Transcript Employee Transportation - Defining & Reducing The Risks

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) preemployment.
 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.
Safety Rules
Vehicle Maintenance
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.
Prevention –
Driver Evaluation Form
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.