You may have received letters from your local utilities (water and sewer authority or the power company) offering to protect the underground lines that deliver your utility service.  Many homeowners are surprised to learn that they are responsible for repairs to these lines.  These communications have generated questions from our clients and they have prompted many insurance companies to respond.   Service Line Coverage Until recently, homeowners’ policies excluded coverage for damaged utility lines.  As…

Technology to Monitor and Assist Drivers New technology can alert employers about potential distracted driving situations. Electronic logging devices use hours of service data to monitor how long truck drivers spend behind the wheel and the length of their rest periods. Additional software can monitor drivers using in-vehicle cameras and send signals when their heads nod or their eyes wander. There are also smartphone applications that shut off distractions when vehicles are moving. Automated Vehicles…

For many commercial fleets, driver and public safety is a top priority, and organizations take great care to prevent costly and potentially deadly accidents. While a number of factors can lead to a crash(e.g., impaired driving, poor road conditions and adverse weather), distracted driving is a common, preventable cause of accidents. Data from the National Highway Traffic Safety Administration (NHTSA) indicates that every year, up to 391,000 people are injured and 3,450 people are killed…