FRIDAY, APRIL 30, 2021
When running a business that uses vehicles to transport goods, equipment and more, you will need commercial auto insurance to protect the vehicles and everyone inside. However, you shouldn’t just let anyone operate your business’ commercial vehicles. The drivers of your business can affect your company’s reputation and commercial auto insurance rates.
Ask About Their Driving Record
Within reason, ask for the driving record of potential employees. Ask if they have ever been in an accident and the circumstances of that accident. Ask if they have ever been convicted of a DUI or DWI. A history of these could show a risk when hiring them to operate your business’ vehicles. A history of accidents or violations can mean a higher likelihood of an accident while they are driving for your business. It can also raise the cost of your commercial auto insurance.
Speak with Previous Employers
Previous employers are likely to be honest about their previous employee’s personality and activity. Speaking to previous employers, managers or coworkers can help you get an idea of what a potential employee is like to work with and any incidents they may leave out during an interview.
Have Them Take a Test
Many jobs require certain tests and driving jobs should be no different. Have potential employees take a written test or a driving course before hiring.
Ask About Credit Scores
Credit scores can also have an affect on how much your company pays for commercial auto insurance—not only the policyholder’s credit, but also the credit of those driving. Ask permission to view their credit before allowing an employee behind the wheel to track related changes in your commercial auto insurance premiums.
Have a Penalty Policy
Say you hire a driver who seems to have a good record and a clean credit score. A month in, they cause an accident which leads to severe damages to your business’ vehicle. Your company should have a low-tolerance policy when it comes to at fault accidents, especially during the probationary period. Repercussions should be strict to encourage drivers to operate carefully and avoid distractions on and off the road.
Choose the Right Insurance
Even with the best drivers, accidents still happen. Before allowing anyone to drive for your business, make sure you have a commercial auto insurance policy that will cover you, your drivers and everyone else on and off the road.
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