International Door & Operator Industry

JUL-AUG 2018

Garage door industry magazine for garage door dealers, garage door manufacturers, garage door distributors, garage door installers, loading docks, garage door operators and openers, gates, and tools for the door industry.

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62 International Door & Operator Industry™ ASSOCIATIONNEWS Continued from page 60 If you want additional information about the advantages of the IDAssurance Program or have general insurance questions, please contact Andrew Stergiou at 212-603-0321 (astergiou@alliant. com). Alliant Insurance Services, Inc. is the consulting broker for the IDAssurance Program, is one of the largest and most experienced insurance and surety bond brokerage firms in the country. Questions? Please do not hesitate to call Andrew Stergiou at 212-603-0321 (astergiou@alliant.com) • General Liability, Automobile, and Workers Compen- sation written with AmTrust – An admitted A rated Company by AM Best • $0 deductible on the general liability, workers com- pensation and automobile (Except $1,000/$1,000 comp/collision deductible) on all policies • NO residential exclusion; Includes condo and tract housing work • Ability to receive certificates of insurance within 2 hours of the request via email • Policies specifically tailored for the IDA members • General liability per project with aggregate • Broad and comprehensive coverage • Completed Operations for Additional Insureds • General liability, workers compensation, and automo- bile liability waivers of subrogation (Blanket Waiver of Subrogation) • Primary & Non-contributory endorsement that employees must follow and serves as proof positive that your organization is putting safety at the forefront, both on the job and on the road. Need help writing one? We can point you in the right direction. CLAIM SCENARIOS While workers' compensation laws vary from state to state, most auto-related workers' compensation claims cover the following situations: • Driving to or from a business appointment • Performing an errand for an employer • Making deliveries • Transporting another employee This leads to a vast array of potential claim scenarios. Here are just a few examples: Scenario 1 One small oversight, one huge claim. A pedestrian is seriously injured when an employee runs a red light. It turns out the employer neglected to check the motor vehicle report (MVR) of the newly hired employee, and his license has been suspended for a DUI. The injured pedestrian files a $2 million negligence suit against the employer. Scenario 2 The long…long road to recovery. The recovery of an employee who injured his back and had multiple fractures draws on endlessly. Months after the accident, he still is in a lot of pain and says if he hadn't felt so much pressure to get to the appointment, the accident would have never happened. A few weeks later, the employer is hit with a six- figure suit for pain and suffering. Scenario 3 A bad brake. An employee rear-ends another vehicle on route to an appointment, injuring his neck and back and causing thousands of dollars of damage to the employer's vehicle and the other car. The employee says the accident was caused by brake failure and could have been avoided with some simple maintenance to the truck. Shortly thereafter, the employer is sued for pain and suffering. ADVANTAGES of the IDASSURANCE PROGRAM

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