ExpeditingInsurance.com
 
 

Do you have seminars for the newcomers to expediting?

Do you have seminars for current expediters?
Haz Mat
What do I have to do to be successful in Expediting?
What will I do that may cause me to fail as an Expediter?
Are there required insurances for my Expediter unit?
Is a cargo van better than a pick up?
Orientation
What are freight lanes?
Cargo insurance
What relevant ?'s should I ask when choosing a carrier?
Job hopping and carrier switching and it's still not worth it?
Can a carrier hold back a final settlement?
Why do carriers hold back final settlements and for how long?
Sleeper / Sleeper Birth
Service failure
Shipper
Bobtail insurance
Com Data
Qual Comm
Workman's Compensation insurance (Workman's Comp.)
Lease Agreement
Dead Head
Protect time / door time
Primary Liability insurance
Occupational Accident Insurance (OCC / ACC)
ICC Bumper
Consignee
Fuel Surcharge
BOL (Bill of Lading)
Comprehensive & collision insurance (Comp & Collision)

 

Do you have seminars for the newcomers to expediting?

Yes! You can register for one on one expert coaching on the ins and outs of becoming an expediter.Before you invest, find out more first.  View carrier Lease Agreements, who pays what and how to read in-between the lines about carrier offers, meet a participating recruiter, talk to dispatchers, safety managers, learn about the best types of vehicles to choose from, required equipment & specifications, log books, insurance, Authority, Canada and all of the ins and outs and the risks & rewards of expediting. Straight truck owners, don’t jump at the highest paid carrier, it’s not necessarily the best offer, we'll tell you why!

Struggle & failure turned into success; Private sessions are scheduled every day except Sunday’s in Fort Wayne, Indiana. Session presenters are current & prior expedited Owner Operators who have struggled, failed and finally made it to profits, do what they have done, learn what they have learned and join a crowd of financially secured expedited business owners.  Session presenters are business owners that have, and know how to pull out from financial disaster. All attendee’s can learn how to go from doom or gloom to financial success.

One on one seminars are 6 hours, from 08:00 to 2:30 p.m. CST with luncheons provided. $150.00 fee and follow up sessions provided for $75.00.

All qualified OOP’s that have turned their situation around will be offered a position on this panel of experts and can participate in future seminars.

Simply send an email to seminarregistration@expeditersnetwork.com.
Be sure to include any details you can offer regarding your situation, name, phone number and email.

 
Do you have seminars for current expediters?

Yes! You can register for a one on one session of how to make more money from carriers. Get to the roots of why your not making enough money. Read between the lines of your Lease Agreement. Find out why your not loaded as much as you’d like, why your sitting idle at truck stops for long periods of time and what may be influencing it or causing it. Find out what’s causing you to not have enough money left over after you get your settlements and what you can do about it. Audit the settlement deductions and your per mile pay and find out what's really going on and what your paying for, getting or not getting.

Struggle & failure turned into success; Private sessions are scheduled every day except Sunday’s in Fort Wayne, Indiana. Session presenters are current & prior expedited Owner Operators who have struggled, failed and finally made it to profits, do what they have done, learn what they have learned and join a crowd of financially secured expedited business owners.  Session presenters are business owners that have, and know how to pull out from financial disaster. All attendee’s can learn how to go from doom or gloom to financial success. Straight truck owners, you can make more money!

One on one seminars are 6 hours, from 08:00 to 2:30 p.m. CST with luncheons provided. $150.00 fee and follow up sessions provided for $75.00 each.

All qualified OOP’s that have turned their situation around will be offered a position on this panel of experts and can participate in future seminars.

Simply send an email to seminarregistration@expeditersnetwork.com. Be sure to include any details you can offer regarding your situation, name, phone number and email.
 
Haz Mat

Hazardous Material. This is an endorsement you need to qualify for through your local Bureau of Motor Vehicles.

 
What do I have to do to be successful in Expediting?

1. Sufficient access to cash to operate with. If your running with limited start up capital, expect things to be difficult until full payroll comes in routinely. Be prepared for first paycheck deductions such as satellite installation / removal and insurance's,  these will lower your first pay check. 

2. A computerized navigation system for door to door directions and to re-navigate from detours etc.. A satellite system may be required to lease from your carrier, these often provide directions but not, door to door. These are usually vague directions and do not cover the un-expected situations that will not automatically re-navigate for you. Bet Buy ®, Office Depot, Radio Shack ® carry many brands. Look into a Garmin, Magellin, or Lowrance, they start at around $300.00 and will save you time, money and Service Failures.

2A. You should rely on your computer to plan your trip. Program your nav unit choosing "Shortest route, favoring major highways". Atlas’ can be deceiving, you may think it’s the best route, it may look visually appealing, but it probably will take you out of the way, chopping in to your protect time and fuel costs and increasing your mileage unnecessarily. Be careful you type in your addresses correctly. If you mis-key a digit in a zip code, it could take you to the wrong address, but you’ll navigate there just fine. If you’re a carpenter, you need sharp (tools) saw blades, if you’re an Expediter, you need sharp (tools) nav tools as well.

3. A current truckers road atlas for trip overviews. Be sure you have check points (landmarks - intersections, water, bridges etc.) along your route to assure your going correctly. Following this procedure, you’ll have back up that it matches your nav route reducing the chance of mistake.

4. A late model reliable vehicle receiving lots of pro active maintenance. It's cheaper to take care of your unit in manageable chunks instead of costly / crippling repairs.

5. Ability to stay out on the road, limiting dead head. Your target should be to have freight in your unit whenever your moving, (except when your dead heading to go pick up a load or heading home / off the board). What ever your pay rate is per mile, if you dead head home daily, you technically can cut that pay rate in 1/2 for every mile. Plan on staying out for a week at a time or better if your lifestyle permits it, otherwise, at least stay out for 2-3 days and only go home if your relatively close.

6. Straight trucks - 2 drivers (team). A team in a truck will help prevent failure. Any unit, any unit, over 10,000# GVWR as an Expediter, must maintain a log book, limiting your work daily hours. A team will be able to keep those wheels rolling and loaded. Your odds of capturing all loads offered to you with no working hours restrictions is very beneficial. Cargo vans really won't benefit from a team, these units can often only support one paycheck (and the units operating expenses). Obviously, your financial situation when stable will optimize your chances for any business type success.

7. Purchasing fuel at best rates, even a penny a gallon discount means a lot. Fuel will most likely be your biggest expense, therefore it can offer you your biggest cost savings. Every penny with full time miles WILL add up.

8. Adequate cargo dimensions on the boxes of straight trucks and door height of Cargo Vans.
8A. A 102“ x 102“ box is best for a straight truck. This is typically the BEST box size to get. This size will enable you to capture just about every load and the dimension characteristics of each load. This box size will give you 98 inches of wall to wall freight, rendering you the ability to put two full size 48 inch skids side by side. If you can't run two full size skids side by side, you'll have to run a “stripe“ or row of pallets down the middle and NOT utilizing all of your space to it's maximum. When this
occurs (example) a 24 foot truck becomes a 12 foot truck, since the unit can only hold 6 pallets instead of 12. A 102 x 102 box will be able to fit all 12 pallets.
8B. Cargo vans in Expediting are best when there's 48 inches of height (the door jam opening). Be sure to get a van that has 48 inch dimensions (tall) and 48 inches between the wheel wells. Again, typical full size skids can be inserted in these units without having to refuse a load.

9. Pay As You Go! Avoid mounting credit card debt for fuel & other staple expenses.

10. If your carrier is not moving you regularly and your staying in truck stops more
than you have runs, you should really consider switching carriers. If you accept
this, shame on you. If your missing out on daily runs because your spending
peak time getting oil changes, coordinating minor repair or maintenance, garage
sale-ing, fishing or goofing off, then your check will mirror your unproductive
behavior or your carriers unproductive behavior.

The bottom line is this. If you work hard, don’t dead head too much, your aggressive in making the right choices to capture the loads, your NOT in debt up to your ears, you don’t miss loads during peak times to do things that can be done during slow times, weekends, shut downs, you should make a nice pay check.

Every carrier has their own individual fingerprint. If their methods don’t quite match yours and it causes financial pain for you, you should research other carriers for a better match, but you shouldn’t blame the carrier if you fail, because you may be part of the problem. If you remain with a carrier with poor behavior patterns (too much truck stop time instead of load time), it's your fault if you stay and if you do, don't blame them, blame yourself. All drivers should expect some down time / truck stop time, NO business is 100 % of the time, 100% of the time. Expect periodic slow periods, be prepared for them, their will be peaks & valleys in this business and EVERY OTHER business as well. You'll only be a s strong as your foundation is, influenced by that of a productive or non-productive carrier.

If you talk to another driver and they say good things or bad things about a carrier, those circumstances, good or bad, may not apply to you. Example; If another driver says I work for "xyz" company and I make a lot of money, it could be because they live out on the road (doing more loads than you can), if you go home daily, you couldn't make as much as that other guy because your, not working a s much, wasting a lot of fuel and running lots of unpaid empty miles. Just because some other guy says he's happy or he's not, REMEMBER, his circumstances, lifestyle, financial situation, vehicle type etc., is most likely, NOT even close to yours therefore, not truly representing what may or may not happen to you. He could be doing awful with a particular company, but you could do great and vice versa because fingerprints and circumstances are not quite the same. Judge your success or failure on your own situation, NOT someone else's hearsay.

If you meet a driver that is a "Bitchin-Bob" as people call them, and they have nothing good to say about a particular carrier, it does not make it true. Example; That failed driver may have made alot of money but had excessive debt and couldn't make enough money no matter where they worked, but find it easy to blame the carriers for their shortcomings.

If you quit a carrier for another, you can expect a delay with your final settlement to cover any claims against your last deliveries. If you do quit, it should be for the fault of the carrier not yours. Be careful to choose who's at fault for things not working out.

Be sure to do your homework when choosing a carrier, their ways of business may not match yours or your operating schedule or level of ambition may not be right for Expediting and cause conflict or insufficient income levels. You’ll need to save up prior to your departure to cover the cash lay out until your first paycheck with your new carrier.

Finally, there is more, but this will help you off to a great start. You can make lots of money if your situation allows it and your carrier is also a good coach. You can submit questions to qualified experts right here on eXpediters Network.com, if we can't get you a good answer, we'll find one for you. Our Opinion Leaders Panel, a panel of experts who have had their share of scrapes and bruises, veteran Expediters can help you and all information will be held in strict confidence. Just email us here at eXpediters Network for assistance. 

Good luck from eXpediters Network.com

 
What will I do that may cause me to fail as an Expediter?

Common failure reasons for Expediters

First off, make sure you understand, running any business is not easy. It takes commitment, persistence, operating cash, ability to budget, conserve resources, plan ahead, be prepared.

We have heard many of stories of expediters failing MAINLY due to insufficient cash resources. EVERY business has peaks and valleys. Be prepared for slow times, bad weather, breakdowns / costly repairs, slower economy etc., which can and will affect your bottom line. For expediters who like to gome daily, this is waste! EXAMPLE: Figure if your doing an average of 300 paid miles a day and you dead head home daily (300 additional UNPAID miles), at the end of the week, you will have done 3000 miles and only paid for 1500 of them. This is big waste. It's best to go home when your close enough or on the weekends. Some companies focus only on the Midwest and if you live in this area, the odds are you'll be close to home and can stop in periodically as needed. Remember, the more paid miles you do, the bigger your check. Avoid as many empty miles as you can.   

Units over 10,000# GVWR running with no log books.

Inability to navigate and overcome route challenges.

Driving to fast to make up time, reducing fuel economy.

Insufficient operating capital.

No proper strapping system to secure freight in transit.

Dead Heading home daily or too often.

Running on a percentage based pay vs. a flat rate ratio.

Poor preventative maintenance on your unit.

Not capturing business expenses related to your unit / job.

Failing to keep receipts for expenses.

Failing to have taxes done correctly, capturing all possible deductions.

Not being available during peak times with your company.

Not choosing shortest routes favoring major highways.

Choosing a route because it "appears" to be the best visually on a map but it’s
not.

Too many tickets / moving violations / drug or alcohol related offenses on your
driving record.

Your unit is a 1 ton cargo van and has a 4 rear wheels / smaller space in between
the wheel wells due to the extra 2 rear wheels preventing you from capturing full size 48" skids restricting your ability to get every possible load offered to you.

Too much debt, credit cards, high interest and being over extended.

Choosing a carrier that pays 1 flat rate for all miles.

Your dock high straight truck has a lift gate instead of a ICC bumper.

Your dock high straight truck does not have a 102" x 102" door opening rendering 98" x 98" inside dims for full size pallets, double stackable high and two 48 inch pallets side by side.

Insufficient cargo capacity (1/2 ton units) on pick ups or vans.

6 foot beds instead of 8 foot beds.

Your unit has wheel well and / or gas tank obstructions instead of a flat floor, wall to wall, limiting your cargo sizes to capture.

 
Are there required insurances for my Expediter unit?

You should have at a minimum, the following insurance's if your an Expediter.

You should either get them on your own or make sure your carrier is setting
up the following insurance's on your unit. If the carrier sets up the insurance through their umbrella policy or underwriters, then they will deduct the fees for the insurance's from your pay check. Regardless of the type of vehicle you have, you need the following.

Comprehensive & Collision insurance

Bobtail insurance

Cargo insurance

Primary Liability insurance

Occupational Accident Insurance (Occ/Acc) - Similar to workman’s comp. Insurance.

The costs for the above insurance's can vary based on the carrier size, but they're all going to very close in cost, regardless of carrier.

 
Is a cargo van better than a pick up?
Generally speaking yes. As an Expediter, you'll find out that you will probably sleep in your vehicle. Most expediters do this, just like the drivers of big vehicles like straight trucks and tractor trailers. These units have “sleeper births” attached to the cabs used for sleeping. If you have a pick up truck, you may find it difficult to sleep in it since the most practical area would be in the back in the cargo area. If you do this, you'll discover it's not insulated, possibly dangerous due to exhaust fumes, hard to lock yourself in and you'll have to get dressed to get back inside the drivers seat since you'll have to walk around the vehicle on the outside. If you have a cargo van, you'll be able to just jump into the cargo area from the front seat and you'll be able to heat and air condition the cargo area from the dashboard vents or other equipment. You'll also have more than one entry / exit point in a van, meaning the rear and side cargo doors and of course the driver and passenger doors. You'll be able to access your equipment like refrigerators, micro waves which in some cases the units front passenger seat is removed for this equipment as well as adjust temperatures better on your dash board. Many items are available at truck stops and dealers mentioned herein. Just as important, you'll be able to get better rest by adding a cot, hammock or just stow your mattress against the side wall with some bungee cords, above the wheel wells. Cargo vans offer built in D.O.T. approved sleepers as well, behind the 2 front seats.
 
Orientation

A term that means training and / or administrative functions and formalities such as the signing of Lease Agreements and application finalization when first starting out. Every Expedite company has orientations for each new owner operator / driver. The length of time of an orientation varies from company to company. Orientations can last as little as 3 hours to several days. Either way, you'll usually have it with other new drivers and they are usually held at the carriers training  facility. Most Expedite companies include extensive training in a classroom environment and / or OJT (on the job training). Some Expedite companies will require you to attend more than one day of orientation. 

 
What are freight lanes?
Freight lanes generally mean where the most plentiful work is. In Expediting, most of your business is in the Mid West. The East coast and West coast do not have a lot of manufacturing jobs like in the Detroit Michigan area. Detroit is the motor capital of the world and most Expedited freight is dominated by automotive related freight. The heart of the Mid West contains most of your manufacturing jobs and tooling type of industries. The South is famous for oranges, the East is famous for lobster, the West is famous for computer related manufacturing (Silicon Valley) and the Mid West or “corn belt” is recognized for the automotive tooling and automotive manufacturing and the automotive manufacturing “food chain”. The main highway arteries are East to West on I 94, I 80/90 and North to South, I65 and  I75. These arteries run right through the Mid West covering Chicago to Cleveland and Detroit to Atlanta. 
 
Cargo insurance

This covers the freight only, not the vehicle (s) or personal property in any accident or claim.

 
What relevant ?'s should I ask when choosing a carrier?
1. What is the dead head pay / perimeters?
2. Do they have load refusal penalties?
3. Do they pay a percentage of the load or a flat rate?
4. Do they pay fuel surcharges on every load or some of the loads?
5. Can you choose your own layover area?
6. Is there forced dispatch?
7. How often will you get paid?
8. Are there cash advances? or Com Data?
9. Do they have company trucks?
10. What is there home time policy?
11. Do they have 24 hour dispatch?
12. what up front costs will I need to pay?
13. What deductions will I see on my payroll voucher
14. Which insurance's will I have on my unit
     A. Will I get, or have to pay for Primary Liability?
     B. Will I get, or have to pay for Cargo insurance?
     C. Will I get, or have to pay for Bobtail insurance?
     D. Will I get, or have to pay for Workman's Comp or Occupational Accident
         Insurance?
     E. Can I get comprehensive & collision insurance through the company?
15. Do they have direct deposit?
16. Do they have com data?
17. Do they have hiring incentives?
18. Can you choose the area of operation – regional or particular states
19. If I have to have a satellite unit, will they still call my cell phone?
20. Who pays for the satellite system installation / de-installation? How much for one
      or both?
21. Do I have to haul Haz Mat?
22. Do I have to go to Canada?
23. How much is dead head pay? And what are the perimeters of dead head?
24. Will I have to pay for or receive a Occupational Accident or Workman’s comp.
      policy?
25. Is there an age limit on units they accept and what happens when mine reaches
     that age?
26. Is there hold over / detention pay? How much and when does it kick in?
 
Job hopping and carrier switching and it's still not worth it?

Go to our FAQ's for this answer.

See profit Margin or seminars.

 
Can a carrier hold back a final settlement?

The Federal Motor Carrier Association (FMCSA) / Dept. of Tansportation (D.O.T.) states that a carrier may hold back money. This typically occurs in order to assure there are no claims against the last few deliveries performed by the driver.

If you agree to it, and it’s in writing, this makes this more indisputable.

 
Why do carriers hold back final settlements and for how long?

This typically occurs in order to assure there are no claims against the last few deliveries performed by the driver such as shortages and / or damages.

All shippers & consignees have a period specific of time in which to present any claims against a carrier, this is usually 45 days.

A carrier does not have to hold back a final settlement, but most will exercise this for precautionary reasons and to protect against losses by the driver.

 
Sleeper / Sleeper Birth

A place to sleep / rest, usually behind the drivers cab in a large truck.  Sometimes may include sink, cabinets microwave etc..

 
Service failure

A term used when the terms of the shipment are not met. Usually referring to a pick up or drop off dedicated time perimeter.

 
Shipper

A person or company that has contracted a carrier to pick up and deliver goods.

 
Bobtail insurance

This is BUSINESS insurance that is required and is activated when you are under dispatch (deadheading) to go get your load, BUT NOT YET LOADED.

The phrase “Bobtail” was coined after a small animal named Bobcat, which has a short, stubby tail (Bobtail) while other animals typically have long tails.
When a tractor has no trailer (missing the long tail) this was coined “Bobtailing) since the tractor has no load since it has no trailer. Normally Bobtail is associated with tractor trailers but now generally includes any delivery vehicle with NO load.

When a vehicle has no load and is dead heading to pick up it's freight, typically it is not traveling long distances. A carrier generally will not send someone dead heading extremely long distances because there's no full paid money in it. This is when your Bobtail insurance is activated. Bobtail insurance is generally very inexpensive, paid monthly. It's cost is low because your traeling short distances, at lower rates of speed (most likely in urban pick up area's) with a lower speed limit and your not loaded so your units weight is not much, so the risk level of an accident / serious accident is minimal, making the cost realtively low.

When your loaded, Bobtail insurance “turns off” and Primary Liability  insurance “turns on” - the risks are tremendously different and so are the rates.

 
Com Data

A form of obtaining money / cash advances at participating truck stops.

Similar to that of an ATM machine.

 
Qual Comm

A communication device. Usually a white globe mounted on the top of a vehicle that sends and receives information via text messages such as directions and load information.

 
Workman's Compensation insurance (Workman's Comp.)

This is insurance you’d get if you worked for someone else, like Sears or Wal-Mart. They usually pay for it, but your at a much less wage than if you were self employed.

 
Lease Agreement

A contract between two or more parties spelling out the characteristics of the relationship, expectations, wages and perimeters of such an Agreement.

 
Dead Head

This is usually unpaid miles to travel to go get your next load, usually paid in one form or another, but usually very little only to offset the travel. This is only paid if your traveling to get a load.

 
Protect time / door time

The contractually expected arrival time at the shipper or consignee 21. MVR Motor Vehicle Record. Containing the driving history of a licensed motor vehicle operator, Lists moving violations, suspensions etc..

 
Primary Liability insurance

Primary Liability  is BUSINESS insurance to cover your delivery unit. Even if your delivery unit is also used as your personal vehicle when not in use for deliveries /  personal errands etc., (when not working)...

The Primary Liability is only activated when you are “under load“. If your using your delivery unit for personal use and your involved in an accident, then your “Comp & Collision“ insurance will be used in that situation, that insurer would get your claim.

When you have your load in your possession, freight in your unit, your Primary Liability insurance then activates and your Bobtail deactivates. The names change because the circumstances have changed and so have the risks involved. When your under Bobtail, your unit is empty, lighter, traveling slower and shorter distances. When your loaded, your traveling much greater distances at higher rates of speed and much, much heavier, creating a much greater set of circumstances and more than likely more damage to personal property or to other vehicles, should there be an accident while under load. The rates for this insurance will be much higher than Bobtail because the risks and extent of damage and injury is much greater, therefore the cost is going to be higher.

Typically your paycheck will have a deduction for this to pay for YOUR Primary Liability policy, but it is coordinated through the carrier. The carrier will usually get a volume discount due to it's fleet size and typically passes the same rate on to you that the insurance company charges. If you are operating under your own ICC# and authority, you'll have to get your own Primary Liability policy and list the carrier as a “Certificate Holder“ and you will coordinate your own Primary Liability policy and it will most likely be much, much more expensive unless you have your own fleet of trucks with it's own umbrella policy.

 
Occupational Accident Insurance (OCC / ACC)

This is what you SHOULD have when assigned to a carrier as an Independent Contractor performing deliveries for the carrier. This is similar to Workman ’s Comp., but since your not an employee of the company, you’ll probably be forced to have this coverage. This is required by most companies to avoid lawsuits against the carriers or shippers / consignees if your injured while under dispatch or under load. This avoids lawsuits against the companies / shippers if you fell off a dock, had your toe run over by a fork lift or pinched your finger under a pallet while getting loaded. Your medical bills will be covered and no one has to be sued. It’s protection for the carriers as well from your injuries while working.

 
ICC Bumper

This is a horizontal bar on the rear of trailers and dock high straight trucks. It is used mainly as a safety device that a clamp / jaw grabs to prevent the unit from jumping / wheely or moving away from the dock when a fork lift & freight is being loaded onto a truck. It also may activate dock doors to open once engaged by the bumper. This is definitely an important tool in servicing major fright haulers. Some dock's will not load you unless your "locked in" by the jaw.

 
Consignee

A person or company that is to receive the goods coming from a shipper

 
Fuel Surcharge

An additional charge paid to the Operator of a vehicle to offset fuel prices. This can fluctuate daily or weekly.

 
BOL (Bill of Lading)

A form containing the shipper and consignee address, the weight, description, count, and contractual specifics of the components to be shipped.

 
Comprehensive & collision insurance (Comp & Collision)

Comp & Collision; Everybody has this insurance that owns an automobile, but only vehicles that are used for both personal and business (eXpediters) will have more insurance's on the same vehicle.

If your in an accident while your vehicle is in use for “personal” tasks and an accident occurs, the claim goes to your comp and collision insurer.

If the vehicle is used both for personal and business and it's in an accident while under dispatch or under load, then and only then would the claim be presented to either the Bobtail or Primary Liability insurer. The Bobtail and Prim. Liability insurer are usually different.

If your operating without comp. & collision, or Bobtail or Primary Liability, cargo or Occupational Accident insurance, your operating under tremendous risk to yourself and your business.

Beleive it or not, many small fleet owners capturing their own customers may think they have the right insurance coverage but often times they do not. When the inevitable happens from a fender bender to a major accident, this is when you'll find out that the costs associated with the accident out weigh the costs of the insurance premiums.

You may contact Lynda Norton, Founder of eXpediters Network for additional details or reputable insurance companies to speak with to evaluate your insurances.

 

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