News

Semi truck at a weigh station with a driver reviewing paperwork.

Palomar News

Trucking Insurance Made Simple: Coverages, Filings, and Ways to Cut Costs

A plain-language guide to commercial trucking insurance: the three core coverages, the supplemental protections most carriers need, the FMCSA and state filings that keep authority active, and what actually moves your premium. Includes current federal minimum limits, the pending rulemaking that could raise them, and practical steps owner-operators and small fleets can take to improve pricing without cutting protection.

Healthcare is your second largest expense. Who controls it?

Palomar News

Healthcare Is Your Second-Largest Expense. Why Are You Letting Someone Else Control It?

Most business owners scrutinize a $100,000 truck purchase far more closely than a health plan that will cost far more over the same period. The difference is not carelessness — it is that healthcare is one of the few major corporate expenses where the buyer has almost no visibility into pricing or where the money goes. Mike Otis, Vice President of Employee Benefits at Palomar, lays out the four kinds of access an employer needs to manage healthcare the way they manage every other line item.