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A road sign that shows a car tow truck, which raises a passenger car on board

State of the Tow Industry

        I last wrote an article on The State of Tow Insurance for 2017, and things have only gotten worse.  As expected, Insurance Carriers continue a downward trend to what is considered a “hard market.”  A hard market is what happens when there are only a few insurance carriers willing to offer insurance coverage (like tow). Over the last two years we…

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OSHA Active in 2018

OSHA Active in 2018

2016 was an anomaly, with decreased inspections locally of automotive facilities.  Inspections increased around 50% in 2017, and we cannot assume those trends will decrease.  Additionally, on October 1, 2017; the OSHA Region VIII Office renewed the Local Emphasis Program Targeting the Automotive Industry for 2018.       WHAT ARE THE KEY FACTS OF THE 2018 OSHA AUTOMOTIVE LOCAL EMPHASIS PROGRAM? Since the inception of the…

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OSHA Wrap Up

OSHA Wrap Up

Because OSHA is ahead in Colorado, we published a six part series on how to address the fact that OSHA has a focus on workplace violations in the automotive sector in Colorado. We also discussed how being prepared for an OSHA inspection provides additional benefits to your risk management program. Here are the takeaways from the series. OHSA is focused on finding workplace violations in…

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OSHA Ahead Part 6

OSHA Ahead Part 6

When it comes time for renewal of your insurance policy, you can use the fact that you are pro active in creating a workplace that goes beyond what the federal government mandates with regard to occupational safety to create a better, more cost effective risk management program. One thing an insurer looks at when underwriting a risk is the history of losses. Because being pro…

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OSHA Ahead Part 5

OSHA Ahead Part 5

This article is part five of a six part series discussing how OSHA is Ahead for the automotive industry in Colorado and how businesses in the automotive industry can make sure that they are compliant when OSHA comes to perform an inspection. We have previously discussed: OSHA’s focus on making sure the Automotive Industry in Colorado is compliant Identifying items that are subject to citation…

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OSHA Ahead Part 4

OSHA Ahead Part 4

One of the things that any entity can do in order to reduce the risk of being cited by OSHA is to develop and implement a written safety plan. In this article we will discuss developing the plan in house, and discuss the resources an entity can use to analyze, write and implement the plan. This is the fourth of six installments of a series…

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OSHA  is ahead for 2017

OSHA is ahead for 2017

On October 1, 2016; the OSHA Region VIII Office renewed the Local Emphasis Program Targeting the Automotive Industry for 2017. WHAT ARE THE KEY FACTS OF THE 2017 OSHA AUTOMOTIVE LOCAL EMPHASIS PROGRAM? Since the inception of the Local Emphasis Program on April 16, 2013, the Englewood Area Office has conducted 257 inspections. 77% of the time (in 197 inspections,) the inspection resulted in a citation. OSHA is taking…

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Who Needs a DOT Number

Who Needs a DOT Number

When you think of a vehicle that needs a DOT number, you probably think of a bus used to transport passengers or an 18 wheel semi truck. The definition of a vehicle subject to DOT regulations is broader, as it includes, Vehicles weighing 4,536 kg (10,001 lbs) or more, Vehicles with a gross vehicle weight rating or gross combination weight rating of 4,536 kg (10,001 pounds) or more, Vehicles…

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The Dude Knows

The Dude Knows

  Warning: TOW RATES are taking on major rate hikes…In some cases by over 200% It is a virtual Tsunami! Help is on the way, just call “The Tow Dude” The Dude Has Got It: 10 different admitted A rated Insurance carriers 27 years dedicated solely to transportation Industry “Best in Class” gets at least 10% reduction in premium through discounts Contact “The Dude” by…

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Essential Items to Keep in Your Car

Essential Items to Keep in Your Car

Cars can often feel like second homes for many busy Americans. But just because you feel safe traveling in your personal bubble, it doesn’t mean you always have everything you need. Travel can be unpredictable, and you never know how far you’ll be from a repair shop or gas station should trouble occur. Be ready for anything by keeping a few key items on hand, just in…

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Hurricanes and Your Tow Insurance Rates

Hurricanes and Your Tow Insurance Rates

  How might recent weather events like hurricanes Irma and Harvey impact your tow insurance rates? Huh?  What does a hurricanes that causes 100’s of billion dollars in damage in another state(s) have anything to do with my tow insurance rates? To answer that, let’s first look at how insurance rates at set: The biggest factor that impact your individual rates is your individual performance…. meaning claim activity and total…

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Medical Examinations And FMCSA

Medical Examinations And FMCSA

Colorado Requires A Medical Card for Commercial Drivers: The FEDERAL MOTOR CARRIER SAFETY ACT (FMSCA) requires drivers of commercial motor vehicles engaged in interstate commerce to have a medical examination performed by a medical provider authorized by the FMCSA. The purpose of the medical examination is to screen for conditions which affect the ability of an operator of a Commercial Motor Vehicle to safely operate…

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CyberRisk part-2 of part-2

CyberRisk part-2 of part-2

Last month we discussed how cyber liability exposures are typically not included in commercial insurance programs . . . see our blog post on our website. SO — What are Steps You can take to control Cyber Risks: 1. Invest in virus protection, malware and internet security software.The worst mistake a business can make regarding its cyber protection is not having any at all. A…

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OSHA to Continue in 2016

OSHA to Continue in 2016

October 1st, 2016, Denver Colorado OSHA to continue Automotive Industry Focus in 2016 On October 1st, 2015 the OSHA Regional Office renewed the Local Emphasis Program Targeting the Automotive Industry for 2016. WHAT ARE THE KEY FACTS OF THE 2016 OSHA AUTOMOTIVE EMPHASIS PROGRAM Initially a 2013 to 2014 Program — renewed for 2015 — renewed again for 2016 The 2013 to 2014 program inspected…

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Cyber crime concept in word tag cloud isolated on white background

CyberRisk part-1 of part-2

CyberRisk Insurance – you probably have no Coverage . . . . . . Commercial General Liability Policies, Commercial Crime Policies, Commercial Property Policies, Business Owner Protection Policies, Garage Liability Policies, Professional Liability Policies do not offer coverage or specifically exclude coverage. Cyber attacks have become so commonplace in the daily news cycle and small businesses are vulnerable and often don’t have the resources to…

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OSHA–Colorado’s “Emphasis Program” generating fines and penalties within the automotive industry-PART THREE OF SIX

OSHA–Colorado’s “Emphasis Program” generating fines and penalties within the automotive industry-PART THREE OF SIX

OSHA–Colorado’s “Emphasis Program” generating fines and penalties within the automotive industry PART THREE: Simple steps you can take to prioritize and address and eliminate common non-compliant areas SIMPLE STEPS TO ADDRESS AREAS IN YOUR BUSINESS SUBJECT TO CITATIONS Use the results from an inspection conducted by our current workers compensation provider Use materials available from your parts supplies websites on safety and compliance or from…

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OSHA–Colorado’s “Emphasis Program” generating fines and penalties within the automotive industry-PART TWO OF SIX

OSHA–Colorado’s “Emphasis Program” generating fines and penalties within the automotive industry-PART TWO OF SIX

OSHA–Colorado’s “Emphasis Program” generating fines and penalties within the automotive industry PART TWO: How you can quickly identify areas in your business subject to immediate citations. IDENTIFYING AREAS IN YOUR BUSINESS SUBJECT TO CITATIONS Use your current workers compensation provider to conduct an inspection Request your current workers compensation provider to provide you a self-inspection checklist Use an OSHA outreach program, available through Colorado State…

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OSHA–Colorado’s “Emphasis Program” generating fines and penalties in the automotive industry- PART ONE OF SIX

OSHA–Colorado’s “Emphasis Program” generating fines and penalties in the automotive industry- PART ONE OF SIX

OSHA–Colorado’s “Emphasis Program” generating fines and penalties within the automotive industry PART ONE: The Scope of the Occupational Health and Safety Administrations’ (OSHA) emphasis Program and historical top citation areas WHAT ARE THE KEY FACTS OF THE OSHA AUTOMOTIVE EMPHASIS PROGRAM It was a 2013 to 2014 Program which was renewed for 2014 to 2015 in October 2014 The 2013 to 2014 inspected 137 facilities generating 105…

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