Don't Let the Sun Set on Your Coverage: A Super Bowl Strategy to Avoid Getting Sacked

Don't Let the Sun Set on Your Coverage: A Super Bowl Strategy to Avoid Getting Sacked


February 7th, 2024


Just as in the Super Bowl, where every second counts, the same applies to your insurance coverage.  Whether you're a Motor Carrier or Insurance Agent, staying ahead of the game means understanding the ins and outs of your insurance policy, particularly when it comes to the Sunset clause in most Contingent Liability policies.


Understanding the Play: The Sunset Clause


Just as a quarterback needs to know their plays, Insurance Agents need to understand the intricacies of the policies they offer.  In Contingent Liability policies, the Sunset clause is a key player.  These policies protect Motor Carriers from Workers Compensation claims made by Independent Contractors, helping to cover legal defense and indemnity payments for upheld allegations. 


However, just as a football game has a time limit, so do Contingent Liability policies.  The Sunset clause within these policies acts like the game clock, setting the maximum timeframe for reporting claims.  This period typically spans one to three years, after which the whistle blows, and no coverage is available if the claim is left unreported.


Staying Ahead of the Game: The Importance of Awareness


Missing the Sunset deadline can be as devastating for Motor Carriers and Insurance Agents as missing a game-winning field goal in the Super Bowl.  It could result in a hefty financial loss to the Motor Carrier and lead to potential Errors and Omissions claims against the Insurance Agent.


Our Contingent Liability Policy: The Star Quarterback with No Time Limit


Imagine a Super Bowl game where your star quarterback always has time to make that decisive touchdown.  That's what it's like to have our Contingent Liability policy, which uniquely comes with no Sunset clause.


This means that Motor Carriers can report claims without the pressure of a ticking clock, offering incomparable peace of mind.  Similarly, Insurance Agents can rest easy, knowing they won't face potential Errors and Omissions claims due to a missed deadline.


The Winning Strategy: Workforce Insurance Underwriters



As the saying goes, "The best defense is a good offense."  In this case, the best protection against unexpected claims is a thorough understanding of your policy and diligent adherence to its terms.


As we gear up for the Super Bowl, consider Workforce Insurance Underwriters as your top draft pick.  We offer a new Contingent Liability program designed with the needs of Motor Carriers in mind.  Don't let a Sunset clause sack your Motor Carrier client's financial security.  Contact us today, and let's make that winning play together.


To learn more about Workforce Insurance Underwriters and our new Contingent Liability program, click here.


Follow us @workforceinsurance on LinkedIn, Facebook, Instagram, and YouTube.

AGENT USE ONLY

20240202-3361429

A truck driver in a ghost costume for Halloween, symbolizing Workers Compensation ghost policies.

Workers Compensation Ghost Policies: Trick or Treat?

30 Oct, 2024
October 30th, 2024 | With Halloween around the corner, it's fitting to discuss a topic haunting the insurance industry—Workers Compensation ghost policies. Understanding these policies is crucial for Insurance Agents, particularly those dealing with Owner Operator lines of business. They may seem like a benefit initially but often come with more tricks than treats.
An orange clock on a laptop symbolizing daylight savings and claim timing risks of Sunset clauses.

When Time Falls Back, Keep Coverage Moving Forward: Navigating the Risks of Sunset Clauses

23 Oct, 2024
October 23rd, 2024 | Daylight savings time ends on November 3rd, which means shorter days and longer nights. Just as you adjust your clocks, it's also a great reminder to revisit your clients’ Contingent Liability policies—especially those containing a Sunset clause. The sun might be setting earlier, but their coverage shouldn't. Today, we're shedding light on this critical topic to help you stay ahead of the game and ensure the sun never sets on your clients' protection.
An orange umbrella amidst black ones symbolizes how TripExcess helps agents stand out in the crowd.

Stand out in the Crowd: How TripExcess® Opens New Doors for Agents

16 Oct, 2024
October 16th, 2024 | In today's competitive insurance landscape, staying ahead of the curve is essential for success. Insurance Agents are always on the lookout for unique products that not only meet their client's needs but also stand out in the market. Enter TripExcess®, a unique one-way excess insurance solution that has been a game-changer since its inception. We're excited to announce that TripExcess® coverage has now been expanded to include Canada, providing even more opportunities for Insurance Agents to offer unparalleled service to their clients.
An Owner Operator dealing with a Pre-Existing Condition covered by our Occupational Accident policy.

Leaves Are Falling, and So Are Risks: Insure Owner Operators with Occupational Accident Insurance

18 Sep, 2024
September 18th, 2024 | As the leaves start to fall and the nation prepares for the fall season, the Trucking industry gears up for one of its busiest times of year. This increase is driven by holiday preparations and the agricultural harvest, making the roads a bustling corridor of commerce. For Insurance Agents, this period is critical to ensuring that Motor Carriers and Owner Operators have added protection against the heightened risks accompanying this busy time. At the heart of this protection is Workforce Insurance Underwriters' unique offering: an Occupational Accident Insurance policy that stands alone in the industry by not excluding Pre-Existing Conditions.
Night cityscape with truck light trails and billboard for small fleet and B-1 Visa Driver solutions.

Drive the Future of Trucking Insurance: Innovations Supporting Small Fleets and B-1 Visa Drivers

21 Aug, 2024
August 21st, 2024 | In an era of rapid evolution within the Transportation industry, insurance coverage must keep pace to effectively address the unique challenges faced by small fleets and B-1 Visa Truck Drivers. At Workforce Insurance Underwriters, we are proud to announce the recent launch of two innovative products that place these specific needs at the forefront of our offerings: Small Fleet Truckers Occupational Accident Insurance and Truckers Inbound Travel Insurance for Mexican and Canadian B-1 Visa Truck Drivers. Both policies are designed to provide comprehensive, affordable, and tailored coverage that empowers our agents to better serve the modern trucking landscape.
Truck crossing US-Mexico border highlighting new insurance policy for Mexican B-1 Visa Truck Drivers

Workforce Insurance Underwriters Launches New Insurance Policy for Mexican B-1 Visa Truck Drivers

31 Jul, 2024
July 31st, 2024 | Jacksonville, FL — Workforce Insurance Underwriters, LLC, a leading Managing General Underwriter (MGU) specializing in the Owner Operator Truckers and Motor Carriers market, is pleased to announce the launch of a groundbreaking insurance policy specifically designed for Mexican B-1 Visa Truck Drivers operating in the United States.
An orange truck with text promoting Workforce's small fleet Occupational Accident Insurance policy

Workforce Insurance Underwriters Unveils Innovative Small Fleet Truckers Occupational Accident Insurance Policy

17 Jul, 2024
July 17th, 2024 | Jacksonville, FL — Workforce Insurance Underwriters, LLC, a leading Managing General Underwriter (MGU) specializing in insurance solutions for Owner Operator Truckers and Motor Carriers, is excited to announce the launch of its new Small Fleet Truckers Occupational Accident Insurance policy. This unique product seamlessly combines Occupational Accident and Contingent Liability coverage into a single, comprehensive policy.
Mexican flag on blackboard symbolizing Mexican B-1 Visa Truck Drivers

Understanding the Risks and Responsibilities: Mexican B-1 Visa Truck Drivers in the U.S.

26 Jun, 2024
June 26th, 2024 | In the intricate world of cross-border logistics, Mexican B-1 Visa Truck Drivers play a pivotal role. These drivers facilitate the seamless movement of goods between Mexico and the United States, an essential component of international trade. However, their unique visa status presents challenges and risks that U.S.-based trucking companies must consider carefully, particularly concerning Workers Compensation.
Truck driver walking by rear wheel with

Workforce Insurance Underwriters Announces Strategic Partnership with PAVO Insurance Solutions to Support Motor Carriers with Premium Financing

12 Jun, 2024
June 12th, 2024 | JACKSONVILLE, FL — Workforce Insurance Underwriters is thrilled to announce its strategic partnership with PAVO Insurance Solutions, the leader in digital premium finance. This collaboration aims to address the longstanding issue of upfront premium payments faced by Motor Carriers, marking a significant leap forward in Transportation insurance.
Satellite image of hurricane with severe weather warning and title

The Impact of Aggregate Limits in Truckers Occupational Accident Insurance

22 May, 2024
May 22nd, 2024 | The approach of the Atlantic hurricane season, which spans June 1st to November 30th, brings not only the threat of storms but also a reminder of the various risks faced by those in the Trucking industry. For Insurance Agents, understanding the nuances of Truckers Occupational Accident Insurance is paramount, particularly the implications of policies with Aggregate Limits. This blog aims to shed light on why not having an Aggregate Limit can lead to enhanced coverage and happier Motor Carrier clients.
More Posts
Share by: