The vehicles used for business purposes including cars, trucks, and vans should be properly covered by a commercial auto insurance policy.

And, just as car insurance protects a driver from expenses such as medical bills, repairs, legal defense, and more, commercial auto insurance also provides that level of protection for the company as well as:

Bodily injury liability coverage - This type of coverage is usually required by most states and helps the person who’s at fault for an accident pay for the medical expenses and lost wages of the person who was injured in the accident.

Combined single limit (CSL) - A single dollar amount is applied to any combination of bodily injury and property damage liability claims to one person or several.

Though these are just a few examples of the extra protection commercial auto insurance provides a company, making sure your business has the right coverage can be tricky. It’s for this reason, among many, we recommend working with an insurance expert to make sure your company is protected.

In addition to working with an experienced insurance agent, business owners can take proactive steps to make sure their team is equipped and ready to safely take the road in a company vehicle.

Here are three tips to make the most of your commercial auto insurance.

 

Just as professional athletes and coaches spend time watching film, so too should you and your drivers. 

Make it a point, with the help of a GPS fleet tracking software, to sit down and review footage and data with your drivers to give them safety tips and advice to prevent future accidents and eliminate risky behavior.

An important lesson to impress upon your employees is the need to abide by the rules of the road. This can be as simple as following the posted road signs, understanding where your blind spots are, avoiding hard braking and accelerating, and abiding by the Hours of Service rules to reduce drive fatigue. 

All of these aspects and more should be emphasized to ensure your employees are safe and your company reduces the odds of an accident.

The culture of your company plays a major role in how your employees approach their work. Bad behavior and poor attitudes are often a direct result of subpar leadership and communication. 

That’s why clear and consistent communication between leadership and employees is essential in making sure everyone is on the same page and working toward the same goals.

Through proper education and training, companies can clearly articulate their expectations and employees can also voice their concerns and questions. 

An open and honest dialogue can alleviate problems, address pain points, and encourage all parties involved to give their best day in and day out. 

If you’re interested in learning more about how auto insurance coverage can protect your business, contact us today.