By Desiree DeNunzio, Insureon Contributor
Traffic accidents are one of the leading causes of death in the United States, and many crashes are work-related – either occur when employees are on their way to work or driving as a part of their working day.
A bad collision can leave a vehicle total and its passengers seriously injured. If your employees are involved, you can be responsible for their medical costs and for other people injured in the crash, which can seriously affect your company's bottom line. Pointing out the importance of commercial car insurance, collisions at work that lead to injuries cost companies on average $ 74,000 and a crash involving mortality can exceed $ 500,000, according to the Agency.
If you manage a fleet of vehicles as part of your business or ask your employees to sometimes use their personal vehicles for business purposes, driver safety should be a priority. Use the following driving safety tips for employees to increase driver safety and reduce employee risk.
first Write a Business Policy to Set Up Safe Driving Rules
Create a written policy that describes your company's road safety protocol and ensure that you communicate with all employees. Put the policy in your workplace and hold a meeting to discuss safe driving with your employees. Include incentives and disciplinary measures to break the rules. Incentivating good driving behavior can minimize accident rates, reducing the likelihood of having to claim your small business insurance policy.
2nd Checking work run records
If your employees are running for work purposes, check their driving record for not being subject to traffic offenses and other offenses. To review a person's driving record, you can get a motor vehicle report from the Motor Vehicle Department in the state where the employee is licensed. The employee must sign an edition that allows you to get that information from the DMV. Make sure employees understand that it will be required of them before they are hired.
3rd Implement driver safety training
Create a driving safety church within your company by developing and implementing a driver safety program. Keep seminars and workshops on a regular basis to properly train employees and make sure they understand what is expected of them. You can provide updates on what they have learned by offering e-learning courses on driver safety.
4th Avoid texting or calling employees when driving.
Business owners should make it easier for employees to do their job safely. If you know that employees are driving, do not disturb them with phone calls or texts while they are on the road. Texting, talking and other distractions when driving can lead to a serious accident. In addition, you should run a corporate driving policy that discourages the use of mobile devices while driving, especially if such devices are handheld or hands-free.
5th Research crash and security features before you buy a vehicle
When choosing your business vehicle, safety should be a consideration. Consider asking these questions: What is the crash rate? How many airbags does it have? Does it have brake help? When employers know the security details of a vehicle before they lease or buy it, employees show that security is a priority.
6th Have adequate insurance
If an accident occurs, you want the right type of car insurance for small businesses in place. Commercial car insurance will provide coverage for vehicles that your company owns and can pay the costs of damage and property damage. If your company does not own a vehicle, but you use rentals or employee vehicles for business purposes, you may need employee and non-owned car insurance.
Insuron has helped thousands of small business owners protect their business with commercial auto insurance. Start a free online application today to compare quotes from several leading US air carriers.