Navigator Truck Insurance Agency

The Navigator Blog

Do I need Garagekeepers Insurance?

Let’s start with a few questions. Do any of the following activities apply to your operation? Operate a repair shop Provide towing services Store equipment or containers owned by others Allow other truck drivers to park on your premises If so, you should consider Garagekeepers…

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Do you need garagekeepers coverage?

If you run a shop, do some towing, or allow other truckers to park on your premises, you may be held legally liable for a loss to a non-owned auto. A garagekeepers policy provides physical damage coverage for trucks, tractors, or trailers that you do not own but are in your…

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Do You Pick-Up or Deliver in the State of New York?

You should be aware that any trucking company who completes any “work” (i.e. picks up or delivers) in the State of New York is required to carry a full, statutory workers’ compensation insurance policy. Stopping within the state for breaks, DOT inspections, and so forth is not…

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Do young drivers bring more risk?

One debate that has been tossed around the industry for years is whether young drivers can safely operate trucks and how young drivers impact loss experience. Generally, it has been agreed upon that young drivers bring more risk. While there has been research linking risk and…

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Drug and Alcohol Testing

When is a drug test needed? Did the accident involve your CMV? Did the accident occur on a public road? Was someone cited for a moving traffic violation? There are many factors involved. Read more by viewing the attached PDF. [button…

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Drug and Alcohol Testing and the FMCSA

I regularly receive phone calls from clients asking me if they have to test their drivers for drugs and alcohol when they are involved in an accident. I generally advise my clients that taking a zero tolerance approach to drugs and alcohol is in their company’s (and their…

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Educating Family and Friends in Post Accident Procedures

Recently one of our local news stations posted a breaking news story to their website warning that a crash between a tractor-trailer and car had shut down a major highway. The details were tragic. The car’s passenger had passed away and nearly everyone else involved in the…

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