Assess Risk with a Thorough Fleet Safety Program
A robust fleet safety program is one of the most effective ways to lower insurance premiums and prevent costly incidents. This begins with a clear written policy outlining driver expectations, vehicle use guidelines and procedures for reporting and addressing safety concerns. To significantly reduce incidents and claims, businesses should incorporate:
- Regular driver training
- Scheduled vehicle maintenance
- Clear accident response protocols
Hire and Monitor Drivers Carefully
Driver qualification is critical to protecting your business. Conduct background checks and review motor vehicle records (MVRs) before hiring. Once they’re on the road, continue to monitor drivers for violations or risky behavior using telematics systems or third-party driver monitoring services. This ongoing visibility helps mitigate liability and keeps your team accountable.
Best Practices for Commercial Vehicle Insurance
As insurance brokers, we work with you to determine the right type and level of coverage for your operation—whether you own a few delivery vans or manage a fleet of semis. In Massachusetts, this often includes liability, collision, uninsured motorist and comprehensive coverage. Regular policy reviews ensure your coverage evolves with your business and vehicle usage. We’d be happy to talk with you at any time to share best practices for commercial vehicle insurance.
Use Technology to Your Advantage
Today’s fleet management tools offer a range of benefits, from tracking driver behavior to monitoring engine performance. Many insurers reward businesses that proactively use GPS tracking, dashboard cameras and telematics with lower premiums. These technologies not only support claims with data but help prevent accidents by improving driver awareness.
Promote a Culture of Safety
At the heart of cost control is a strong safety culture. Recognize and incentivize safe driving, encourage transparency and create accountability at all levels. According to industry experts, companies that make safety a core value often see lower claim frequency, reduced downtime and better insurance outcomes.
Work with an Experienced Insurance Broker
Navigating the complexities of commercial vehicle insurance takes insight and experience. Dowd has been helping businesses in Western Massachusetts and Vermont for more than a century. We partner with you to find comprehensive coverage that aligns with your goals, budget and operations.
Get on the Road to Safer, Smarter Coverage
Protect your drivers, your vehicles and your business with the right commercial auto insurance plan. Request a quote today or call 413-538-7444 to speak with one of our experienced insurance brokers.