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Drive SMART with RiskSOURCE

By November 18, 2019November 19th, 2019News

Just about every business, regardless of size, needs commercial auto insurance and a fleet safety program.  Because just about every company has a vehicle used for business.  You don’t have to be Amazon or delivery service to qualify as “fleet.” According to, a fleet vehicle means simply a vehicle that is owned by a company and used for business. 

[Are you a sole proprietor driving your personal car to meetings?  Check with RiskSOURCE to see if your auto policy covers business driving.]

Accidents involving a fleet vehicle are among the most costly injury claim for a business.  The average cost of a loss related to vehicle accidents is approximately $70,000. This is almost twice the cost of the average workplace injury ($36,592).¹

A fleet safety program can help reduce accidents, keeping your employees safe and decreasing risk to the business.  It establishes the policies and procedures that are needed to help ensure a safe work environment and protect against liability from vehicle accidents.

Here are some tips from Traveler’s Insurance for a comprehensive and effective fleet safety program:

  1. Identify your drivers.  Businesses may not be aware of the full extent of their non-owned vehicle exposure. You should identify everyone who drives on behalf of the business, even those employees that use personal and/or rented vehicles.
  2. Screening and selecting drivers carefully.  This can help create a reliable, safe team. Without safe drivers, no organization is likely to have a good long-term safety record. Establish clear hiring standards and a thorough screening process for anyone who drives on company business.
  3. Training drivers.  This can help to ensure that all drivers understand vehicle safety policies and procedures. All drivers should have access to information on safe driving strategies and techniques, including instruction in defensive driving.
  4. Managing drivers on an ongoing basis.  This is essential in helping to ensure that drivers are following fleet safety rules and driving safely.
  5. Managing accidents, when they occur.  This can help mitigate accident costs. It also helps you to understand your exposures and can reduce the potential for future losses.
  6. Establishing written policies and procedures.  This sets clear consistent expectations.
  7. Formalizing a plan for vehicle inspection, repair and maintenance.  This can help reduce costly, unexpected breakdowns, and can assist in avoiding accidents due to faulty equipment.

[Download our Handheld Mobile Device Policy to add to your program.]

At RiskSOURCE, we mean business when it comes to driving safely and minimizing risk.  Check out our latest newsletter for downloadable resources and learn about our teen safety driving program.  #drivesmart

[November Newsletter @RiskSOURCE.]


Seth Phillips

Commercial Risk Consultant

1 National Highway Traffic Safety Administration, 
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