Motor carriers are in a hazardous industry and face four types of loss exposures: financial, property, liability, and personnel. Financial exposures include decreases in revenue resulting from a loss, such as a vehicle crash, as well as increases in expenses. Damage to equipment or your facility are examples of property exposures, while liability exposures involve third-party claims. The final loss exposure category is the most important: personnel. The loss of any worker, especially key personnel, can cause significant business interruption. That is why a motor carrier should be mindful of its responsibility to provide a workplace that is free of known hazards.
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