Risk & Business Magazine McFarlan Rowlands Magazine Summer 2018 | Page 28

FLEET SAFETY BY:JASON SCHNEIDER COMMERCIAL ACCOUNT EXECUTIVE How to Implement A SAFETY CULTURE H ave you seen your fleet insurance rates rise in recent years? If so, you are not alone. A number of factors have contributed to these increases, including a higher incidence of traffic accidents caused by distracted driving, greater cost of repairs due to more sophisticated auto technologies, skyrocketing medical costs, and the difficulty in recruiting experienced drivers. With claims topping hundreds of millions a year in Canada, business owners must use every tool in their arsenals to better control insurance costs and help reduce the number of claims attributable to their fleets. 28 A well-conceived fleet safety program requires a comprehensive effort that crosses many departments within your company, including those responsible for hiring and managing drivers, maintaining fleets, establishing company standards, and enforcing them. Management can play a critical role in developing a “safety- first” culture so that everybody in the organization understands the importance of their role in working toward a standard of safety excellence. This type of company culture, of course, is also invaluable in creating high morale and a positive attitude among your employees. When you implement a culture of safety first, you also become better positioned when it comes to your insurance profile. Your proven record of emphasizing safety can become an important negotiating tool when it comes time to purchase a new policy or negotiate a claim, particularly if you have a good track record under your belt. Your insurance agent should act as an advocate in this regard, working on your behalf not only to obtain the best possible coverage but also to favourably resolve claims and negotiate settlements. What are the components of a comprehensive safety program? They may include things that you are already doing, but they need to be coordinated and