The Navigator Blog

What is a Constructive Total Loss?

A Constructive Total Loss (CTL) is a loss in which the item insured is not totally destroyed but is so severely damaged that the insurance company considers it uneconomical to repair. The insured item will be totaled-out and the title surrendered to the insurance company. Often, a loss equal to 50 or 60 percent of the stated value of the item is considered a CTL. This means that it is important to accurately state the value of insured items to avoid taking a personal loss in a CTL situation. Here’s an example of a possible CTL: Jeff purchased two new

Read More »

Workers’ comp vs. Occ Acc: what’s the difference?

Workers’ compensation is a state-regulated program, and is required of employers who employ three or more employees at any one time, or employ one or more employees for 35+ hours per week for 13 or more weeks by law in most states. It may cover wage-loss benefits, medical treatment, and rehabilitation—related medical expenses—for employees who suffer a work-related injury or illness. Workers’ compensation also includes employer liability coverage, which may provide protection to an employer if an employee sues the employer in indirect relation to a workers’ compensation claim, often covering legal defense costs, up to the policy limits. Workers’

Read More »

Pre-Employment Screening

The Federal Motor Carrier Safety Administration (FMCSA) launched its Pre-Employment Screening Program (PSP) to allow commercial motor carriers to access driver inspection and crash records as part of the driver qualification and hiring process. Learn more about this national database in this data sheet. Read more by viewing the attached PDF. [button link=”/wp-content/uploads/2014/05/Pre_Employment_Screening.pdf” size=”medium” target=”self”]View PDF[/button] Pre Employment Screening

Read More »

Occupational Accident Insurance

It is the third most common insurance policy purchased by Owner Operators. It provides medical, disability, accidental death, and dismemberment benefits, but it’s not worker’s compensation! What is it? Learn more in this data sheet! Read more by viewing the attached PDF. [button link=”/wp-content/uploads/2014/05/Occupational_Accident_Insurance.pdf” size=”medium” target=”self”]View PDF[/button] Occupational_Accident_Insurance

Read More »

Independent Contractor or Employee

The issue of whether an individual may be classified as an independent contractor or employee is increasingly becoming a challenge. Some states are pressuring employers to justify classifications. Learn more by reading this data sheet about the issues. Read more by viewing the attached PDF. [button link=”/wp-content/uploads/2014/05/Independent-Contractor-or-Employee.pdf” size=”medium” target=”self”]View PDF[/button] Independent Contractor or Employee

Read More »

Got Owner Operators Coverage?

You’ve got questions. We’ve got answers! Do you know what coverage to require of Owner Operators and why? Would you like their bobtail policy to cover your deductible if they damage your trailer? Do you spend time chasing renewal certificates of insurance from Owner Operators? Our bobtail program for fleets will offer you, the motor carrier, the benefits listed in this PDF. Read more by viewing the attached PDF. [button link=”/wp-content/uploads/2014/05/Got_Owner_Operators.pdf” size=”medium” target=”self”]View PDF[/button] Got Owner Operators Coverage

Read More »

Get Trucking Insurance

Looking to get a quote on trucking insurance?

Fill out our proposal request form and our team will get back with you with a full insurance proposal for your fleet.