Getting behind the wheel is so routine for many of us that we often forget the risks associated with motor vehicles. The same holds true for your policyholders. Whether driving to the grocery store or maneuvering a delivery truck around town, risks are everywhere.
Recent advancements in technology have both helped and hindered safety on the roadways. While telematics, backup cameras and signaling devices have made great strides in increasing driver safety, smart phones with email, video and texting capabilities have created risks of their own, known as distracted driving.
The truth is driving is risky. In fact, motor vehicle accidents are the top cause of work-related deaths, according to the U.S. Bureau of Labor Statistics. The agency reported 13,000 of the 43,000 work-related deaths recorded between 2003 and 2010, were motor vehicle incidents.
So, what can you do to help your policyholders protect their employees, visitors, and vendors?
To help, we’ve put together a brief checklist on our website, which you can find in our Loss Control Guides section. Some of the tips in the loss control resource include encouraging and working with your policyholders to:
- Develop and implement a written fleet safety program to include tips on: screening employees, accident reviews, telematics, distracted driving policies and more.
- Implement a defensive driver training program to ensure drivers know basic safe driving rules including safe following distance.
- Assemble an accident review committee to discuss and weigh the details surrounding an accident.
- Implement a driver observation program that includes ride-alongs, following and dashboard camera.
- Introduce a disciplinary procedure to address driver accidents, moving violations and the like.
- Maintain all driver files in accordance with Department of Transportation standards.
- Consider technology like Drivers Alert, Embark Safety, and Samba Safety to update the company on a change in driver’s record, traffic violations and more.
Commercial auto accidents are a critical concern for us at PLM. Our loss control team would be happy to assist producers to come up with recommendations on assembling the right safety program with their policyholders. It’s critical we protect our policyholders and part of that responsibility is to help them help themselves by developing and implementing business auto standard best practices.