Protect your business in three easy steps
A business is only as safe as the tools it uses. One of the best tools a business can use to protect its assets is commercial auto insurance.
Understanding insurance can be tricky. One of the first steps toward making an informed decision is to understand coverage and service options. Here are three easy steps to help figure out your commercial auto insurance needs:
1. Choose an insurer with the right combination of price and service. Insurance isn’t just about price. It’s about service, too. How are claims handled? How long will it take to get your vehicle back on the road? Can you get questions answered outside of business hours or online? Know the answers to these questions. Your time is money.
2. Research your policy options. Having the right coverage is important. A standard commercial auto policy generally includes coverage for:
•injuries or damage that you cause;
•your driver’s injuries;
•injuries and damages caused by uninsured or underinsured drivers; and
•damage to or theft of your vehicle(s).
When it comes to damage that you cause, you may be required to purchase certain limits based on who you work for. For instance, if you work for certain home builders, you may be required to carry $1 million in liability limits. Consider how much you are willing to pay out of pocket if your liability in an accident is more than your policy limits.
3. Know how the policy is priced. You can control your insurance costs. To get the best rates, run motor vehicle reports on potential drivers. If you let your insurance lapse, you’ll probably pay more for your next policy. Ask about discounts, including paid-in-full and renewal discounts.
Just like your customers rely on your professional skills, call a professional independent insurance agent who will be in your corner, researching and recommending the best options.
“Commercial auto insurance is complicated, but it is vital to protecting your livelihood,” says Bill Kampf with The Progressive Group of Insurance Companies, one of the largest commercial auto insurers in the country.
For more information about commercial auto insurance, Call Sterling Peaks Insurance at 970-314-9188
Sterling Peaks Insurance, LLC
1048 Independent Ave Ste. A205
Grand Junction, CO 81505
Saving money is more important then ever!
Ever mowed a lawn in January? Or plowed a snowy driveway on a hot July day? If you own and operate a seasonal business, chances are you aren't working in the off-season, so the insurance you carry should be different than what you carry in-season.
Leading commercial auto insurers like Progressive offer seasonal insurance for businesses like landscapers, snowplow drivers, ice cream truck owners, and more. These coverages allow you to customize your commercial auto insurance based on when your business is running on all cylinders — and when it's not.
Progressive offers these tips for getting the most out of your policy in the off-season:
Claims handling capability is the most important feature we sell our commercial customers. Progressive consistently proves superior at settling commercial claims quickly. Call Sterling Peaks Insurance at 970-314-9188 for a free quote on your commercial vehicles today.
Chain of Custody and Authentication
Counsel should be prepared for challenges to admissibility and authenticity. As with any electronic evidence, data from wearable devices must be legitimate, accurate and related to the issue in question before it qualifies as evidence appropriate for use at trial. Proving authenticity and reliability may be difficult. Information from wearable technology could be susceptible to false readings or even fraud. Different devices record data differently. For example, one type of device might record someone as having taken 5100 steps in a day, while another might record only 2200. There have been lawsuits filed by Fitbit customers alleging that certain models did not give accurate heart rate readings.
Another obvious problem with data from wearable devices is that "self-quantification" lacks rigorous controls. Thus, these devices are not infallible sources of information. As with similar evidence, data from these devices will need a foundation showing that it is what you purport it to be, before it will be admitted into evidence. Then, it will be subject to cross-examination based on many potential criticisms, including accuracy.
Ethical Issues And Limits of Privacy
Data being collected and stored by individuals on their wearable devices can be unquestionably very personal in nature. But do those who choose to track this data have a reasonable expectation of privacy that could defeat discovery requests a motion to quash a subpoena? Arguably, the use of wearable technology by an individual to track his or her activity is analogous to keeping a diary. Just because it is personal and private does not shield from discovery.
Currently, there is no federal law that prevents health information gathered by wearable devices from being shared with third parties. Some health "apps" routinely share information, such as a user's blood glucose levels, with marketing companies, data aggregators and other websites out of the control of the individual user. Although some applications have privacy policies advising users how information will be shared, most users probably do not review these policies or appreciate their significance. If a wearable device user's information is already being disseminated to third parties, the user's contention that he or she expected privacy is likely to fail.
As more people are using wearable devices to track their personal data, the sources of information that can be gathered both prior to and during the course of litigation and, ultimately use at trial, is increasing exponentially. Attorneys and claims professionals should be thinking about the wide range of sources of information that may be available (including non-wearable devices) and the ways in which this information can impact a case. Although the goal of these self-tracking devices is to increase the user's health and well-being, this technology is also creating a trail of information that can truly provide an evidentiary goldmine to those savvy enough to know where to look.
Sterling Peaks Insurance, LLC
1048 Independent Ave Suite A205
Grand Junction, CO 81505
SPI Reflections Blog
Our blog is about educating our customers and the public about important insurance information that we feel is meaningful.