Share
You have employees who drive company cars, vans and trucks for company business. They must be approved to be covered by your insurance company.
To get covered, do the following BEFORE any employee drives company vehicles:
- Make a drivers’ list: Create a company wide driver list of everyone who is authorized to drive one of your cars, vans or trucks in behalf of your company.
- Legal name and DL #s: Your list contains the legal name and driver’s license number for all your those authorized employees approved to drive company vehicles, even if they only occasionally drive.
- CDL Drivers specified: Indicate on the listing which persons are CDL ‘large truck’ drivers (under DOT regulations and monitoring).
- Send the list to your insurance company/broker: Send this current listing to your insurance broker or carrier and they will tell you after running driving records for each of them who will NOT be covered by your current policy (due to bad driving record, wrecks, excess tickets, etc.). Note: You need to change the job duties if you hired a driver and he cannot be insured. He can do anything else you assign him to do EXCEPT drive a company insured vehicle.
- Update the list for every change: Update the listing every time someone leaves the company or is a new person is hired. This will ensure all of the drivers making truck deliveries or transports are covered by your policy.
Note: You will also in addition to an authorized list of drivers have insurance certificates carried in all of the glove boxes of the covered vehicles.
Log In to continue reading our in-depth analysis of this idea GPI 025 - To cut rising insura...
