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Texting while driving. For fleet owners, a zero-tolerance policy is the best way to educate company drivers on the dangers of this activity.

How dangerous is texting while driving?

An article out of Salt Lake’s Deseret News last Friday follows a test conducted by Allstate last Thursday at the company’s sponsored Family Driving Challenge. An instructor from Allstate would ask questions to drivers over a cell phone. Simple math questions, for example. Within three seconds the drivers were hitting cones on an obstacle course.

Orkin, the leading pest controller in the U.S., has issued a warning that bed bugs are jumping to commercial properties. Excuse the pun.

Recent articles this year in the New York Times and New Yorker Magazine discussed the bed bug infestation in relation to homes and homeowners. The New York Times article discussed the fact that homeowners insurance under a standard policy does not cover the removal of a bed bug infestation.

What about commercial insurance?

The Oklahoma Department of Insurance is warning against a new health insurance scam. Again, it is fake health insurance. Companies claiming to be health insurers take premiums and never pay claims.

Oklahoma Commissioner Kim Holland offers the same advice that we have discussed before: always check to make sure the insurance company is authorized to do business in your state. Always.

Here is our link to our list of contact information for every state regulatory body in the U.S.

School is starting across the country as summer comes to a close.

The start of the school year signals critical changes to traffic patterns. Education, training, and reminders to your fleet and business drivers goes a long way to preventing accidents and claims.

So, how does traffic change? What should we be reminding our drivers?

• Traffic Law Changes – Some states have different traffic laws for “school” days and “non-school” days. School zones are now active and the speed limit changed accordingly. Right turn laws may be changed to restrict such turns on red lights. Make sure your drivers are aware of changes and how they affect routes.

Computer networks are subject to changing risks over time. A good business insurance plan is going to take into account the possibility of a network disruption and resulting business interruption. It is always important to keep in mind how much money your business would lose if it was out of business for…one day?…two?…one month?

The evolution of cloud computing, social media, streaming content, and, interestingly, security measures, has changed the nature of potential network attacks. Experts warn of some of the most dangerous threats evolving for 2010-2011: