Please review the following risk questions to see if they apply to your operation.
- Do you have an up to date fleet management program which includes copies of MVR’s for each driver, “How is my driving” call program, and safe driver incentives?
- Do you have a documented safety program with an active safety committee? Are you OSHA compliant?
- Does your Loss of Income insurance provide coverage for loss of power or water supply?
- Do you pay your Workers Compensation premium with your payroll to avoid surprise additional premium audits?
- Do you really understand how experience rating modification works and are open reserves reviewed prior to deadline for experience rating?
- Are you covered as additional insured under Manufacturer’s Product Liability policy?