Commercial Auto Insurance can provide your firm with security and protection from devastating liability claims arising from an accident involving your vehicle. Commercial Auto Insurance is normally offered on vehicles owned by a commercial business.
Workers are more likely to die from auto accidents than any other job hazard. According to the Federal Government, 45% of work-related fatalities are traffic related. This not only costs lives but also has a negative impact on your company’s operations. A well-designed fleet safety program will have a positive effect on your company and help create a safe environment. A good fleet safety program has some or all of the following elements. These are not listed in order of importance.
What A Fleet Safety Program Might Look Like
- Vehicle purpose statement
- Licensing of driver
- Driver qualifications
- Personal use of vehicles policy
- A cell phone use policy
- Maintenance schedule
- General safety rules
- Accident procedures
- Training on safety program
- Safe driving awards
In addition, the program should have training on road rage, dealing with stress after an accident, and loading and unloading. We recommend that your company consider developing a safe driving rewards program. A well thought out program can help keep insurance costs down. Fleet safety should be part of your regular safety committee meetings.
Imagine a grocery store that offers only one brand of products. The store is conveniently close, but some of their products are too expensive…and they don’t have everything you want. There are no other brands…just theirs. Why would you shop where you have no options? Insurance agencies that represent only one insurance carrier are considered ‘captive’ agencies. They’re limited to providing products offered by that sole carrier. If your rates increase; if you require coverage they don’t offer, your only option is to find another agent. You’re stuck with their brand. No one wants to be held captive. DSM is an Independent Agency. This means that we have developed concrete relationships with multiple regional and national insurance carriers. We offer a variety of options from many different top-rated insurance carriers. Instead of keeping you captive, DSM keeps up-to-date with the best the industry has to offer. No captivity…just options. That’s the power of independence. That’s DSM.