Jun 2014

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• What Is The Meaning of a Route and Route Truck? – A collection of various stops make a route where products are picked up by the trucks and delivered to the customers like delis, diners, supermarkets, grocery stores, nursing homes, schools, factories, office buildings et al. Routes need to be purchased and can be name brand routes as well. The different route types include office cleaning, Fed Ex, catering, coffee, meat, bread, cakes, beverages, snacks, cookies, ice cream et al. Most companies get their routes secured which means that other companies are not allowed to use that route for delivering in that particular company’s area. Routes that are not protected become independent routes. Route truck is a truck that is in the above mentioned business.
• What Are The Benefits of Route Truck Insurance? – Various insurance types can be taken on route trucks, depending on the requirement. If the right insurance is taken, following are the benefits that can be expected –
•  Because of route truck insurance, the utilization of truck services can be maximized.
• If the route planning is optimized and done efficiently, it would prevent taking of longer routes. Thus, increased turn-around time could be avoided and this would lead to gains for the business.
• Because of optimized and efficient route planning, mileage can be reduced. Reduced mileage directly reduces the cost of fuel and the margins of business could be increased because of this. Also, since fuel happens to be one of the major and more regular of expenses, any savings in this area would lead to great savings in the longer run and efficient utilization of resources as well.
• Business revenues can be further improved because of the planning, since it would lead to reduction in overtime by drivers, thereby reducing wages paid to drivers. Driver wages is the second most frequent item on the expense statement and by reducing the overall driver wages, precious bucks can be saved which can be rerouted in the business for better quality and customer satisfaction.
• Route truck insurance that is taken specifically for certain designated routes would take care of all and any liabilities related to employees and drivers. It would also provide protection to the company in case of any untoward events or disasters. The cargo would receive protection with the help of the insurance in case it gets destroyed in a disaster.
• Why Is Route Truck Insurance Better Than General Insurance? – Every route comes with its own set of risks that arise because of conditions of the road, history of the route’s safety, the climate that is usually prevalent in the route’s area and similar other factors. Factors like driver’s age, experience, employment, driving record, accident history, company’s history and records et al are also important factors that contribute towards premium. With route truck insurance, agents who are specialized and experienced in analyzing such conditions help the company find the right insurance, keeping all the route’s risks in mind. A general plan, on the other hand, may or may not be able to provide such a specialized perspective for a route truck. It might not even be applicable to a specific designated route that a route truck follows.

The route truck insurance needs to be the best fit for a company operating in the said business. It should be right, keeping in mind the haulage capacity, cargo and similar factors for route trucks that operate on designated routes. For choosing the right route truck insurance, insurance specialists can be contacted who would be able to study all the details and create a customizable package that is specific to a route truck. This would also ensure maximum protection as it is tailor made for a particular business’ preferences.