- Lockton Affinity – Habitat for Humanity - https://hfhaffiliateinsurance.com -

Driver Acceptability: Who’s In & Who’s Out?

Young man driving a box truck [1]Allowing employees to drive a company or personal vehicle on company business isn’t something you should do on a whim. Your affiliate has a responsibility to ensure everyone driving for company business fits within the Driver Acceptability Guidelines as set forth by the Insurance Company.

So far in 2013, there have been 90 Auto claims filed in the insurance program, totaling nearly $200,000 in claim payments. By ensuring your drivers meet the requirements, we can be sure that we’re sending safer drivers out on the roads, and aim to reduce the number of accidents and claims.

How do you know if an employee is an acceptable choice to drive on business?

In order to cover your employees on your Auto policy, you must submit a Motor Vehicle Record (MVR) for each person to the insurance company. A MVR will indicate any violations and their dates of occurrence.

To obtain the MVRs for your employees, you can:

 

If the insurance company finds that a driver does not meet the acceptable guidelines, they will either charge an additional premium for your Auto policy, or they will exclude that person as a driver from the policy. Your best bet is to do your due diligence and check your employees’ driving records to determine whom you can allow to drive, and whom you cannot.

Below is a snippet from the Driver Acceptability section of the ACE Auto Underwriting Guidelines that will help you make any determinations about a driver before submitting them to the insurance company for consideration:

Driver Acceptability

Eligible drivers must:

 

Type A violations include:

 

Type B violations include:

 

If you are aware of an employee who has any known violations, you must not allow or even consider allowing them to drive on business—in either a company-owned vehicle or their own personal vehicle. If you do and an accident occurs at the fault of your employee, it doesn’t matter whose vehicle is involved—your affiliate can still be held liable for damages and injury!

If you have any questions about the eligibility of an employee to drive on business for your affiliate, call Scott Dunwiddie at 888.553.9002 or email him at habitatsafety@locktonaffinity.com [2].