Many businesses today require employees to use vehicles to complete their assigned duties. However, far too many of those organizations have failed to implement policies designed to protect both the employer and employee during any type of work-related driving. Any time employees are on the road for work-related duties, the company is exposed to liabilities.
Insurance Coverage is Always Required
Every vehicle on the road must be properly insured. That means if a company owns and operates any type of vehicle, that vehicle must carry sufficient insurance to protect everyone involved. It’s always important to discuss insurance issues with a qualified business insurance agent to verify adequate coverage obtained. However, since the losses from a single vehicle accident can be catastrophic, it’s also a good idea to have the company attorney review the coverage to make sure all risks are adequately addressed. When company driving policy manuals are designed, employees should be aware of their responsibilities and how insurance coverage is put at risk when rules are ignored.
Every Driver’s Record Must Be Evaluated
Before allowing any employee to drive a company vehicle, it’s vitally important the driver’s record is carefully evaluated. Company driving policies need to address how an employee’s driving record will impact their ability to drive company vehicles. That means employees must be aware their past and future driving events can, and will, directly impact their ability to operate company vehicles. Drivers must be made aware any violations or accidents can quickly result in the company no longer allowing them to operate company-owned equipment.
In addition, employees driving their own vehicles for company-related duties may also put the company at risk. If employees will be driving their own vehicles for any types of job-related duties, get advice from a legal expert to determine what insurance coverages must be in place to protect the company and the employee.
Don’t Delay Implementing a Driving at Work Policy
Drive Time: Why Your Business Needs a Driving at Work Policy should be discussed with the company attorney. The attorneys will provide advice and suggest clauses that always need to be included. If a business has unique needs, the legal expert and insurance agent can also suggest ways to better protect the business and all employees.