If you are a company that keeps company cars, driven by your employees, then you should have a commercial auto insurance policy. A commercial auto insurance policy protects your business in the case of an accident, damage or theft of your company cars.
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However, you will still want to make sure you are training your employees on how they can prevent accidents and minimize the risk for your business and keep your commercial auto insurance premiums as low as possible.
Provide a driver’s course to all new drivers, as well as periodically for existing drivers. Make sure the course covers key elements of safety, like backing up properly, following distances and parking. A local company that will set this up for you is Thompson Driving. There may well be others, check around. One other thing, make sure to check around periodically for commercial auto insurance companies because rates change and sometimes you may be getting overcharged. Especially, if your situation has changed but the insurance company has not.
Create a program that rewards safe drivers. Provide regular rewards to employees who keep a clean record of driving safe. You can also reward entire groups of drivers should they all go certain periods of time (say a quarter) with no accidents.
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Teach employees proper protocols for worst case scenarios: how to handle an accident, what information to collect and what numbers they need to call in case of an accident, damage or theft. Preparedness is key with this as with everything else in your business and life in general. Remember the saying, "if you fail to plan, the you plan to fail."
About the Author:
DJ Noland is a licensed insurance professional in the state of Arkansas and managing Principal of McGhee Insurance Agency. Our offices pecialize in placing insurance protection for individuals and families & businesses in Arkansas and would love to visit with you on your auto insurance, home insurance, personal umbrella insurance, business insurance, boat insurance, RV insurance, life insurance or health insurance protection to help structure a plan to protect what you've worked so hard for and will work hard for in the future.
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