The Solution for Distracted Driving: An Effective Fleet Safety Program

Author, Sam Clayton, Vice President, Construction Group, Rancho Mesa Insurance Services, Inc.

Contractors have seen significant increases in commercial auto rates over the last few years. Because of this, it is imperative for companies to implement a written fleet safety program.

The fleet safety program must detail leadership’s expectation of what is required to be a driver for the company and the consequences if the policies are not followed.   

For both the fleet safety program and driver training to be effective and successful, companies should be constantly discussing the policies with all of their employees, not just the employees assigned to a company vehicle.

One topic that should be at the forefront of your driving training program is distracted driving. 

Distracted driving is the leading cause of most vehicle collisions and near collisions. According to the National Traffic Safety Administration (NHTSA), nearly 80% of collision and 65% of near collisions involve some form of distracted driving. 

There are 3 types of distracted driving:

1. Visual – An example would be taking your eyes off the road.

2. Manual – An example would be taking your hands off the wheel.

3. Cognitive – An example would be taking your mind off driving.

Many of these crashes occur in company vehicles during the working hours and can cause serious problems for both the driver and the company. If the employee is injured, he/she will likely be eligible for workers’ compensation. The company’s auto insurance would pay for damage to the vehicle and potential lawsuits brought on by the bodily suffered by a third party. The quick glance at a cell phone while driving could cost a company hundreds of thousands of dollars.

In order to protect your company from these types of losses, the company’s leadership must make a fleet safety program a priority. Have a written cell phone policy. Require employees to put their phone on do not disturb while they are driving, which blocks calls and text messages while their car is in motion. And, train drivers using the SafetyOne™ Distracted Driving online course. Not only can an effective fleet safety program minimize further insurance increases, but most importantly you could save a life.

To learn the essential points of a fleet safety program and defensive driving skills, register for our Fleet Safety Webinar.

For questions about how your fleet safety program affects your commercial auto premiums, contact me at sclayton@ranchomesa.com or (619) 937-0167.

Signs of a Continued Hard Property Market in 2023

Author, Jeremy Hoolihan, Account Executive, Rancho Mesa Insurance Services, Inc.

The property insurance marketplace continues to be a challenging segment in 2023. With catastrophic events that have occurred over the last several years such as hurricanes, floods, wild fires, and major storms, the property marketplace has taken a huge hit that will take many years to recover. As a result, we expect property pricing to continue increasing for the foreseeable future. There are several real-world examples of the property market hardening.

Insurance carriers are paying much more attention to the geographic diversity in their portfolios. In many cases, insurance companies are pulling out of areas of concern, such as wild fire or flood prone areas. More and more policyholders are receiving non-renewal notices as insurance carriers expand their hazard zones. This also has an adverse effect on those seeking property coverage because it limits the number of insurance carrier options.

Underwriters are also beginning to pay closer attention to the condition of the properties they currently insure or plan to insure. In the commercial property segment, loss control visits are becoming more frequent for buildings of all sizes. Loss control specialists will focus their attention on the state of the buildings, and the status of building updates such as electrical, plumbing, roofing, etc. More specifically, loss control specialists are even analyzing the age and brand of electrical panels. There is one brand of electrical panels called Zinsco that experts recommend replacing immediately due to fire hazard. Therefore, if a building is still equipped with a Zinsco panel, it is likely that these panels will need to be replaced before an insurance company will be comfortable providing terms and pricing.

Another sign of the deteriorating property market includes the recent announcement that California Insurance Commissioner Lara will increase the FAIR Plan coverage limit for commercial buildings from $8.4 million to $20 million. This is a direct result of insurance companies pulling out of areas that are deemed high hazard. This limits the number of insurance companies available to write property policies in these areas and in some cases there are no options at all. Therefore, in the case of a commercial building owner who has exhausted all options, they could fall back on the FAIR plan to secure coverage.

To combat these rapid changes within the property market, it is critical to meet with your broker and review each policy in detail. Discuss those areas that could be impacted, look at increasing values, additional safety measures and controls, make sure your coinsurance percentage is still in line with rising costs. Being proactive and looking closely at how you can perhaps upgrade your building with cost effective loss control measures could be the difference in securing a competitive quote.

To discuss your property coverage, contact me at (619) 937-0174 or via email jhoolihan@ranchomesa.com.

The Importance of a Job Hazard Analysis in the Janitorial Industry

Author, Jeremy Hoolihan, Account Executive, Rancho Mesa Insurance Services, Inc.

The janitorial industry faces job hazards on a daily basis. The key to running a successful and safe business is identifying hazards within the workplace well before injuries or liabilities can occur. One way to keep track and address hazards in the workplace is by creating a Job Hazard Analysis (JHA). A JHA can be used to identify individual exposures to each specific jobsite and create a plan or solution to minimize these risks.

For the janitorial industry, there are several common exposures and solutions JHAs should be used to address.

Bloodborne Pathogens

While this exposure is more prevalent in a medical or healthcare setting, it is important to train employees on OSHA’s bloodborne pathogen standards.  Whether an employee works within a healthcare setting or not, there is always the possibility that they will have to face a situation where blood is present.  Proper education on how to address this exposure can help minimize and prevent the transmission of any infectious disease.

Chemical Hazards

Examples of chemical hazards janitors could face in the workplace include carbon monoxide poisoning, lead poisoning, asbestos, and mold to name a few.  Identifying these hazards in advance and putting a plan in place to avoid these exposures will lead to fewer injuries.

Cleaning Chemicals

Within the JHA, identifying which chemicals are going to be used is critical to job safety. Training employees on the proper use of these chemicals can avoid mistakes made such as improper dilution, improper mixing of products causing a chemical reaction, and improper ventilation.

Slip & Falls

Slip and fall injuries are very common in the janitorial industry for both employees and the general public. A properly used JHA can help identify high hazard areas within the jobsite and put together a plan to help minimize and avoid future injuries. Examples of areas of concern include high traffic areas, areas with slippery surfaces, areas where water tends to settle (i.e., bathroom floors, kitchens, etc.), and entrances to buildings. Once these areas are identified, it’s critical to address the issue by using caution cones, cleaning during off hours when possible, using floor mats whenever possible, and regularly monitoring these areas if a clean-up is necessary.

Personal Protective Equipment

While surveying a jobsite to determine which cleaning products and equipment will be used, it’s also important to identify what type of personal protective equipment (PPE) will be needed. Examples include proper eye, face, and hand protection while using certain chemicals and equipment. A well-executed JHA can identify which PPE is appropriate for the jobsite. However, the key is making sure that the employees are all properly trained in the use of the PPE and that implementation is mandatory.

Equipment

A JHA can assist with identifying equipment appropriate for a jobsite. Once the equipment has been chosen, proper training is vital to ensure proper use and maintenance.

Janitor’s face a number of jobsite hazards throughout their work day which is cause for concern. By developing a job hazard analysis, employers can develop techniques and procedures for avoiding hazards and injuries. 

If you would like to discuss the resources Rancho Mesa Insurance has in assisting with developing a JHA, please reach out to me at (619) 937-0174 or jhoolhan@ranchomesa.com. 

Auto Insurance Carriers Struggle With Effects of Inflation

Author, Jeremy Hoolihan, Account Executive, Rancho Mesa Insurance Services, Inc.

Inflation continues to plague our nation with no end in sight. With a consumer price index (CPI) reaching as high as 9.1% in July of 2022, the trickledown effect is far reaching. In the second quarter of 2022, the auto insurance marketplace saw a loss ratio of 78.4%. This is quite a spike compared to the average loss ratio of 65% between the years of 2016-2020. Inflation is not the only contributing factor to the challenges within the auto insurance marketplace; we’ll discuss medical inflation, supply chain shortages, and labor shortages.

A continual rise in medical inflation has resulted in the increased cost of treating injured drivers and passengers. Since 2020, healthcare spending has increased by 9.7%. In the first quarter of 2022, the average bodily injury claim was up 24.2% with medical inflation being a significant factor. Because insurance companies are having to pay more due to medical inflation, consumers are seeing increased premiums.    

Also, in the first quarter of 2022, the average collision claim cost reached a record of $5,743. This is a 36.5% increase since the first quarter of 2020. Much of this increase can be attributed to supply chain shortages and disruptions.

COVID-19 shutdowns caused decreasing demand for good and products. There was also an ice storm in February of 2021 that knocked out factories across the South. The Suez Canal was blocked for six days, and there was a semiconductor shortage due to the United States’ reliance on companies overseas.

Now that things have opened up post-pandemic, there are still shortages of available parts and supplies which continues to affect our economy. These supply chain factors have contributed to the average cost of a new car increasing 11.4% and the average used car jumping 7.1%. With the costs of cars increasing and the shortage of available parts, the result is a huge uptick in the cost of repairs and/or replacement of damaged vehicles, as well as the insurance costs.

Labor shortages are another important factor impacting the auto insurance marketplace. Simply put, the shortage has made it difficult to find skilled workers to make vehicle repairs. While the unemployment rate is back to pre-pandemic rates, many people are still testing the waters as they return to their jobs and, in some cases, taking completely different career paths. With the increased demand for workers, employers are offering and paying higher wages, which also leads to higher costs for goods and services, which further increases overall insurance costs.

As auto insurance premiums continue skyrocketing as a result of these inflationary factors, now is the time to focus on improving your business’ auto program. 

For help in developing a Fleet Safety Program that will improve your company’s risk profile and policies and procedures, please feel free to reach out to me at (619) 937-0174 or jhoolihan@ranchomesa.com.

Managing the Inherent Risks of Personal Vehicle Use Within Your Company

Author, Daniel Frazee, Executive Vice President, Rancho Mesa Insurance Services, Inc.

While costs associated with auto liability continue rising across the country, there are risks within existing fleet safety programs that often get overlooked. If your business allows employees to use personal vehicles to conduct business, even just occasionally, you could be exposing your firm to considerably more risk. You can ignore this potential gap in coverage or closely examine the exposure while simultaneously developing a risk mitigation plan.

Review and Examine Liability Coverage

Before developing any guidelines, we encourage clients to identify those drivers that are using personal vehicles. Again, the pool here should include regular and non-regular drivers who are using personal vehicles. Once that list is finalized, request current declaration pages and/or certificates of insurance showing coverage periods and limits. As you examine this information, ensure that coverage is in force and pay close attention to the limits as many state minimum coverage requirements will be much lower than typical commercial auto policy limits (Example: $10,000 to $15,000 for bodily injury). Working to develop company standard minimum limits for personal use of vehicles is something you can establish with and through recommendations from your broker partner and carrier.

Hiring with Auto Exposure in Mind

Just as many managers do when hiring employees who will drive company vehicles, consider requiring the same guidelines for potential new hires who may use their own vehicles. These guidelines may include a current Motor Vehicle Report (MVR) which allows you to review accidents and track behavior. You may also enroll drivers in the Employer Pull Notice (EPN) Program which notifies businesses when employees have any type of driving activity in or out of the workplace. Lastly, be prepared with documented steps to take when your drivers exhibit unsafe driving behavior. This can include additional training, a suspension, or even termination depending on the frequency.

Written Expectations and Usage Guidelines for Drivers

Vehicle use agreements have become commonly used documents for employers. Depending on the layout, usage guidelines can help establish clear expectations and encourage real buy-in from the employee. As a reference point, Rancho Mesa offers an example of a usage guideline form available within the Risk Management Center.

Creating and Maintaining a Culture of Safety

Evaluating your respective safety programs is a process that takes time. Many employers are unfamiliar where to even start and perhaps which areas of their operation pose the greatest risk to their business’ financial health. With auto liability, in general, the potential for direct loss can impact balance sheets of all sizes. Part of our role as commercial insurance brokers is tying in years of experience seeing these gaps within programs, like personal vehicle use. We recommend first how to mitigate them and then tailor an insurance program that further reduces or eliminates the exposure. The points listed above represent only the start to your process in revamping your Fleet Safety Program. Call or email Rancho Mesa Insurance for a complete “all lines” safety review and coverage audit. Your company’s financial future could depend on it.

Ensure You’re Not Under Covered and Overpaying for Auto Insurance

Author, Casey Craig, Account Executive, Rancho Mesa Insurance Services, Inc.

Auto insurance prices are continuously rising. What is the reason for this and what can be done to cut back on the cost? There are many factors that lead to the carriers needing to increase their rates. We are going to discuss exactly what some of the reasons for the increases are; and more importantly, what business owners can do to offset price increase as much as possible while receiving adequate coverage.

Distracted drivers are causing more claims every year. Repairing a vehicle has become more costly as newer models have technology features such as sensors and back-up cameras. People using their cell phones while driving can cause them to have a diminished reaction time, which is leading to more severe high impact accidents. This is pushing medical costs up at a rapid rate, leading to an increase of claims dollars. Implementing a “No Phones While in a Vehicle” policy could reduce claims drastically and keep your employees safe.

There are many ways that carriers can get out of covering a loss, and employees driving their vehicles to and from job sites can really come back to haunt you if they do not have adequate coverage limits. Make sure that you have Hired and Non-Owned Coverage! Hired and Non-Owned is the coverage needed for the carrier to cover losses on vehicles that are not on the company’s policy, such as rented or employee owned vehicles. Employers need to make sure that employees have adequate personal auto insurance limits. The California minimum coverage limits of $15,000/$30,000/$5,000 can get exhausted very quickly in a serious accident, and lawyers are getting very good at finding grey areas to drag the employer in. You should consider reimbursing your employees to offset the increase in premium for them. Some carriers will apply subjective credits to your company auto premium if they know your employees need to have higher limits to drive for you.

One of the biggest gaps that brokers see when they audit policies for prospects is they are using the wrong symbols, thinking they are covered for a claim, and end up not having correct coverage. Most reputable carriers will offer Symbol 1 for your liability insurance and it is imperative that you use Symbol 1 vs. Symbol 7. Symbol 7 only covers vehicles described in the declaration and leaves limited coverage for vehicles acquired after your policy begins.

Rancho Mesa Insurance Services is a National Best Practices Agency 13 years in a row. We strive to make sure that our clients are without gaps in their coverage. Call (619) 934-0164 to ask about Rancho Mesa’s proprietary programs that help maintain clients’ safety and get them the lowest premiums possible. Register here for the free Fleet Safety webinar to learn how to increase vehicle safety, control vehicle accidents, safeguard long-term profitability, and ensure that your fleet safety & accident prevention programs are up-to-date.

Fleet Management: Driver Behavior Counts

Author, Sam Clayton, Vice President, Construction Group, Rancho Mesa Insurance Services, Inc.

When you give the car keys to your teenager for the first time, you wish you were sitting in the back seat controlling how they drive. Unfortunately, you have very limited control and the consequences of poor driving can be disastrous. It’s time to think of your employee drivers in a similar manner; these principles apply to your company’s fleet management program.

To gain some sense of control, you regularly perform fleet inspections and driver trainings. You also hire and manage according to driving records, which provides a picture of the employee’s past driving history. Though, if you are honest with yourself, you too have driven over the speed limit many, many times before you received your speeding ticket. So, a driving record is not the only way to gauge a driver’s behavior.

If you had an effective and efficient way to impact your driver’s behavior before a ticket or accident occurs, you would feel more confident about managing your fleet.

There are Global Positioning Systems (GPS) that can monitor some of the problem behaviors like speeding; however, the onus is on you (the employer) to analyze the information then act on it. Another problem with this type of system is willful negligence. What happens if you have the data, know of a problem, but don’t act? This could cause a major problem when an accident occurs because you knew of a driver’s poor behavior but did nothing specifically to correct it.

The insurance industry is in a commercial auto claims crisis. The cost of vehicle repairs have increased and whether you employ safe drivers or not the price to insure a vehicle is skyrocketing. Simply, the claims have exceeded the premiums collected and the carriers are trying to recover the loss. So, steering driver behavior is more important than ever for your bottom line.

To the degree you can control auto claims created by your employee drivers, the better your premiums will be. Fewer claims equal lower premiums — simple as that. Claims are caused from poor driving behavior. Improve drivers’ behavior on any given day, and you’ll reduce the number of accidents.

But, how do you do that?  Logistically, you can’t physically ride along with every employee to ensure they are driving safely, and offer real-time corrective guidance when they make mistakes.

As mentioned, there are GPS devises that measure driver behavior and performance. The devices will consolidate the information; but, it is up to the employer to analyze and act on the information.

Ask yourself, do I have enough time to consistently review this information and implement the correct plan of action? Do I have the resources available to manage this process?

If you are unsure and would like to learn about automated ways to track, manage and correct behaviors likes seatbelt usage, speeding, harsh braking, acceleration and corning, join us at our upcoming Fall workshop, “Driver Behavior is What Counts” and learn how to effectively and efficiently improve your fleet management practices and reduce premiums using smart technology.

In the meantime, if you have any questions, please contact Sam Clayton at (619)937-0167.

Fleet Safety: Four Steps to Effective-Driver Selection

Author, Sam Clayton, Vice President Construction Group, Rancho Mesa Insurance Services, Inc.

Driver selection guidelines are one of the most important things a company can implement to prevent vehicle accidents. A company should manage a written Motor Vehicle Records (MVR’s) program to assure that they are selecting the right employees to drive for the company and annually qualify each driver for desirable driving records. The following are some “best practices” guidelines that will help businesses implement and improve the driver selection process.

Step 1: Determine who drives for the company.

The first thing a business must do to control driver selections is knowing who is driving on behalf of the company. Most companies have drivers that fall into several categories:

1. Non-employees operating company vehicles

2. Drivers of vehicles owned or leased by the company

3. Drivers with a Commercial Drivers License (CDL)

4. Employees driving their own vehicle for company business

Step 2: Establish specific requirements depending on whose is driving.

For all employees, regardless if they are operating a company owned or leased vehicle, the company must:

1. Verify the person has a valid Driver License.

2. Determine that the license is appropriate for the type of vehicle they will be operating.

3. Request a copy of their Motor Vehicle Record (MVR) and compare it to the acceptable criteria before they drive for the company, and again on an annual basis.

For drivers of vehicles owned or leased by the company, it is wise to ask for a:

1. Completed written application that includes a section that lists all driving violations and/or accidents within the last 3 years.

2. Substance abuse test (optional).

For drivers with a Commercial Driver License:

1. Conduct a Department of Transportation (DOT) physical examination.

2. Create a driver qualification file for each driver that complies with DOT.

3. Conduct a drug test for each driver, following DOT regulations (pre-hire, random, post-accident and suspension).

For employees using their own vehicles for company business:

1. Require proof of insurance.

2. Establish minimum personal limits of insurance. Rancho Mesa recommends a minimum of $100,000/$300,000/$100,000.

Step 3: Establish MVR Qualification Process

Managing the driver selection and ongoing qualification process is the employer’s responsibility. There is a broad range of driving violations that can be classified into two major categories “A” and “B.”

Category “A” would include driving under the influence of drugs, refusing to take a substance test, reckless/careless driving, speeding in excess of 14mph over the posted speed limit, texting, hit and run, speeding in a school zone, racing, driving with a suspended or revoked license, vehicular assault etc.

Category “B” would include, speeding 1-14 mph over posted speed limit, improper lane change, failure to yield, failure to obey traffic signal or sign, accidents, having a license suspended in the past for moving violations, etc.

Best practices for MVR qualifications include:

• Anyone with a type “A” driving violation in the last five years is undesirable for a driving position.

• Anyone with three or more type “B” violations, or two or more at fault accidents in a three-year period, is undesirable for a driving position.

• Anyone with two type “B” moving violations, or one driving accident in the last three-year period, should be put on warning and MVR’s reviewed semi-annually.

In addition to the initial MVR check upon hire, all employees who routinely drive their personal vehicle on company business should have their MVR screened at least once every 12 months to ensure their driving record remains acceptable.

Step 4. Enroll all employees in the DMV Pull Notice Program.

For a nominal annual fee, employers can enroll in the Department of Motor Vehicles' Pull Notice Program. This service provides employers with a notice of any moving violations within 24 hours. So, an employer will know right away if one of their drivers' records has changed. Not participating in the program makes the company vulnerable to going months with an unqualified driver before an annual MVR review is completed.

Following these best practices for effective driver selection takes the guest-work out of determining who should drive for a company. Following these four steps can help ensure the company has qualified drivers at all times.

For questions about driver selection, contact Rancho Mesa Insurance Services, Inc. at (619) 937-0164.

5 Tips to Improve Your Fleet and Driver Safety Program

Author, Drew Garcia, NALP Program Director, Rancho Mesa Insurance Services, Inc.

In order to create a best practices fleet safety program that will help you reduce claims and control premiums, we recommend you consider adding the following controls to your written fleet safety program.

1. DRIVER SELECTION

• Check MVR’s prior to allowing anyone the opportunity to drive for your company. Enroll drivers into the DMV Pull Program to monitor their driving experience throughout the year.
  DMV Pull
• Create a short written driver safety quiz that all drivers must pass with a certain percentage of correct answers. Be sure to go over the incorrect answers to help them grow as a safe driver. Consider re-testing on a regular basis.
  Quick Safe Driving Quiz, Decision Driving Quiz
• Perform a drive test with the employee to make sure they are capable of operating the vehicle safely. Be sure to have employee’s attach trailers, park vehicles with trailers and cone off vehicles if it will be required during the scope of their employment.
  Road Test Evaluation Form, Road Test with Trailer Evaluation Form
• Create custom policies that outline driving requirements employees must reach to be able to drive for the company and sustain their eligibility to drive.
  Sample Driving Requirements

2. FLEET MONITORING SYSTEM

• Consider using fleet management systems to help monitor route efficiency, speed, GPS, and fuel intake while automatically tracking when maintenance is required per vehicle based on individual use. It is highly suggested you disclose that your company uses fleet monitoring systems to all your employees and include this in your employee handbook.
  Fleet Monitoring Information

3. DISTRACTED DRIVING POLICY

• Implement and remind employees that distracted driving is the leading cause for motor vehicle accidents. Create a policy that employees are aware of and regularly remind them of your stance on distracted driving. 
  Sample Distracted Driving Policy, Distracted Driving Quiz, Distracted Driving Article

4. QUICK TRAINING CHECKS AND BALANCES

• Consider creating a proprietary “Company Name Quick 365” safety training techniques to reiterate the importance of safe driving.
  • Quick vehicle and rig checks prior to starting the vehicle to ensure everything is secured and ready to be mobile.
  • Reward employees for safe driving techniques or suggesting safe company procedures.
  • Use actual accidents and incidents to create training topics with possible solutions.

5. DETAILED ACCIDENT INVESTIGATION

• When an accident occurs, be sure your employee is properly trained to document the incident with an in depth accident investigation report.
  Accident Investigation Report

For questions about your fleet and driver safety program, contact Rancho Mesa Insurance Services, Inc. at (619) 937-0164

Commercial Auto Premiums Are Rising - What’s Driving the Increases?

Author David J. Garcia, C.R.I.S., A.A.I., President Rancho Mesa Insurance Services, Inc.

The insurance industry is experiencing record losses on their commercial auto books of business, which is dramatically driving up insurance premiums for business owners. There are many factors that are contributing to this increase in losses; let’s take a look at six of the most prevalent.

1.    Distracted Drivers.  This one factor is now contributing over 30% of all accidents reported. This is the single most significant issue facing not only the commercial insurance marketplace, but personal auto usage as well.  Whether it’s talking on the phone, viewing and answering emails, or texting, these trends are escalating at alarming rates.
2.    Higher Auto Repair Costs.  This is one of the hidden “new” claim costs that insurance companies are facing.  Record auto sales of newer vehicles that include sensors, cameras and other new electronics are bringing the cost of repairs to higher levels than ever before.  As an example, minor fender repairs might have been a few hundred dollars in the past, but now with sensors and cameras built into most new vehicle bumpers, this cost has risen into the thousands of dollars.
3.    Increase in Miles Driven.  Since recovering from the recession, a healthier economy has lead businesses to expand and hire more employees.  Now, with an increased need for more company-owned vehicles, more miles are driven which leads directly to an increase in accidents.
4.    Rising Medical Costs.  The medical costs associated with treating auto accident victims is rising 1.5 times faster than any other cost associated with auto incidents.  While this probably comes as no surprise given the state of our health care costs, in general, it plays a major role in driving up commercial auto losses, and thus, premiums.
5.    Fatalities and Severe Accidents Increasing.  With an increase in miles being driven and the distracted driving epidemic, the severity of accidents has grown proportionately.  
6.    Less “Skilled Driver” Availability.  The growth in business and the need for more drivers has resulted in a shortage of skilled commercial drivers. The lack of availability has also increased the likelihood for more auto accidents to occur.

As a business owner, what can you do to minimize this exposure and help control your present and future auto premiums?  The process starts with having a formal written “Vehicle Safety Program” in place that is specific to your company’s needs and exposures.  The following will outline major areas that the Vehicle Safety Program should address.

1. Management Commitment – strong management involvement and concern must be evident
2. Vehicle Operator Responsibilities – distracted driving guidelines and consequences, a description on how the vehicle may and may not be used, etc.  
3. Driver Selection - established criteria in order to be eligible to drive, should include age, MVR history, etc.
4. Accident Investigation – formal written process for documenting, reporting and the resulting training to prevent similar accidents
5. Vehicle Maintenance – establish a process for regular and consistent care of the vehicles tires, brakes, oil, etc.

In addition to the above, there are other areas that need to be addressed in more detail in order for you to build your own comprehensive Fleet Safety Program.  In order to get started, you may want to reach out to your existing auto insurance carrier, as many carriers will offer assistance to their policyholders for creating a safety program.

Furthermore, Rancho Mesa has a proprietary template for our clients, as they design new and re-design existing Fleet Safety Programs.  We also offer Fleet Safety Training workshops twice a year to assist in this process.  Our workshops are free of charge and offered to current and prospective clients. 

To learn more, visit our Workshops and Webinars.