Helpful Articles

Thinking about switching insurance brokers? A Broker of Record (BOR) letter lets you take control of your coverage and ensure you have the best representation. In commercial auto insurance, this document helps businesses secure better coverage and pricing. Timely execution ...

We understand that insurance costs can significantly affect the profitability of fleets, but it is worth considering that effective management of these costs is crucial to ensure guaranteed smooth operation and financial stability in the future. Therefore, although lower insurance ...

In today’s ever-changing regulatory landscape, staying informed is crucial for businesses looking to remain compliant. One such development relates to the Beneficial Ownership Information (BOI) reporting requirements under the Corporate Transparency Act (CTA). Recent updates may affect your business, and ...

Winter driving brings a bunch of unique challenges, with black ice being one of the most treacherous hazards on the road. Beyond black ice, there are numerous other winter threats drivers must be prepared for. This article will help ...

Technological developments are driving a significant change in commercial truck insurance. Why does it impact trucking business operations? The new technologies are reshaping truck safety and influencing commercial auto insurance rates. While specifics may vary depending on numerous factors, ...

Criminals are getting deeper into cargo supply chains, tracking shipments, and targeting the most vulnerable. As a result, there was a significant increase in cargo theft across the United States in 2024. A supply chain risk management company called ...

Having the right insurance coverage in place for your business is essential for mitigating risks and protecting your assets. While you may not think much about your insurance policy beyond paying premiums or filing claims, there’s a crucial document you ...

Accidents on the road are an unfortunate reality for truckers, but how you respond immediately after an accident can significantly impact the outcome of any claims or legal proceedings that follow. One of the key responsibilities as a trucker ...

Sleep is crucial in the trucking industry for ensuring driver safety and optimal performance. Current research highlights the significance of quality sleep and offers practical solutions for truckers to improve their sleep while on the road. Role of Sleep ...

As the mercury dips and winter tightens its grip, it's imperative for truck drivers to prepare their semi-trucks for the challenging season ahead. At GIA Group, we understand the critical importance of winter preparedness and compiled a comprehensive guide on ...

Introduction Truckers face unique challenges on the road, especially when it comes to weather. Selecting the right weather app is crucial for navigating these challenges effectively. In this article, we explore the top weather apps for truckers in 2023 ...

In the trucking industry—where every driving decision carries weight—the relationship between drivers and the management is the backbone of road safety and financial efficiency. A driver who feels heard, respected, and properly equipped is far less likely to make a ...

Navigating the world of insurance can be challenging for the owner of a trucking business. It is crucial to understand the differences between admitted insurance, non-admitted insurance, captive insurance, and risk retention groups (RRGs) in order to make informed ...

For Policyholders and Trucking Company Owners In the world of insurance, many policyholders—especially trucking company owners—aren’t always aware of what goes on behind the scenes to protect their coverage. One of the most important and least understood tools that ...

A Simplified Guide for Policyholders and Business Owners When exploring insurance options—especially for unique or high-risk operations—you may come across the name Lloyd’s of London. While many assume it is a traditional insurance company, Lloyd’s is different. It stands ...

As a trucking company owner or executive, understanding the nuances of trailer insurance is vital for safeguarding your assets. Trailer Interchange and Non-Owned Trailer insurance are two critical types of coverage, each with distinct features and applications. Trailer Interchange ...

Q1: How much is the U.S. insurance industry worth? With written net premiums of $1.4 trillion, the U.S. insurance market has attained an amazing value. Examining the distribution, it is found that life and annuity insurers predominate at 52%; ...

The Federal Motor Carrier Safety Administration (FMCSA) plays a crucial role in regulating the transportation industry's safety and compliance standards. Among its many requirements, insurance filings hold a place of paramount importance. In this comprehensive guide, we'll delve into the ...

Motor vehicle crashes carry a staggering financial burden that extends far beyond those directly involved in the accidents themselves. According to recent data, the economic toll of these incidents amounted to a staggering $340 billion in the United States in 2019. To put this into perspective, that’s equivalent ...

When it comes to safe driving, having a clear and unobstructed view of the road is non-negotiable. Your windshield wipers play a crucial role in maintaining visibility during adverse weather conditions. In this article, we'll explore the importance of changing ...

Tractor-trailer brake maintenance is not just another task; it’s a matter of paramount safety. According to the Federal Motor Carrier Safety Administration (FMCSA) a staggering 29.4% of tractor-trailer accidents are brake-related. In the world of tractor-trailers, brake maintenance is non-negotiable and good operators need to recognize signs of brake wear: ...

Driver fatigue might sneak up silently and embrace body control systems before the driver notices what is happening—the consequences can be disastrous. The risk factors associated with operating a vehicle while feeling exhausted remain a serious threat to road ...

Driving a truck requires responsibility, and each journey amplifies this fact. A poignant illustration of this is the unfortunate accident that happened with Werner Enterprises in 2014, resulting in the loss of a child and causing harm to other ...

Driving under high winds is particularly dangerous for truck drivers. Though most people think that operating a semi truck in strong winds is not as hazardous as driving in snow and ice, the truth is that all of these ...

For business owners, understanding the details of their insurance coverage is essential to protecting their operations from potential financial losses. Specific insurance terminology can often be confusing, and some terms that might seem interchangeable—like “Additional insured” and “Additional named ...

Navigating the world of truck insurance can be complicated, with various coverage options available to safeguard your vehicle and finances. Comprehensive and collision coverage are two essential types that truck owners often consider. In this article, we'll explore the differences ...

As a trucking or towing company operator, it's important to have the right insurance coverage to protect your business in case of accidents or losses. Two key types of insurance for protecting property in your possession are cargo and on-hook ...

When it comes to operating a business that involves the use of trucks, having the right insurance coverage is crucial. Two common types of insurance policies that businesses and truck drivers need to be aware of are Commercial Auto ...

After reporting a claim to your insurance company, the next steps typically include: Initial Contact: Once you've reported your claim, your insurance company will typically assign a claims adjuster or representative to your case. This person will be your ...

Avoid Underinsurance—and Unexpected Out-of-Pocket Costs For businesses that insure trucks, trailers, or other high-value commercial equipment, understanding coinsurance is essential. It’s a commonly overlooked policy clause—until a claim arises and a business owner discovers they’re responsible for a larger ...

Welcome to GIA Group, LLC: Your Essential Guide to Getting Started Dear Valued Client, Thank you for trusting GIA Group, LLC with your insurance needs. Whether you’re joining us for the first time or renewing your policy, we’re here ...

In the trucking industry today, monitoring repair and fuel expenses can make all the difference between generating income and just breaking even. Every drop of fuel you save improves your bottom line since diesel prices vary constantly and running expenses ...

BMC-91 and MCS-90 are both forms that are required by the Federal Motor Carrier Safety Administration (FMCSA) for commercial motor carriers operating in the United States. However, they serve different purposes and cover different types of liabilities. BMC-91 is ...

The cost of a commercial truck accident depends on a variety of factors, including injuries to people involved and the severity of damage caused. According to FMCSA, the average cost of a large truck crash involving a fatality can ...

Speeding remains one of the leading contributors to severe and fatal crashes on U.S. roads. For commercial trucks, which can weigh up to 80,000 pounds when fully loaded, the consequences of excessive speed are especially serious.  Whether you're a ...

Insurance companies use ELD data to better understand a trucker's driving behavior and performance. This information can then be used to assess the level of risk associated with insuring a particular driver or trucking company, and to set insurance ...

The speed limits for trucks and cars vary by state in the United States. Here is a general overview of the speed limits for all states per insurance Institute for Highway Safety: State Rural interstates, MPH Urban interstates, MPH Other limited access ...

Violating trucking regulations became even more expensive effective 1/6/2023. Below is a list of violations and fines. It is important to understand that violations of trucking regulations can have a negative impact on insurance costs for trucking companies. Insurance companies ...

We ask for information before renewal for several reasons. First, we need to assess the current coverage and determine if it is still appropriate for the business. This may involve reviewing the business's activities, the size of the business, ...

Yes—they often do. Even if a violation of traffic laws occurs while driving a personal vehicle, it can still influence a driver’s commercial auto insurance rates. That’s because insurers assess the full driving history of the person behind the ...

Mileage-based and revenue-based insurance policies can potentially reduce some of the administrative load that trucking companies and truck drivers deal with. They both offer flexible premium structures but can be beneficial in different cases. Mileage-based Insurance Policy Mileage-based insurance (also ...

Tire chains are used to provide additional traction on slippery roads, such as those covered in ice or snow. They can be particularly useful for truck drivers who are operating in areas with extreme weather conditions. Tire chains should only ...

Winter brings more than just snow and ice—it brings real risks for truck drivers navigating slippery roads, low visibility, and unpredictable conditions. Whether you're an owner-operator or part of a larger fleet, staying safe starts with preparation and smart ...