Key Takeaways Match your policy to how vehicles are used: owned, hired/leased, or employee-owned. Don’t assume personal auto covers delivery – most policies have business-use gaps. Set liability limits that fit pharmacy delivery exposures and local requirements. Add physical damage coverage if your pharmacy owns vehicles (or wants stronger protection). Use endorsements and umbrella coverage […]

Key Takeaways Use risk assessments to spot operational “waste” that creates preventable losses and coverage gaps. Preventive and predictive maintenance can reduce breakdown claims and support better underwriting outcomes. Pair lean safety culture with smart workers’ comp practices to protect people and control costs. Turn claims and loss-run data into continuous improvement inputs—not just paperwork. […]