Maybe you own a food delivery business. Or, you have a courier who delivers legal documents between your practice and the courts. In these cases, drivers usually function as your employees. They will often need commercial auto insurance for their vehicles, as a result.
However, they will also need oversight. What are some of the ways you can do so?
Tracking and proper employee management often reduce commercial driving risks. Luckily, quite a few options exist to help you keep tabs on your driver. You might even find that certain practices reduce your commercial auto insurance costs.
Why Driver Oversight Matters
If an employee driver operates on your behalf, they have responsibilities for you. So, if they have accidents or cause other vehicle problems, the business might lose out. It is up to you to put practices in place that keep risks of accidents low.
By managing your drivers, and enforcing safety, you do yourself and others a favor. You’ll help drivers stay safe behind the wheel. You’ll therefore help extend that security to others on the road as well. Accident risks might drop, and the chances of facing costly repair bills might as well.
As a result, the operating risks these drivers pose might also drop. So, your commercial auto insurance premiums might also remain stable, and even decrease. The business thus can better plan for future costs and manage their own risk profile.
Creating a Driver Tracking Process
You cannot get behind the wheel for your employee drivers. However, you can establish a process of management to keep track of them while they operate.
First, make sure that all drivers have the appropriate qualifications to operate. They should have an active license with no suspensions or restrictions. Most often need to maintain a clear driving record for the duration of their employment. As necessary, add these drivers to your company’s commercial auto insurance. You will have to name employee drivers on your coverage.
Also, consider requiring drivers to use various tracking techniques. These methods can help you keep track of where they go, how fast they drive and where they stop. Some devices you might use include GPS trackers, speed controls and on-board cameras. By using these devices, you’ll often enforce safe driving practices. Furthermore, installing them might help you qualify for certain auto insurance discounts.
Don’t hesitate to put in place oversight practices for your employee drivers. The more you do, the better your operating risks might prove. Give one of our agents a call at 708.423.2350 to learn more about your commercial auto insurance options.
Also Read: Yes, Commercial Auto Insurance Will Include Deductibles