As a business owner, you understand the importance of having commercial auto insurance for your vehicles. However, it’s not just about having insurance; it’s also about having the right coverage to keep your employees and vehicles safe. In this blog, we will provide you with tips to help you get the right commercial auto safety policy.
7 Tips to Help You Get the Right Commercial Auto Insurance
Stay Aware of Your Surroundings
One of the critical aspects of commercial auto safety is to stay aware of your surroundings. Encourage your employees to remain alert and focused on the road at all times. Make sure they are aware of blind spots, traffic signs, signals, and any potential hazards.
Stick to a Safe Distance
Maintaining a safe distance between your commercial vehicle and the vehicle in front is crucial to avoid accidents. Encourage your drivers to maintain a distance of at least three seconds behind the vehicle in front.
Using signals when driving is crucial, especially when making turns or changing lanes. Encourage your drivers to use turn signals at least 100 feet before making a turn and to signal their intent when changing lanes.
Perform Regular Maintenance
Regular vehicle maintenance is crucial to ensure that your commercial vehicles are operating correctly. Regular oil changes, tire rotations, and brake checks can help keep your vehicles in good condition and prevent accidents caused by mechanical failure.
Create a Defensive Driving Course
Creating a defensive driving course for your employees can help improve their driving skills and reduce accidents. The course should cover topics such as safe driving practices, defensive driving techniques, and how to handle emergencies.
Planning for Emergencies
Accidents and emergencies can happen at any time, and it’s crucial to have a plan in place. Make sure your employees know what to do in case of an accident, such as contacting emergency services, taking pictures of the accident, and exchanging information with the other driver.
Choose the Right Commercial Auto Insurance Policy
Having the right commercial auto insurance policy is crucial to protect your business and your employees. Here’s how you can choose the right policy:
- Determine Your Coverage Needs: Before choosing a commercial auto insurance policy, determine the coverage you need. Your coverage needs will depend on the type of vehicles you have, how many employees you have, and the type of business you run.
- Shop Around: Shop around and compare quotes from different insurance providers. This will help you get the best coverage at the best price.
- Choose a Reputable Insurance Provider: Choose an insurance provider with a good reputation and a history of providing excellent customer service.
- Consider Additional Coverage Options: In addition to standard commercial auto insurance, consider additional coverage options such as liability, comprehensive, and collision coverage.
- Check for Discounts: Many insurance providers offer discounts for businesses with good driving records, multiple vehicles, and other factors. Check for discounts that your business may qualify for to lower your premium.
Getting the right commercial auto safety policy is crucial to protect your business and your employees. Encourage your employees to stay aware of their surroundings, maintain a safe distance, use signals, perform regular maintenance, and plan for emergencies. By following these tips, you can ensure that you have the right coverage to keep your employees and vehicles safe.
Choose the Right Commercial Auto Insurance Policy with Action Insurance
Now that you know how to get the right commercial auto policy, take action and protect your business. Contact our auto insurance agents at Action Insurance Group today to get started on finding the right coverage for your commercial vehicles.
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