As a business owner, ensuring the safety of your employees is of the utmost importance. One of the key areas where safety should be a top priority is driving. Whether your employees are driving for work purposes or just commuting to and from the office, it’s important to take steps to ensure that they are driving safely and following all traffic laws. One of the most effective ways to do this is to hold regular driver safety meetings and enforce a strict driver safety program that prohibits texting and driving.
it’s important to be aware that insurance companies are increasingly canceling commercial auto policies that have frequency or severity issues.
Frequency issues refer to the number of accidents or claims that a business has filed over a period of time. If a business has a high frequency of accidents or claims, insurance companies may view this as a red flag and cancel their policy. This is because a high frequency of accidents or claims indicates a higher level of risk, which can be costly for insurance companies.
Severity issues refer to the amount of damage or loss resulting from an accident or claim. If a business has a history of severe accidents or claims, insurance companies may view this as a sign that the business is not taking adequate measures to prevent accidents or minimize losses.
To avoid the risk of having their commercial auto insurance policy canceled, business owners should take steps to improve their driving safety program and reduce the frequency and severity of accidents and claims. This can include implementing driver safety training, enforcing strict policies prohibiting distracted driving, and regularly reviewing and updating their insurance coverage.
Texting and driving is a serious problem that poses a significant risk to drivers, passengers, and other road users. According to the National Highway Traffic Safety Administration (NHTSA), sending or receiving a text takes a driver’s eyes off the road for an average of 4.6 seconds, which is equivalent to driving the length of a football field at 55 miles per hour. This level of distraction greatly increases the risk of accidents and can lead to serious injuries or fatalities.
To combat this problem, it’s important for businesses to have a strict driver safety program that prohibits texting and driving. This program should be communicated clearly to all employees and enforced consistently to ensure that everyone understands the importance of safe driving practices.
In addition to a driver safety program, it’s important to hold regular driver safety meetings to reinforce safe driving habits and discuss any concerns or issues that employees may have. These meetings can include discussions about distracted driving, such as texting and driving, and provide tips and strategies for avoiding this dangerous behavior. It’s also important to review any recent accidents or incidents and discuss how they could have been avoided through safer driving practices.
By holding regular driver safety meetings and enforcing a strict driver safety program that prohibits texting and driving, businesses can help protect their employees and others on the road. This can also help reduce the risk of accidents and insurance claims, which can be costly for businesses. We are seeing a major increase in the number of commercial insurance companies cancelling commercial auto insurance policies that have claims issues and the cost to replace coverage is substantially higher.
In conclusion, as a business owner, it’s important to prioritize driver safety and take steps to ensure that your employees are driving safely and following all traffic laws. This includes enforcing a strict driver safety program that prohibits texting and driving, holding regular driver safety meetings to reinforce safe driving habits, and educating employees about the dangers of distracted driving. By doing so, you can help protect your employees, reduce the risk of accidents, and promote a culture of safety in your business. Not to mention keep your overhead costs down.
