriting Society meeting in New York, were he told us, times are changing.

Friday, January 25, 2013

2013 Small Business Economic Outlook for Your Bottom Line

2013 will get off to a bad start as political ideology will drive politics. "The madness will continue until the failure of markets imposes some needed discipline."says NFIB's chief economist in this week's "Your Bottom Line With Bill Dunkelberg.

Tuesday, January 22, 2013

The Evolution of Today's Privacy & Security Policies

It has been a complicated and involved process for carriers to get data breach and security policies to where they are today, says Michael Carr, senior vice president, E&O underwriting for Argo Pro. At the PLUS Annual Convention in Chicago, Carr spoke with Associate Editor Amy O'Connor about the comprehensive underwriting these policies require, and how the industry is responding to insured's ever-changing privacy and security insurance needs.

Saturday, January 19, 2013

Informed Citizen: Homeowners Insurance

There are many parts to a typical homeowners insurance policy and it's important to understand them all. The Informed Citizen interviews two homeowners to see what they know and is here to help make sure you are covered.

Learn more at the Insurance Information Institute at

Wednesday, January 16, 2013

Jeanne Salvatore, Flood Insurance on Lifetime's Designing Spaces

Jeanne Salvatore of the Insurance Information Institute on Lifetime's Designing Spaces talking about flood insurance. Flood damage is not covered under a standard homeowner's policy and requires special insurance. It only takes a few inches of water in your home to cause thousands of dollars of damage and 90 percent of natural disasters have some form of flooding. Know your coverage and be sure you are protected from floods.

Sunday, January 13, 2013

Informed Citizen: Auto Insurance

The Informed Citizen explains about the different types of auto insurance coverages and how to choose and insurance company.

For more information, check out the Insurance Information Institute at

Monday, January 7, 2013

We Serve Many Different Contractors

Thousands of contractors trust First Service for their insurance needs. We proudly serve contractors in every trade:


    • Air Conditioning
    • Cabinet Makers
    • Ceramic and Mosaic Tile
    • Commercial Builders
    • Concrete
    • Earthwork
    • Electrical
    • Electrical Sign
    • Excavating
    • Finish Carpentry
    • Fire Protection
    • Flooring
    • Framing
    • Landscaping
    • General Contracting
    • General Engineering
    • Glazing
    • Grading
    • Home Builders
    • HVAC
    • Lathing
    • Manufactured Homes
    • Masonry
    • Painting and Decorating
    • Paving
    • Pipeline
    • Plastering
    • Plumbing
    • Refrigeration
    • Reinforcing Steel
    • Residential Builders
    • Roofing
    • Sanitation System
    • Sheet Metal
    • Solar
    • Structural Steel
    • Swimming Pool
    • Tile
    • Welding


We have programs for all construction projects and contractor types.


Click “Get Quotes” below to get your quote, or call us at  800-591-9692 .

Friday, January 4, 2013

Carriers & Technology

Technology is now a part of everyday life that isn't going away. However, the insurance industry has been considered by most to be slow in adapting new technology systems or portals, despite the fact they can improve agency efficiency and response time. A major challenge has been that carriers are unsure which direction to take and agents do not want to have to use numerous different systems. In this video with Associate Editor Amy O'Connor, four major carriers discuss how they are adapting technology into their operations, and what they see as some of the pros and cons of new technology systems.