Small businesses face many different types of risks depending upon the size, scope, and industry the business operates in. Some businesses face risk because they have an elevated number of clients coming and going from their location. Other businesses have employees who do physically demanding work. Still other businesses face risk related to the data they store about their clients. One common type of risk many small businesses face is employees who operate motor vehicles. When employees operate motor vehicles on the job, the amount of insurance claims for that business tends to increase in frequency and severity. Here are four tips to keep in mind to help your business manage a fleet of vehicles.
Make sure your safety program is well-documented.
The safety program should start the day someone is hired and continue throughout their employment. The programs do not have to be exhaustive or time consuming. They can be a short 15-minute huddle twice a week about a potentially hazardous area of your business. Keep them documented and on file. This way if you have several incidents or a severe injury, you can use the documentation to show your business was taking the proper steps to prevent the injury from taking place.
Have strict Safe-Driving Policies
If you have to have employees driving as a part of your daily operations, you need to have strict policies and procedures in place that they must follow when they are behind the wheel. You should periodically pull their driving records, even on your most trusted employees. Never expect an employee to tell you they got a speeding ticket or something more severe. Pulling motor vehicle records on all employees periodically can help the next time you are liability insurance quotes.
Don’t underreport incidents
If you have an incident, report it If you do not report it and the injury comes back to be more serious than originally thought, it can cause the claim to not be covered. It can also cause your insurance carrier to raise your rate on premium or drop you from coverage altogether.
Talk about safety
Company culture starts at the top and moves down through a business. Any business owner should repeatedly talk about safety throughout the work day. If your employees know that you are concerned about their safety and well-being, they will make it a priority to go the extra mile to keep them and their coworkers safe.