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Transportation Risk Management

The transportation industry is complex and it takes an experienced risk manager to protect motor carriers from the pitfalls that seem to appear around every corner. At Kingfish Insurance Services we understand the industry and have two carefully crafted risk management programs to shield the assets of the transportation company, properly insure drivers, and restore the transporation company's peace of mind.

We are ever watchful for dangers like:

Mis-Classified Drivers
Implications of Physical Damage and Contingent Liability Insurance
Implications of buying Workers Compensation for your drivers

Do you have 1099 Independent Owner/Operators who really only drive for your company?
	*What's the Risk?*	*Examples*	*Our Solution*
	In the event of an accident, the driver may seek to be deemed an employee by the workers' compensation board, and gain access to your corporate Workers' Compensation policy. This opens the door to the driver, and all the other 1099 drivers to demand employee benefits.	IRS MEMORANDUM OF UNDERSTANDING Truck Drivers Sue large Port Newark Trucking Company Over Pay Deductions IRS Probing Trucking Companies: Possible Reclassification of Drivers as Employees Could Cost Area Firm Millions FedEx Drivers Launch Suit for Reclassification Efforts to Reclassify Port Truckers Ramping Up *Video* (Webinar #1 ) (Webinar #2 ) (Webinar #3 )	Our program builds a firewall between the transportation company and driver and insures the driver properly


Do your 1099 Independent owner operators use Occupational Accident and Contingent Liability for insurance rather than Workers' Compensation?
	*What's the Risk?*	*Examples*	*Our Solution*
	Because the benefits a driver can receive from Contingent Liability and Occupational Accident coverage are significantly less than Worker's Compensation, the driver may seek to be deemed an employee by the Workers' Compensation Board. This opens the door to the driver, and all the other 1099 drivers to demand employee benefits.	*Slide Show* (PDF) / (PowerPoint)	Our program ensures that drivers have access to the proper coverage so that they do not seek to be deemed employees and also builds a firewall between the motor carrier and driver to protect against the liability incurred when a 1099 Independent Contractor is deemed an Employee.


Do you provide Workers' Compensation insurance for your 1099 Owner/Operators and subtract premium from the driver's settlement?
	*What's the Risk?*	*Examples*	*Our Solution*
	Worker's Compensation is a standard benefit extended to Employees. This lays the groundwork for an arguement that the 1099 Independent Contractor may actually be more like an employee than an Independent Contractor. This opens the door to all the 1099 drivers to demand employee benefits. (401k, Health Care,	*Slide Show* (PDF) / (PowerPoint)	Our program builds a firewall between the motor carrier and driver and insures the driver properly

We Recommend Lemore Insurance for Retail Commercial Insurance in California and Trucking Insurance in California.

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