24
Florida Pool Pro
sm
• April 2015
INSURANCE UPDATE
By David Griffiths, Insurance By Ken Brown /
The importance of having a company
driver policy
Does your company have a specific driver policy that you review with newly
hired employees as well as with all employees annually? If not, you are missing
out on one of best risk management tools available to you.
Having an official, written driver policy shows both your employees and
your insurer that you take the issue very seriously. Rightly so considering the
fact you are entrusting an employee with a multi-ton moving object with your
name on it.
Most importantly, it can help reduce claims and keep safety on the minds
of your drivers. In this day and time any risk management strategies you can
put into place will go a long way in controlling claims, and therefore, premiums.
The daily exposure to catastrophic claim is probably higher in the operations
of your vehicles than in any other scope of your business. This is because it
is constant, because auto accidents are occurring at a much more frequent
rate these days, and because the dollar value of settlements is increasing.
Florida is busy again and growing again. Those two facts combined with the
fact that your drivers are out on the road with many distractions and making
important decisions independently, makes Florida roads more dangerous and
leads to more accidents every day.
Outlined below are criteria of a good driver policy that can be used as the
framework for your company’s driver policy. Please tailor it for your company’s
needs. You should also review it with your attorney for their legal opinion as
well.
