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	<title>Limo Insurers</title>
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		<title>WHAT IS DISTRACTED DRIVING?</title>
		<link>https://limoinsurers.com/what-is-distracted-driving/</link>
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		<dc:creator><![CDATA[limoinsurersdemo]]></dc:creator>
		<pubDate>Thu, 14 Jul 2016 08:05:08 +0000</pubDate>
				<category><![CDATA[Limo Insurers Blog]]></category>
		<guid isPermaLink="false">http://limoinsurers.com/demo/?p=296</guid>

					<description><![CDATA[<a href="http://limoinsurers.com/what-is-distracted-driving/"><img src="http://limoinsurers.com/wp-content/uploads/2016/07/DistractedDriver.jpg" /></a><br />
<p>Distracted driving is any activity that could divert a person’s attention away<br /> from the primary task of driving. All distractions endanger driver, passenger, and bystander safety.</p>]]></description>
										<content:encoded><![CDATA[<p><a href="http://limoinsurers.com/what-is-distracted-driving/"><img decoding="async" src="http://limoinsurers.com/wp-content/uploads/2016/07/DistractedDriver.jpg" /></a></p>
<p>Distracted driving is any activity that could divert a person’s attention away from the primary task of driving. All distractions endanger driver, passenger, and bystander safety.</p>
<p>These types of distractions include:</p>
<ul>
<li>Texting</li>
<li>Using a cell phone or smartphone</li>
<li>Eating and drinking</li>
<li>Talking to passengers</li>
<li>Grooming</li>
<li>Reading, including maps</li>
<li>Using a navigation system</li>
<li>Watching a video</li>
<li>Adjusting a radio, CD player, or MP3 player</li>
</ul>
<p></p>
<p>But, because text messaging requires visual, manual, and cognitive attention from the driver, it is by far the most alarming distraction.The best way to end distracted driving is to educate all Americans about the danger it poses. On this page, you’ll find facts and statistics that are powerfully persuasive. If you don’t already think distracted driving is a safety problem, please take a moment to learn more. And, as with everything on Distraction.gov, please share these facts with others. Together, we can help save lives.</p>
<p><strong>Got questions? Look at sample research reports.</strong></p>
<p><strong>Key Facts and Statistics</strong></p>
<p>In 2011, 3,331 people were killed in crashes involving a distracted driver, compared to 3,267 in 2010. An additional, 387,000 people were injured in motor vehicle crashes involving a distracted driver, compared to 416,000 injured in 2010.</p>
<p>18% of injury crashes in 2010 were reported as distraction-affected crashes.<br />
In the month of June 2011, more than 196 billion text messages were sent or received in the US, up nearly 50% from June 2009. (CTIA)</p>
<p>11% of all drivers under the age of 20 involved in fatal crashes were reported as distracted at the time of the crash. This age group has the largest proportion of drivers who were distracted.</p>
<p>40% of all American teens say they have been in a car when the driver used a cell phone in a way that put people in danger. (Pew)</p>
<p>Drivers who use hand-held devices are 4 times more likely to get into crashes serious enough to injure themselves. ( HYPERLINK “http://www.distraction.gov/research/PDF-Files/Effects-of-Text-Messaging.pdf”Monash HYPERLINK “http://www.distraction.gov/research/PDF-Files/Effects-of-Text-Messaging.pdf” University)</p>
<p>Text messaging creates a crash risk 23 times worse than driving while not distracted. (VTTI)<br />
Sending or receiving a text takes a driver’s eyes from the road for an average of 4.6 seconds, the equivalent-at 55 mph-of driving the length of an entire football field, blind. (VTTI)</p>
<p>Headset cell phone use is not substantially safer than hand-held use. (VTTI)</p>
<p>Driving while using a cell phone reduces the amount of brain activity associated with driving by 37%. (Carnegie Mellon) NHTSA</p>
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		<title>Limousine Insurance Tips</title>
		<link>https://limoinsurers.com/limousine-insurance-tips/</link>
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		<dc:creator><![CDATA[limoinsurersdemo]]></dc:creator>
		<pubDate>Thu, 14 Jul 2016 07:56:34 +0000</pubDate>
				<category><![CDATA[Limo Insurers Blog]]></category>
		<guid isPermaLink="false">http://limoinsurers.com/demo/?p=290</guid>

					<description><![CDATA[<a href="http://limoinsurers.com/limousine-insurance-tips/"><img src="http://limoinsurers.com/wp-content/uploads/2016/07/insurance2.jpg" /></a><br />
<h4>Driver Selection: A good loss control tool for your review<br /> Remember, most fleets hire their problems!</h4><br />
 
<p>Whether your company is relatively new to the industry, or you have decades of limo experience, the following may be a good review.]]></description>
										<content:encoded><![CDATA[<p><a href="http://limoinsurers.com/limousine-insurance-tips/"><img decoding="async" src="http://limoinsurers.com/wp-content/uploads/2016/07/insurance2.jpg" /></a></p>
<h4>Driver Selection: A good loss control tool for your review Remember, most fleets hire their problems!</h4>
<p></p>
<p>Whether your company is relatively new to the industry, or you have decades of limo experience, the following may be a good review. The loss to a fleet that can result from hiring just one unsatisfactory individual makes the investment for selecting the best-qualified driver critical. Here is a sobering statistic: motor vehicle collisions are the leading cause of workplace fatalities according the Bureau of Labor Statistics (www.bls.gov). In addition, a significant percentage of commercial vehicle crashes as well as on the job injuries are caused by drivers with less than one year’s tenure with their current employer.</p>
<p>Employee selection is a one-time process. Qualification standards should be set that establishes minimum applicant qualifications for both the driving and non-driving duties of the position. When you set qualification standards, consider the following:</p>
<ul><strong></p>
<li>Applicable statutory regulations</li>
<li>Physical requirements</li>
<li>Transferable work experience</li>
<li>Required job knowledge</li>
<li>Vehicle operating skills</li>
<li>Acceptable/clean driving record</li>
<li>History of stable employment</li>
<li>Good attitude</li>
<p></strong>
 </ul>
<p></p>
<p>To find qualified drivers, you need to announce through various sources the job opening, its advantages, minimum qualifications, and a brief description of the work. When seeking desirable candidates, priority should be given to your own existing employees who can be upgraded into a driving position (Recruit from within). Important sources are leads from your best drivers and employees. You may want to consider offering an incentive bonus to employees for referring qualified new job applicants who are hired as company drivers.</p>
<p><strong>Effective hiring tools include:</strong></p>
<p>Driver Employment Application Form: information that should be evaluated includes:</p>
<ul><strong></p>
<li>the applicant’s driver’s license number and type of license</li>
<li>driving experience including types of equipment operated and miles driven</li>
<li>Collision record for the past 3 years</li>
<li>moving traffic convictions for the last 3 years</li>
<p></strong>
 </ul>
<p></p>
<p>Preliminary Interview: An interview by management helps to answer questions from the review of the completed driver application form. It also provides an opportunity to evaluate the applicant, as well as outlining the job responsibilities.</p>
<p>Written Test: Written tests are required in some instances to meet government regulations. Some employers have written aptitude tests based on the job requirements. Written tests may also be considered to identify the applicant’s knowledge regarding traffic regulations and general driving knowledge.</p>
<p>Road Test: A road test provides the prospective employee the opportunity to demonstrate driving skills while the employer has a chance to evaluate the driver’s defensive driving techniques. Even though the applicant may have a CDL, it doesn’t mean they have operated your particular vehicle(s). Issues include operating controls in the vehicle, different type and location of mirrors, vehicle length, limo vs. buses, differences in manufacturer, etc. Additional factors to consider include the type of driving conditions you normally operate in including intercity, rush hour, rural, mountainous, and winter driving. Think about whether or not the warm weather applicant will be able to drive in winter conditions in a mountainous area or in the North East.</p>
<p>Pre-Placement Medical Examination: If a CDL license is required it means the applicant must have a DOT medical examination. Acceptance of only a DOT medical certificate/card even which is acceptable by DOT, is not a good management practice. Require the applicant to provide their current long form physical if available. If the long form cannot be obtained have a new physical completed by your company appointed physician.<br />
For non-CDL drivers a physical examination should be considered for applicants that will be transporting people in such positions as vanpools, limo services, or bus services.</p>
<p>Past Employment Investigation: Check and verify the applicant’s work history for the last three years. Confirm and discuss any gaps in the employment history. A simple phone call or written request to a former employer may yield additional information about past work experience that will help you evaluate the prospect’s potential.</p>
<p>Motor Vehicle Record Check: While there is a question as to whether or not a person’s past record is an indicator of future performance, the past record does reflect the applicant’s attitude toward motor vehicle rules and regulations as well as their effectiveness as a driver. A transcript should be requested as soon as possible from each state in which a driver’s license has been held during at least the past three years. The record should be evaluated against pre-established guidelines reflecting suitability for the job position. At the Capacity Group, we can provide you with the MVR and a Driver Evaluation Form that may be used as evaluation criteria for new hires.</p>
<p>Initial Performance Evaluation: A promising applicant may be further screened when hired on a part-time basis or over a trial period. During this period, a supervisor should review the new driver’s work in detail and report on suitability for the job. Such an evaluation will allow management to decide whether to keep the driver on as a regular employee.</p>
<p>Determine if a your new driver is “coach-able” and willing to adhere to your company’s policies and procedures. Driver selection is a one-time process. Placing the correct emphasis on the selecting the best driver/employee will avoid future problems, especially vehicle collisions. Remember, most fleets hire their problems!</p>
<p>I just saved an NLA Member more than 20% on their insurance!</p>
<p><strong>For the most competitive limo insurance programs, combined with an exceptional service team and expert insurance advice, call the limousine specialist:</strong></p>
<p><strong>Michael W. Marroccoli, 1-800-222-2425 x458 or email me at  HYPERLINK “mailto:mmarroccoli@capcoverage.com” mmarroccoli@capcoverage.com</strong></p>
<p><strong>Call me, I can help you save money on your insurance.</strong></p>
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		<title>PROTECT YOUR BUSINESS!</title>
		<link>https://limoinsurers.com/protect-your-business/</link>
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		<dc:creator><![CDATA[limoinsurersdemo]]></dc:creator>
		<pubDate>Thu, 14 Jul 2016 07:41:58 +0000</pubDate>
				<category><![CDATA[Limo Insurers Blog]]></category>
		<guid isPermaLink="false">http://limoinsurers.com/demo/?p=283</guid>

					<description><![CDATA[<a href="http://limoinsurers.com/protect-your-business/"><img src="http://limoinsurers.com/wp-content/uploads/2016/07/protect1.jpg" /></a><br />
<p>IT WILL NEVER HAPPEN TO ME!</p>
 
<p>A worker with a substance abuse problem.</p>
 
<p>A customer is offended by a suggestive comment made by your chauffeur</p>]]></description>
										<content:encoded><![CDATA[<p><a href="http://limoinsurers.com/protect-your-business/"><img decoding="async" src="http://limoinsurers.com/wp-content/uploads/2016/07/protect1.jpg" /></a></p>
<p>IT WILL NEVER HAPPEN TO ME!</p>
<p>A worker with a substance abuse problem.</p>
<p>A customer is offended by a suggestive comment made by your chauffeur</p>
<p>A driver is terminated for poor performance.</p>
<p>A dispatcher is passed over for a promotion to operations manager.</p>
<p>What do each of these situations have in common?</p>
<p><strong>THEY ALL SUED THE OWNER OF THE LIMOUSINE COMPANY, AND WON!</strong></p>
<p>Many small and mid-sized business owners think “it will never happen to me.” Employee lawsuits are not just a Fortune 100 problem. The truth is that the majority of employment lawsuits are waged against small and mid-sized businesses.</p>
<p>Most employers understand the need for property or general liability insurance, but often underestimate the need for employment liability coverage. Or, they think they have coverage through property and general liability policies when they don’t.</p>
<p><strong>What is Employment Practices Liability Insurance (EPLI)?</strong></p>
<p>Employment Practices Liability Insurance (EPLI) provides protection for employers against claims arising from:</p>
<ul>
<li>Discrimination (age, race, sexual orientation, disability etc.)</li>
<li>Wrongful Termination and Demotion</li>
<li>Defamation, Humiliation, Personal or Emotional Injury</li>
<li>Other Employment Related Allegations</li>
</ul>
<p></p>
<p>We have developed an EPLI Program specifically for the passenger transportation industry. It includes a special Third Party protection for your company, protecting you from lawsuits by employees &#038; customers.</p>
<p><strong>FOR A NO OBLIGATION QUOTE ON THIS VALUABLE COVERAGE CALL MIKE:</strong></p>
<p>1-201-988-2003 OR EMAIL: mike@limoinsurers.com</p>
<p><strong>USA Today says there are about 550 employment lawsuits are filed every day. According to national research firm Jury Verdict Research, jury awards for Employment Practices Liability lawsuits are rising almost 5% per year.</strong></p>
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		<title>5 WAYS TO THINK LIKE A CHAMPION</title>
		<link>https://limoinsurers.com/5-ways-to-think-like-a-champion/</link>
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		<dc:creator><![CDATA[limoinsurersdemo]]></dc:creator>
		<pubDate>Mon, 11 Jul 2016 04:00:18 +0000</pubDate>
				<category><![CDATA[Limo Insurers Blog]]></category>
		<guid isPermaLink="false">http://limoinsurers.com/demo/?p=273</guid>

					<description><![CDATA[<a href="http://limoinsurers.com/5-ways-to-think-like-a-champion/"><img src="http://limoinsurers.com/wp-content/uploads/2016/07/champion.jpg" /></a><br />
<p>I meet and learn from Champions every day. Not just in locker rooms but in<br /> classrooms, hospitals, homeless shelters, homes and office buildings. I’ve learned that to be a champion<br /> you must Think Like a Champion.]]></description>
										<content:encoded><![CDATA[<p><a href="http://limoinsurers.com/5-ways-to-think-like-a-champion/"><img decoding="async" src="http://limoinsurers.com/wp-content/uploads/2016/07/champion.jpg" /></a></p>
<p>I meet and learn from Champions every day. Not just in locker rooms but in classrooms, hospitals, homeless shelters, homes and office buildings. I’ve learned that to be a champion you must Think Like a Champion. Champions think differently than everyone else. They approach their life and work with a different mindset and belief system that separates them from the pack.</p>
<ol>
<li><strong>Champions Expect to Win</strong> – When they walk on the court, on the field, into a meeting or in a classroom they expect to win. In fact they are surprised when they don’t win. They expect success and their positive beliefs often lead to positive actions and outcomes. They win in their mind first and then they win in the hearts and minds of their customers, students or fans.</li>
<li><strong>Champions Celebrate the Small Wins</strong> – By celebrating the small wins champions gain the confidence to go after the big wins. Big wins and big success happen through the accumulation of many small victories. This doesn’t mean champions become complacent. Rather, with the right kind of celebration and reinforcement, champions work harder, practice more and believe they can do greater things.</li>
<li><strong>Champions Don’t Make Excuses When They Don’t Win</strong> – They don’t focus on the faults of others. They focus on what they can do better. They see their mistakes and defeats as opportunities for growth. As a result they become stronger, wiser and better.</li>
<li><strong>Champions Focus on What They Get To Do, Not What They Have To Do</strong> – They see their life and work as a gift not an obligation. They know that if they want to achieve a certain outcome they must commit to and appreciate the process. They may not love every minute of their journey but their attitude and will helps them develop their skill.</li>
<li><strong>Champions Believe They Will Experience More Wins in the Future</strong> – Their faith is greater than their fear. Their positive energy is greater than the chorus of negativity. Their certainty is greater than all the doubt. Their passion and purpose are greater than their challenges. In spite of their situation champions believe their best days are ahead of them, not behind them.</li>
</ol>
<p></p>
<p>If you don’t think you have what it takes to be a champion, think again. Champions aren’t born. They are shaped and molded. And as iron sharpens iron you can develop your mindset and the mindset of your team with the right thinking, beliefs and expectations that lead to powerful actions.</p>
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		<title>Chauffeur Driven Show</title>
		<link>https://limoinsurers.com/chauffeur-driven-show/</link>
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		<dc:creator><![CDATA[limoinsurersdemo]]></dc:creator>
		<pubDate>Mon, 04 Jul 2016 10:02:40 +0000</pubDate>
				<category><![CDATA[Limo Insurers]]></category>
		<guid isPermaLink="false">http://limoinsurers.com/demo/?p=218</guid>

					<description><![CDATA[Chauffeur Driven Show Chauffeur Driven Show- Atlantic City ; Nov. 3- 6th, at the Taj Mahal]]></description>
										<content:encoded><![CDATA[<h3>Chauffeur Driven Show</h3>
<p><img fetchpriority="high" decoding="async" class="alignnone size-full wp-image-193" src="http://limoinsurers.com/wp-content/uploads/2016/07/chauffeur-big.jpg" alt="chauffeur-big" width="425" height="283" srcset="https://limoinsurers.com/wp-content/uploads/2016/07/chauffeur-big.jpg 425w, https://limoinsurers.com/wp-content/uploads/2016/07/chauffeur-big-300x200.jpg 300w" sizes="(max-width: 425px) 100vw, 425px" /></p>
<p><a href="http://www.chauffeurdrivenshow.com/">Chauffeur Driven Show- Atlantic City ; Nov. 3- 6th, at the Taj Mahal</a></p>
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		<title>Limo Digest Show</title>
		<link>https://limoinsurers.com/limo-digest-show/</link>
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		<dc:creator><![CDATA[limoinsurersdemo]]></dc:creator>
		<pubDate>Mon, 04 Jul 2016 10:00:41 +0000</pubDate>
				<category><![CDATA[Limo Insurers]]></category>
		<guid isPermaLink="false">http://limoinsurers.com/demo/?p=216</guid>

					<description><![CDATA[Details to follow- VISIT MIKE AT THE CAPACITY BOOTH AT THE SHOW! October 6-9, 2013 &#124; Philadelphia, PA The Pennsylvania Convention Center]]></description>
										<content:encoded><![CDATA[<h3>Details to follow- VISIT MIKE AT THE CAPACITY BOOTH AT THE SHOW!</h3>
<p><a attid="196"  href="http://www.limoshow.com/"><img decoding="async" src="http://limoinsurers.com/wp-content/uploads/2016/07/large-show-floor3.jpg" alt="large-show-floor3" width="445" height="300" class="alignnone size-full wp-image-196" srcset="https://limoinsurers.com/wp-content/uploads/2016/07/large-show-floor3.jpg 445w, https://limoinsurers.com/wp-content/uploads/2016/07/large-show-floor3-300x202.jpg 300w" sizes="(max-width: 445px) 100vw, 445px" /></a></p>
<p><a href="http://www.limoshow.com/" target="_blank">October 6-9, 2013 | Philadelphia, PA The Pennsylvania Convention Center</a></p>
<p></p>
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		<title>2014 International LCT Show</title>
		<link>https://limoinsurers.com/2014-international-lct-show/</link>
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		<dc:creator><![CDATA[limoinsurersdemo]]></dc:creator>
		<pubDate>Mon, 04 Jul 2016 09:55:34 +0000</pubDate>
				<category><![CDATA[Limo Insurers]]></category>
		<guid isPermaLink="false">http://limoinsurers.com/demo/?p=211</guid>

					<description><![CDATA[2014 International LCT Show Details to follow- VISIT MIKE AT THE CAPACITY BOOTH AT THE SHOW! Las Vegas LCT Limo Show MGM Grand Hotel and Casino February 16-18, 2014 National Limousine Association- www.limo.org]]></description>
										<content:encoded><![CDATA[<h3><strong>2014 International LCT Show</strong></h3>
<p><img decoding="async" src="http://limoinsurers.com/wp-content/uploads/2016/07/tiffiany1.jpg" alt="tiffiany1" width="600" height="376" class="alignnone size-full wp-image-200" srcset="https://limoinsurers.com/wp-content/uploads/2016/07/tiffiany1.jpg 600w, https://limoinsurers.com/wp-content/uploads/2016/07/tiffiany1-300x188.jpg 300w" sizes="(max-width: 600px) 100vw, 600px" /></p>
<h3><strong>Details to follow- VISIT MIKE AT THE CAPACITY BOOTH AT THE SHOW!</strong></h3>
<p><a href="http://www.lctshow.com/">Las Vegas LCT Limo Show MGM Grand Hotel and Casino February 16-18, 2014</a></p>
<p>National Limousine Association- <a href="http://www.limo.org/">www.limo.org</a></p>
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		<title>2014 NLA Annual Meeting</title>
		<link>https://limoinsurers.com/2014-nla-annual-meeting/</link>
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		<dc:creator><![CDATA[limoinsurersdemo]]></dc:creator>
		<pubDate>Mon, 04 Jul 2016 09:52:27 +0000</pubDate>
				<category><![CDATA[Limo Insurers]]></category>
		<guid isPermaLink="false">http://limoinsurers.com/demo/?p=209</guid>

					<description><![CDATA[Visit www.lctshow.com for details!]]></description>
										<content:encoded><![CDATA[<p><img loading="lazy" decoding="async" src="http://limoinsurers.com/wp-content/uploads/2016/07/meeting.jpg" alt="meeting" width="375" height="500" class="alignnone size-full wp-image-207" srcset="https://limoinsurers.com/wp-content/uploads/2016/07/meeting.jpg 375w, https://limoinsurers.com/wp-content/uploads/2016/07/meeting-225x300.jpg 225w" sizes="auto, (max-width: 375px) 100vw, 375px" /></p>
<p>Visit <a href="http://www.lctshow.com/">www.lctshow.com</a> for details!</p>
<p></p>
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