FLEET UNDERWRITING / LOSS CONTROL OVERVIEW€¦ · FLEET UNDERWRITING / LOSS CONTROL OVERVIEW...
Transcript of FLEET UNDERWRITING / LOSS CONTROL OVERVIEW€¦ · FLEET UNDERWRITING / LOSS CONTROL OVERVIEW...
FLEET UNDERWRITING / LOSS CONTROL OVERVIEW
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• Positive “Safety Culture”
• Safety processes in place
• Compliance with regulations
• Utilizing industry best practices
• Driver hiring, orientation, training
• Safety manual, Awards/Discipline programs
• Inspection, Repair and Maintenance
• Operations, Driver Supervision, HOS
• Accident Administration (Register, Root Cause Analysis and
Crash Counter-Measures)
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• Account Summary
• Narrative
• Detailed Survey
• Driver Qualification File Review
• Driver list
• Equipment list
• IFTA reports (if applicable)
• Safety policy, Forms, etc.
• Photos of representative equipment, premises
• Other items as requested by U/W or LC
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Causation
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“Luck is a word devoid of sense; nothing can exist without a cause.” (Voltaire)
Fleet Safety & Crash Countermeasure Guides
• CMV and non-DOT versions
• Driver safety orientation and refresher
training
• Management and leadership
development
• Collision preventability determination
• Crash root cause analysis
• Small Fleet safety policy
Small Fleet
Contributing Factors
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EmployeeDriverOperationsMaintenance
Equipment
InspectionRepairMaintenance
Environment
WeatherRoadLight
X Event
Event
Event
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The True Cost of a Collision
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Direct + Indirect Costs (Indirect represents up to 4 x Direct Costs)
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Safety
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• The Corporate Expense Pipeline• Recruiting • Operations• HR & Payroll• Accounts Payable• Sales & Administrative• Legalization & Compliance• Maintenance, Tires & Fuel • Depreciation, Interest, Insurance• Safety???????
• Profitable companies don’t rely on “Luck”• Safety drives profitability by reducing
accidents• Unprofitable companies typically have
high claims frequency and severity levels making paying premiums difficult.
Are sufficient resources allocated to Safety?
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Measuring Driver Behavior• Telematics - VER• ECM• ELD• GPS• CSA - SMS• PSP• MVR• Investigation & Inquiries• Fuel and Maintenance Costs• Customer Feedback• Motorist Observation
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[email protected](937) 401-3227