Month: March 2020

What Is Legionella and How Do You Treat It?

Legionella Liability

Water treatment companies worry about a variety of bacteria that can infiltrate the clean water. Eliminating hazardous bacteria is not entirely full proof. Businesses can protect themselves with legionella liability insurance while following best practices.

Hazardous Bacteria

Legionella bacteria cause Legionnaires’ Disease. This severe form of pneumonia is often lethal. The bacteria infects as many as 18,000 people annually in the US. Many sufferers spend time in ICU with some facing an altered quality of life. Both nonpotable and potable water systems can carry the Legionella pneumophilia bacteria.

Best Practices

In order to help keep the bacteria out of the water system, there are some best practices that water companies can follow. As seen on, combating the bacteria starts with the cooling tower system. These towers need proper maintenance for effective operation. The towers should be cleaned twice a year. The company should implement mist-elimination technologies, biocide programs and other programs such as antifoulant, dispersant, and biodispersant. The plumbing system should have its own maintenance system to ensure the water is bacteria-free.

Legionella liability is something that faces all water treatment companies. By taking the steps to include the added insurance as part of your business’ risk management plan, the company can better protect its financial assets in the event of a lawsuit.

Is It Time To Add a Motor Truck Cargo Policy To Your Risk Management Plan?

American Team Managers

Independent truckers and trucking companies occupy a position of trust in American business, one that the national economy wouldn’t be able to function without. They carry goods, services, and even supply-line parts and resources from the sites where they’re made to the places they need to be if they’re going to be useful, and that means truck drivers and companies take a big risk. Carrier liability insurance is required to help mitigate that risk, but it’s not typically comprehensive enough to cover all the losses if something happens, and that’s where cargo insurance steps in. While carrying this extra coverage isn’t legally mandated the way carrier insurance is, it provides essential protection that can turn a disaster into a minor setback, mitigating the majority of the economic impact from cargo damage, loss, or even some types of fraud.

What Does Motor Truck Cargo Coverage Entail?

According to the resources provided by American Team Managers, the level of coverage can vary according to the policy cost and other factors, but typical provisions include:

  • Fire
  • Collision
  • Theft
  • Water damage
  • Equipment failure, including refrigeration breakdown

In addition to these basic provisions, some carriers also include pollutant cleanup, debris removal, and even reimbursement for expenses like fire department charges when there are bills related to a municipal fire department putting out a fire involving your cargo. With those kinds of protections, you really can’t afford to go without some form of motor truck cargo insurance.