Work-related accidents involving vehicles are a leading cause of workplace fatalities. These incidents pose many risks for businesses, including legal expenses, lost productivity and increased insurance and workers' compensation rates, as well as the possibility of fatalities. 
Whether you have a single-passenger car or a fleet of commercial vehicles, monitoring and managing auto liabilities is critical to avoid these negative consequences. One effective way to manage risks is by setting driver qualifications, establishing driving rules and implementing driver training. Here are some guidelines to help you reduce auto claims for your business:
- Establish driver qualifications by reviewing the motor vehicle records (MVRs) of all new employees and annually for every driver. Work with risk management professionals to determine appropriate standards for your business, such as having no serious driving violations, fewer than three moving violations, and no more than two at-fault accidents in the past three years.
- Mandate seat belt usage and encourage compliance with company policies through on-the-spot surveys, training sessions and employee pledges.
- Minimize distractions for drivers by banning cellphone use, using voice-controlled devices like GPS and limiting the number of passengers allowed in a vehicle during work hours.
- Utilize technology such as telematics and dashboard cameras to analyze fleet data, make informed decisions and increase productivity while cutting costs.
- Prevent vehicle theft by keeping doors locked and windows shut, hiding valuables, parking in secure areas, using anti-theft devices and painting the vehicle identification number (VIN) in multiple places.
- Train drivers in topics such as defensive driving, avoiding drowsy driving and seasonal hazards.
- Report any accidents that occur and begin the claims process with your insurer.
Having the right auto insurance policy, keeping necessary documents in your vehicle and ensuring that your vehicle is equipped with emergency tools like traffic cones and flares can also be helpful in the event of an accident. For additional guidance on risk management, contact your broker.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.