Here’s what you can do:
- Implement a Comprehensive Fleet Safety Program Include written policies on driver selection, vehicle maintenance, safe driving expectations, and accident response procedures.
- Offer Annual Defensive Driving Training Reinforce good habits and reduce preventable accidents by training drivers at least once per year.
- Use Telematics and GPS Monitoring Monitor speeding, hard braking, idling, and other risky behavior. Some insurers offer discounts for implementing telematics.
- Screen and Monitor Drivers Regularly Check motor vehicle records (MVRs) annually or more often. Consider policies for managing violations and driver performance and signing drivers up for notifications of changes to their MVR.
- Conduct Pre-Hire Driving Evaluations Evaluate candidates’ driving skills before hiring to ensure safe practices from the start.
- Maintain a Strict Vehicle Maintenance Schedule Keep detailed service records and fix issues promptly. Reliable vehicles reduce accident risk and demonstrate proactive safety management.
- Report Claims Promptly and Accurately Quick and detailed reporting can help reduce claim costs and support a positive relationship with your insurer.
- Manage DOT and FMCSA Compliance Proactively Poor compliance scores and violations under the Federal Motor Carrier Safety Administration (FMCSA) or Department of Transportation (DOT) can hurt your insurance prospects.
- Conduct regular audits of driver logs, vehicle inspections, and hours of service records.
- Address violations promptly and retrain drivers when needed.
- Stay current with regulatory changes and ensure required documentation (e.g., drug testing, driver qualification files) is always up to date.
- Use your CSA score (Compliance, Safety, Accountability) as a performance indicator and aim to keep it low.
Final Thoughts
The commercial auto insurance landscape is challenging, but businesses that prioritize safety and risk management are better positioned to navigate rate increases. By demonstrating a strong safety culture, you improve your insurability—and reduce the likelihood and severity of costly claims. Leavitt United Insurance Services offers a comprehensive risk management approach that goes beyond quoting your insurance by helping prevent and mitigate claims and providing guidance on implementing safety and risk controls.
The Leavitt United Risk Management Center has resources available to help manage your fleet, including:
- Driver Safety Program Template
- Personal Vehicle Usage Policy
- Driver Evaluation Forms
- Vehicle Emergency Supply Checklist
- Trainings on topics such as:
- Defensive Driving
- Distracted Driving
- Driver Preparedness
Contact Danielle Chupka for more information on driver safety and to get set up with a Leavitt RMC account.
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