Florida Pool Pro
sm
• March 2015
19
anything related to the work that sub did for you.
You should also expect good jobsite safety practices of your subcontractors
to maintain a safe, secure and clean jobsite. Requiring the subcontractor to
adhere to the same strict safety standards that you hold your employees to is
a good practice.
Managing your auto exposures is the other way to help reduce costs. Our
roads are becoming more crowded with less experienced drivers and the ease
with which we can all be distracted is increasing every day.
Florida is a growing state once again in both commerce and in people
relocating here to live. Our roads are filled to capacity with the full spectrum
of drivers and differing driving experience.
At the same time just about everyone now uses a smart phone. They are
regularly used to talk, text, read email, browse the internet and play music.
Restricting this usage by your employees is critical! Having them sign a driver
agreement where they promise not to do so in a moving vehicle can be a
valuable tool for you to manage and monitor your drivers as well as to prevent
accidents. Distracted driving is the number one cause of accidents and most
of these are preventable!
In closing, many of the rates and premiums of your insurance policies
have some subjectivity to them. That means the underwriter has the ability
to discount rates and premiums if warranted based on superior risk qualities.
Therefore, there can be rate differences based on the factors outlined above.
There can also be differences in coverage forms from insurance carrier to
carrier.
Control your insurance destiny by doing as much as you can to ensure your
company is the recipient of the broadest coverage and most attractive pricing
the marketplace can offer.
