A Primer On Commercial Insurance For Your Business Trucks

When it comes to purchasing commercial insurance for your trucks, you must research which types of coverage are best for your company and how to remain within your budget.
Types of Coverage

When you initially shop for commercial insurance for vehicles, you will notice that there are several different types of coverage. The types of coverage that you require will vary greatly depending on the type of trucks you own and the cargo you will carry.

One type of coverage that your fleet will need is commercial auto liability, which will pay for damage to property and bodily injuries in the event of an accident where your driver is at fault. Any vehicle that transports goods must have this coverage prior to registration.

There are also many optional types of coverage offered by truck owners. Some examples of typical policies include physical damage coverage and cargo coverage. Physical damage policies include collision coverage, which pays to repair or replace your vehicle if it is in an accident, and comprehensive coverage, which covers damage from fire and theft. Cargo policies replace any ruined or lost goods damaged in transport. There are also workers’ compensation and general liability policies if needed. Always check with your broker to find out exactly what your business needs.

Saving Money

If you want to save money on commercial insurance for your fleet, the first thing to consider is the ratio of your premium versus your deductible. Your premium is your monthly payment, and the deductible is the amount that you are willing to pay for damage and repairs before the insurer pays the remainder. The larger your deductible is, the lower your monthly premiums will be.

Business insiders believe that it is wise for most companies to purchase policies which contain the largest deductibles that they can afford so they can save on premiums. This works especially well when you, or any drivers you hire, are responsible, experienced, and have a clean driving record. Any moving violations or accidents can cause nervous insurers to raise premiums without notice regardless of a high deductible.

Outside of agreeing to huge deductibles, there are also other ways to save on commercial insurance premiums. You can contact the broker for any other policies that you currently hold and ask for a discount on any subsequently purchased policy.

There are also commercial insurance companies that cut premiums for drivers that obtain specific certifications or pass a particular course. Sometimes consistent truck maintenance, warning stickers, and security systems can earn a company a reduction in premiums as well. Check with your provider about any promotions that they may offer.

Set Up A Consultation

By now, you have a general idea of what you should discuss when you first consult with your broker. If you consider the types of trucks you own, your drivers’ collective expertise, and the nature of your freight, you should have no problem deciding which types of policies are necessary for your business. Don’t forget that you can save money by asking about any specials your broker may offer for safe driving or bundling products.

New 4K Switch Works Magic with Control4 Home Automation

You want 4K in all your rooms. How do you get it? The switch. Not the kind your grandmother threatened to beat you with — the kind that goes hand-in-hand with the Control4 home automation system. Control4, which recently acquired the Australian-based audio/video provider Leaf, has just come out with its new 4K AV matrix switch, which allows its customers the luxury of having 4K content in every room of their houses — all at the flip of a switch. And not just generic content either — copy-protected content as well. That’s because it’s HDCP 2.2 compliant. If you get 2.0, you’re going to end up with black screens where your content ought to be.
Small and Cute

This receiver’s looks are deceiving. Tiny and compact, it brings big changes to your viewing experience via a single cable. You don’t even need to plug it into the wall. The last thing you need or want is another stack of black boxes and more miles of wires and nests of cables — that’s why this switch is so great; it packs a lot of power into a small space.

What Does 4K Mean to You?

Tech geeks and hobbyists know that 4K means 4,000 pixels of horizontal resolution, but to many consumers, it simply means a really good picture. But it’s not just the picture you want, it’s the sound, too. This new switch includes an integrated audio feature that allows you to pump sound into eight different zones in your home. You can even experience heightened quality in rooms that are equipped with 5.1 or 7.1 surround sound while getting the same audio (albeit a little less impressive) in your other zones.

No Waiting

Another switch feature is advanced device management, which allows for speedier switching when you’re all ready to watch. Why should you have to tolerate lag time? You’re busy. You want your content and you want it now. And the variety is impressive — you can watch Blu-ray discs, Roku, Apple TV, streaming media or a movie from your own collection. All this can be had with the addition of a device the size of a deck of cards, and it can all be controlled with a single remote. Sound too good to be true? It’s not. It’s real. That’s not to say you might not benefit from a quick tutorial or a demonstration. You can order this device online and install it yourself, since no hardware or software is necessary, but if you purchase from your local high-end home automation dealer, you can rest assured you will get the extra support you need. Control4 also stands behind the new product 100 percent, and offers support, service and a full warranty on all purchases. The fact that this 4K switch fits seamlessly into the Control4 home automation system makes it a boon for those whose homes are already managed by the ultimate automation solution.