Business car insurance can be expensive, and that's why we're sharing these 18 tips to lessen your risk and liability as a business owner.
It is important to do everything you reasonably can to hire safe drivers and support driving safety. Are you aware that traffic accidents are the amount one cause of on-the-job fatalities?
How would you feel if your employees died in an on-the-job driving collision. Imagine the way you would feel if your work trucks with your name and phone number struck another car or pedestrian and someone died. Imagine being served with a lawsuit from this accident. What would you need to do?
This is where risk management from InsuranceHub could be helpful.
When you take the time to address potential problems before they happen, you can reduce the number of injuries and deaths and the potential liability lawsuits that may result from accidents in which employees were involved.
Here are 18 Tips to Reduce Commercial Motor Vehicle Risks
- Hire safe drivers. Be sure to check motor vehicle department records in any state in which the person lives or previously lived or worked before allowing anyone to drive company vehicles. Do not make exceptions.
- Institute behavior modification training for employees with aggressive and hostile traits. Did you know that hostility and aggression are personality traits that may lead to accidents and road rage?
- Submit employees to personality profiling before hiring. Be wary of hostile and aggressive potential hires.
- Require employee drivers to report any off-duty accidents to the company. To double check employee-reported incidents, pull the motor vehicle records of your company drivers each year.
- Require all drivers to accomplish a defensive driver-training program.
- Make it a business policy that prohibits driving and drinking or driving and taking advantage of certain prescribed or non-prescribed drugs.
- Institute random drug testing. What's going to you need to do in case your employee tests positive for intoxication or substance abuse? Have a safety-oriented procedure for dealing with it immediately.
- Whether it's required by law or not, enforce a mandatory seatbelt policy for those drivers and passengers.
- Whether it is required by law or otherwise, prohibit employees from talking on mobile phones while driving. Turn it into a policy that employees pull off the road before talking on the cell phone.
- Setup a schedule to execute a safety inspection and maintenance program for all business vehicles.
- Celebrate all accident-free drivers in your workplace.
- Be sure that your work schedule doesn't pressure drivers to speed or complete paperwork while driving. Is the work schedule reasonable?
- Keep vehicle use to 100% work only and limit non-business utilization of vehicles.
- Install a governor on all business vehicles so that your work vehicles don’t review 55 mph.
- Setup a procedure for drivers to follow along with after any accident.
- Use accidents as a learning opportunity. Investigate the causes of all accidents and then use the findings inside a training opportunity for those drivers.
- Install security systems, security gates and exterior lighting to prevent theft and vandalism of the work vehicles.
We hope these tips enable you to limit your motor vehicle risks. If you want a fast & free quote for business car insurance, all you have to do is fill out our easy online form.