Entries by kingsgateinsur

Crop Insurance 101: Basic Hail Coverage

A Basic Hail policy is a type of crop-hail insurance policy that provides coverage for damage to crops caused by hailstorms. Below are some characteristics to understand when considering this policy type: It’s important to note that Basic Hail policies may not provide coverage for all types of damage to crops, such as damage caused […]

Trucking Industry Trends to Watch in 2024

Trucking industry conditions are constantly evolving, and businesses in the truck transportation subsector need to be aware of the changing landscape to maintain operational success. This year, trends that could impact the industry include economic challenges, driver shortages, social inflation contributing to rising commercial auto insurance rates, and utilizing electronic vehicles (EVs) in compliance with […]

Understanding Common CGL Policy Exclusions

Commercial general liability (CGL) insurance is an essential form of coverage for any organization. Such a policy can provide much-needed financial protection if an organization is held liable for injuring third parties or damaging their property amid nonprofessional negligent acts or in the course of its usual business operations. This type of insurance may also […]

Understanding and Preventing Distracted Driving

In today’s fast-paced world, the prevalence of distractions on the road has become a critical concern, especially for businesses with commercial fleets. Distracted driving poses significant risks not only to drivers themselves but also to others sharing the road. For businesses that rely on vehicles for essential tasks, understanding and mitigating the dangers of distracted […]

Crop Insurance 101: Precision Farming

Many Approved Insurance Providers (AIPs) facilitate the use of Precision Ag data. You already have the data, save time by using it for your crop insurance. Benefits Prerequisites Steps To learn more about the insurance products available for farm risk management, reach out to Chelsea Heatherington at Kingsgate Insurance. Chelsea Heatherington, Farm & Ag Specialist […]

OSHA Announces Final Rule on Worker Walkaround Representative Designation

On March 29, 2024, OSHA announced its final rule that clarifies the rights of employees to authorize a representative to accompany an OSHA compliance safety and health officer (CSHO) during a walkaround inspection of their workplace. The final rule was published in the Federal Register on April 1, 2024. The rule will go into effect May 31, […]

Homeowners insurance and roof storm damage: What you need to know

As a homeowner, it’s crucial to understand how your insurance policy works, especially regarding roof damage. In this blog post, I’ll explore common questions about homeowners insurance coverage to help you understand the process. Roof storm damage questions and answers Q: What types of roof damage are covered by a homeowners policy? A: A standard homeowners […]