Presentation on theme: "Employee Transportation Defining and reducing the risks."— Presentation transcript:
Employee Transportation Defining and reducing the risks
Topics What are the risks? What if there is an accident? What is a Fleet Safety Program? Vehicle Safety
Accident – Not at Fault If the accident is another driver’s fault: –Workers compensation insurance would likely pay the initial cost. –Workers compensation insurance would then subrogate against the liability portion of the driver’s automobile policy. Until these funds are recovered, the losses will remain on your history affecting loss picks, experience modifiers, etc. –If the liability portion of the automobile policy does not cover all of the costs, then the carrier will go to the next level (company umbrella policy, company itself, individual, etc.). –Any costs beyond that would likely be covered by your workers compensation policy.
Accident – At Fault If the accident is your employee’s fault: –The workers compensation policy would cover all of your injured employees. The losses will not be recovered and will remain on your loss history. –Injured people that are not your employees would be covered by your automobile liability policy. –If the injuries to the other people exceed the automobile’s liability policy, then the costs would move to the next level.
Fleet Safety Program A fleet safety program is designed to prevent and reduce the impact of vehicle accident losses such as: –Injury to employees and the public –Loss of productivity –Loss of equipment –Negative image
Fleet Safety Programs Key Elements –Management Responsibilities –Vehicle Operator/Driver Responsibilities –New Driver Selection Process –Motor Vehicle Records (MVR) Evaluations –Requirements for Commercial Drivers License (CDL) –Accident Reporting Procedures
Management Responsibilities Check MVRs (Motor Vehicle Record) pre- employment. Check and maintain employee MVRs at least annually. Establish and maintain company procedures and safety rules. Ensure employees adhere to company procedures and safety rules. Maintain a vehicle inspection and maintenance program. Support driver training programs.
Vehicle Operator/Driver Responsibilities Possess a valid operator’s license. Follow ALL motor vehicle laws. Follow ALL company procedures and safety rules. Follow ALL accident procedures. Conduct pre-trip inspection of vehicles. Notify management of vehicle problems.
New Driver Selection Process Have applicants complete the regular hiring process. Verify current drivers license. Obtain MVR from states of residence for at least the prior three years. Drug test all employees driving company vehicles. For drivers of non-company owned vehicles, verify insurance and minimum levels of coverage.
Motor Vehicle Record (MVR) Evaluations Obtain MVR from states of residence for at least the prior three years. Evaluate the MVR according to established, minimum company standards. MVR checks should be conducted on all drivers at least annually. Employees with “borderline” MVRs should be issued a written warning. Employees with unacceptable MVRs should have their driving privileges revoked. Checking MVRs is important due to “negligent entrustment” liability concerns.
Requirements for Commercial Drivers License (CDL) Any combination of vehicles with a gross weight rating of 26,001 or more pounds, providing the gross vehicle weight rating of the vehicle being towed is in excess of 10,000 pounds. Any single vehicle with a gross vehicle weight rating of 26,001 or more pounds, or any such vehicle towing another not in excess of 10,000 pounds. Any vehicle, regardless of size, designed to transport 16 or more persons, including the driver. Any vehicle required by federal regulations to be placarded while transporting hazardous materials.
Accident Procedures The operator should remain at the accident scene for a police investigation and report. The operator should immediately notify the manager. The manager should immediately notify the insurance carrier. Sources of information –Drivers Report of Accident –Police Investigation Reports –Insurance Investigation Reports –Witness Statements –Diagrams and Photographs
Vehicle Safety – General Don’t tailgate Obey the three second rule Use turn signals Maintain appropriate speed Use your mirrors Adjust your speed to the conditions ALWAYS WEAR SAFETY BELTS
Vehicle Safety – Vans The National Highway Traffic Safety Administration (NHTSA) cautions not to overload the vehicle. More passengers onboard means a greater chance for rollover. Rotate drivers to reduce fatigue. Cargo on top of the van changes the center of gravity. Most accidents are caused by quick and sudden maneuvering. ALWAYS WEAR SAFETY BELTS.