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You know you need different types of insurance for your truck. However, if you are like many owner-operators, you might not understand non-trucking liability (NTL) insurance. Capstone can help you understand NTL and its importance to your coverage. NTL is insurance designed explicitly for owner-operators who are working as independent contractors. It is not for…

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When you are a business owner, protecting your business is critical. Your business is your business, so you want to ensure you protect it. In order to protect your business, however, you need business insurance due to its importance. Why Do You Need Business Insurance As a business owner, you can experience several types of…

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Insurance claims can be confusing and difficult to navigate. You may often find that you don’t even know what you don’t know when it comes to the insurance claim process. So, let’s demystify as much as we can and make the insurance claim process easy for you and anyone else involved. Insurance Claims are Complicated…

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Owning or managing a fleet is hard work. Keeping the fleet running smoothly is even harder work. But we know you, we know you want to provide the best service to your customers, while also operating an efficient, safe, and profitable fleet. But your insurance premiums are super costly. And they keep rising, according to…

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Insurance is a great way to protect your business. For small businesses, it can also be a great way to protect your personal assets. However, you do not want to have too much insurance, because then you waste money in premiums. So, many small businesses wonder if they should have worker’s compensation insurance. The answer…

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Wondering if you need workers’ compensation insurance? It can be a great benefit for business owners looking to protect their workers and minimize their own liability. It is even required in some states. However, workers’ compensation insurance is not for every employer. Read on to find out what it is and who needs it. What…

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The world is on the cusp of change. There are whispers of another industrial revolution. Whatever it may be, and whenever it may come, industries as we know it will likely change magnificently. You already know some of the things that come to mind, electronics and data processing of all kinds, artificial intelligence, green energy…

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Commercial trucking is the most valuable form of transporting goods in America, by a long shot. The total value of goods shipped by truck in 2017 was 12 trillion dollars, according to the Bureau of Transportation Statistics. That was over 60% of the total value of goods shipped. As you can see, commercial trucking is…

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Workers’ Compensation Insurance Audit Services When you have workers’ compensation coverage, you should know that you can be audited. Insurance companies want to ensure that you are operating your workers’ compensation program fairly. If you are facing an audit, here are some things you can do to make it run more smoothly. Unlike other types…

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Workers’ compensation insurance is insurance that employers get to cover employees in the event of injury or illness on the job. Some states require businesses to carry workers’ compensation benefits for their employees. However, even in states that do not require it, it can be financially beneficial for employers to have the coverage. It protects…

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