Pimp My Ride Insurance Style
Who's In the Driver's SeatWhether youre putting someone behind the wheel of your clients two-ton truck or having them use their own vehicle for a company errand, its up to you to ensure that every possible safeguard is firmly in place. Are you able to confidently answer the following questions?
- Do you verify backgrounds, including driving records for the past five years even if the worker lived in another state?
- Who in your firm is responsible for checking backgrounds? How often do you update/review the information to confirm that there have been no subsequent offenses that could impact your liability? If you do become aware of new offenses, do you immediately remove that driver from the road?
- Have you established set criteria to keep individuals with certain driving offenses off your payroll at least in a driving capacity? Are all of your sales people and recruiters aware of this criteria, and do they know how to handle an applicant who does not meet the minimum requirements?
- Do you avoid placing youth drivers (under the age of 21) or those with more than one moving violation or accident during the last five years?
- Have you verified that the criteria you use are in compliance with all applicable federal and state statutes?
- Have you and your attorney reviewed the possible consequences of hiring a driver who has drug-related offenses or DUIs on their record?
- Do you confirm insurance is in place when you hire an individual and have them use their own vehicle? Do you advise your insurance carrier that you have these types of workers?
- Do you agree to assume the liability resulting from the actions of these workers when placed with a client?
- Do you confirm that your client has insurance coverage for the vehicles your employees are driving, and that the coverage will apply to the employees?
Pass the Driving TestIf any of your employees are involved in an accident where lives are lost or devastating injuries occur, someonein many cases youwill ultimately have to pay. Make sure your insurance air bag is ready to be deployed.
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