The process of risk management includes the practice of identifying and analyzing your exposure to loss, and taking steps to minimize these exposures to levels acceptable to your company. Many times this involves methods or procedures not necessarily related to direct insurance coverages. Basic risk management procedures can involve techniques used to control losses (i.e. loss reduction, loss prevention or exposure avoidance), and risk financing techniques involving transfer of risk or retention of risk by your organization.

Auto Accident Review Procedures
Auto Safety Program
Driver Selection - Physical Health
Driver Selection Procedures
Drivers Training Program
Furnished Autos
Vehicle Maintenance Program

Auto Accident Review Procedures
A formalized accident review procedure should be established to review all incidents. Reviews should include driver performance evaluations and corrective actions taken. Back to top

Auto Safety Program
It is recommended that a driver safety award program be implemented to motivate all individuals involved in trucking operations. Back to top

Driver Selection - Physical Health
Physical examinations should be required, prior to employment, for all key drivers involved in delivery or hauling operations. Back to top

Driver Selection Procedures
To reduce exposure to automobile claims and losses, all drivers should have good driving records with routine Motor Vehicle Reports being ordered. Records showing no more than one moving violation and one accident in the past three years should be your criteria in the selection and continuing requirements for all drivers. Back to top

Drivers Training Program
Driver qualifications should be established and documented, and procedures implemented to require all drivers be certified prior to using any company vehicles. Back to top

Furnished Autos
One of the largest areas of liability loss involves the furnishing of autos to employees and non-employees. It is important that all sales persons, managers or other potential company drivers be subject to periodic MVR checks that will be used for verifying acceptable driving records. Additionally, non-employee family members should normally never be allowed to drive company cars. If for some reason this is allowed, they too should be required to adhere to the same MVR standards as any employed driver. Back to top

Vehicle Maintenance Program
All vehicles should be regularly maintained with written maintenance schedules outlining all work done to each vehicle. Back to top