On The Home Stretch

The face of logistics has changed rapidly over the last two decades with the meteoric rise of Amazon and other online retailers. Neighborhoods that previously only saw USPS trucks rumbling through their streets are now visited by Amazon vans and even private passenger cars stopping by multiple times a day to deliver one package or another.

This step of the logistical process, where smaller logistical vehicles take packages from a distribution center to your doorstep, is referred to as ‘last-mile delivery’. Despite the relatively short distances involved, the potential for these vehicles to be involved in an accident or experience criminal activity is arguably higher than those of long-haul trucking. You’re more likely to get in an accident within 5 miles of home than over long distances, after all.

With greater risk comes a greater need for insurance, so if you are planning on operating a last mile logistics service, you need to begin researching what types of policies you’ll need as soon as possible. Last mile insurance providers run the gamut of cheap to expensive, but good brokers like SWAN Insurance can assess your business’s needs and get you the right policies without the fuss.

SWAN Insurance has been providing solid, affordable insurance policies for logistics companies and contractors all over San Diego for years, and has a sizeable number of testimonials from their clients that attest to their professionalism and reliability:

I’ve been working with Chris and his team for over one year and two months. My first insurance for my business. He always makes time for my questions or concerns.

No matter how small or tedious and responses are always timely.

Chris and Anna are very professional, polite, hard-working people, and patient. They do their best to provide the information needed. Very well organized. For my business, this is more than fine. I don’t even want to change my insurance because I don’t think I will find someone better than Chris and Anna. Excellent customer service!

I would strongly recommend Swan Insurance because of its quality service, full transparency, ease of doing business, and most importantly reliable. Happy with SWAN INSURANCE!!!

– Matthew Murdock, Google Review

Chris has been absolutely fantastic to deal with at Swan Insurance.  I received notification 2-3 weeks before my Workers Comp was supposed to renew that my carrier no longer accepted my market.  My General Liability rep gave me Chris’s number and within a week he not only had quotes for me but the rate was lower than the previous carrier.  Chris and Swan Insurance was an absolute Godsend to me.  I would highly recommend them.

– Kaylene J., Yelp Review

At first I had some difficulty getting communication from some of the representatives. However, that quickly changed for some unknown reason. In a society where customer service is on the decline, it’s obvious that it is still important to the people of Swan Insurance. They clearly explain the policies but I don’t feel oversold or over insured. They are quick to respond to any inquiries my employees or I have and they patiently follow up on pending policy matters, even if we are slow to decide on which policy to go with. I’ve come to appreciate their service and support

– Kelan W., Yelp Review

Commercial delivery vehicles are far from safe out there on the mean streets, so it’s absolutely imperative that you get your vehicle and your cargo the coverage they need to be fully protected from the dangers drivers will face out on the road. If you’re in San Diego, that means giving SWAN Insurance a call today:

SWAN Insurance

+18583813108

2148 Fourth Ave, San Diego, CA 92101

With 2020 now half over and seemingly every possible disaster deciding to occur in a single year, we shouldn’t need to tell you that insurance is more important than ever. That means insurance for your personal assets and your business, because, well, this year has made it pretty obvious that disaster can strike at any point and from any direction!

Since we focus on small businesses here in southern California, we would be remiss if we didn’t provide recommendations for those insurance providers who give your business the most comprehensive coverage possible. From our experience and research, State Farm provides exactly that and, if you want to work with the best supplier in town, Byron Galindo has gained a reputation for being one of the best insurance agents in the Santa Monica area.

A quick glance through his team’s social media reviews reveals his strength of character and the impression he makes on his clients.

Nice M. gives this testimonial after using Byron’s services for a number of items:

Very great service! I have two loans,a credit card, and insurance with Byron and I always refer people when I can. He very knowledgeable and helps a lot anytime I have a question or need to change my car or need a quote for another car(which is about every two months) he’s on it.  His staff is very well trained and always ready to help if you have a question. The Loan part was great too low rate and it gave me crazy buying power when negotiating price as well.

Alison P. gave this review on Yelp:

Such a personal, helpful person. Beyond insurance Byron helps with any other questions you may have in regards to work benefits and coverage & other spendings. He was very helpful with my husband’s disability and our auto insurance.

He also loves dogs & allowed us to bring our pup during our meeting! 5 stars for that alone 😉

Lucciana K. expands on Byron’s style here:

Byron Galindo and his team are simply amazing!! No matter the question, or issue, Byron will offer his undivided attention and do his best to meet your insurance needs. He has never failed me or my family! Byron has been my agent for over 3 years and has provided invaluable guidance. Seriously, he’s family at this point!! In addition, I, unfortunately have been in multiple minor car accidents and State Farm has always offered EXCELLENT and swift service!!! Thank you, Byron!!

Finally, Ravi Bhatia provides these kind words on Byron’s Google page:

In a boring industry, Byron has facilitated NOT boring, borderline genius solutions to solving my business insurance needs here in Santa Monica. He’s always willing to talk through hypothetical scenarios and run tests on different, creative ways to minimize insurance costs, and educate me on the bureaucratic nuances he has to deal with on the day to day. I’ve dealt with many insurance agents in my line of work, and I have not come across a more visionary person in insurance — a field that tends to attract risk-averse, don’t-ruffle-any-feathers types. Above all, though, he’s been an advocate and a friend. I’m grateful to have him in my corner.

So, if you’re looking to ensure that you’re protected from an increasingly turbulent year with no end in sight, give Byron a call. He’ll get the job done and leave you with a smile on your otherwise tired face.

Byron Galindo Insurance

(310) 823-5073

214 Pier Ave., Santa Monica, CA 90405

The Life of a Business is a Highway

Brianna Heiz is the operator of a fleet at a small Californian trucking company that predominantly serves consumer product brands. In recent years, Brianna’s company has enjoyed steady growth, thanks to the year-over-year increase of new products created by more and more entrepreneurs and independent business owners in the area. “Whenever there are more products or new products in the market, businesses will require more shipments, either to retail locations where the product will be sold, or to the homes of their customers, if they are selling via direct to consumer.”

White Volvo Semi-truck on Side of Road

Truck driving is a demanding line of work, as well as an indispensable sector in our industrial economy. The commercial truck market is on the rise due to the growth of commerce, specifically e-commerce. Technology has greatly changed the nature of truck driving and operating a commercial trucking business. With the rise in demand for drivers, trucking companies have increased pay drastically as of 2019. Thus, the cost of business has increased in terms of worker compensation, making it even more critical for businesses to invest in commercial truck workers insurance.

“We knew that it was critical for use to invest in insurance for our business, because our entire operation needs to run smoothly and safely. If there are any accidents or other types of issues with the drivers who we employ, then we need to be prepared. The rising cost of labour has definitely made us more diligent about this,” says Brianna.

The job naturally involves risk, even though much is mitigated through skill and technology. And yet, accidents can still be common. The Federal Motor Carrier Safety Administration (FMCSA) reports that in “2016, there were 7,242,000 nonfatal traffic accidents, and 7.4 of those involved at least one large truck or bus.”

FMCSA reports that trucking accidents occur due to two categories of reasons: critical events and critical reasons. Critical events are the conditions leading to the potential of an accident: environment (weather, road conditions), vehicle (brakes condition, machine failures), and driver (performance).

Critical reasons the moments that happen immediately before, and as a result, directly cause the accident. These are usually due to human error, such as distraction or fatigue, as well as the nature and action of other drivers on the road at the same time.

According to the FMCSA, the top ten factors in accidents for large trucks and their drivers were:

  • “Brake problems
  • Traffic flow interruption (congestion, previous crash)
  • Prescription drug use
  • Traveling too fast for conditions
  • Unfamiliarity with roadway
  • Roadway problems
  • Required to stop before crash (traffic control device, crosswalk)
  • Over-the-counter drug use
  • Inadequate surveillance
  • Fatigue”

Byron Galindo is a State Farm business insurance agent who specializes in commercial truck workers insurance, landlord insurance, and earthquake insurance in Santa Monica. If you or your employees have been in an accident, seeking the guidance and expertise of a professional may ensure that you receive compensation. Business owners in the trucking industry should choose the right insurance professional with serious consideration, given the increased demand for commercial trucking services and the ever-present reality of life on the road.

Byron Galindo – State Farm Insurance Agent
214 Pier Ave, Santa Monica, CA 90405, United States