Pennsylvania Commercial Auto Insurance
Your business vehicles are critical to your success. They are a valuable asset but create significant risk to the future of your business. When you think about it - when you put a vehicle on the road, you are placing all the assets of the company on the hood of that vehicle. A fatal accident - caused by your employee - can wipe out everything you worked hard for. We understand this risk, and we help businesses develop and implement risk management strategies that positively affect their bottom line.
Recent statistics show, the average direct cost of a non-injury accident for a commercial vehicle is $16,000. If there are any injuries, the cost soars to over $76,000. When you include the indirect costs, accidents cost time and money even when properly insured.
Indirect cost of an accident can be more than you would ever imagine, and incurring those costs are especially painful when you know the accident could have been avoided. A bad hire will cost you in unemployment when you let them go because your insurance company wants to exclude him. After an accident, there will be pressure to make up for the employee's lost time while he's in the hospital. If loosing a driver was not enough, after an accident you need to look for a replacement truck to make timely deliveries. Missing a driver, you now need to pay overtime and force the employees who were careful not to have an accident to pick up the slack for the person you should have never hired in the first place. The high cost on ruining employee morale is impossible to put a price tag on.
All of this costs you valuable time and money. Your time could have been invested in building your business, generating more sales, and serving your current customers. Instead, you could end up dealing with time consuming issues that could have been avoided.
- If accidents are avoided, how much could your bottom line be positively impacted by investing in the things that matter most?
- Would the savings provide you the opportunity to invest in areas that will provide you an advantage over your competition?
Another consideration is how negative publicity will impact your business in lost revenues if a high profile accident is caused by one of your drivers. Could you have done something more - through training or otherwise - that would have prevented a horrific accident? Should you have continued to let a driver get behind the wheel of one of your vehicles knowing of his poor driving record?
- What is your current strategy for hiring qualified drivers that an insurance company will add to your policy?
- How are you keeping up with the regulatory changes imposed on commercial vehicles?
- What is OSHA's stance on distracted driving and have you taken the necessary steps to satisfy its requirements?
- How do you incorporate safety into your fleet management program?
- How are you communicating with your employees concerning all these matters?
- Do you have a BASIC score and what is your strategy to keep the score low or what actions you will take to bring it down?
Not only can Robertson Insurance & Risk Management provide an insurance solution that helps you recover after a loss, but also work to provide solutions that will help you prevent the accident from ever taking place. Regardless of what solution you need, we can help.
Our Clients Gain the Competitive Advantage
As a client of Robertson Insurance & Risk Management, you gain an advantage over the competition by keeping your focus on the business and not being bogged down in the indirect costs of accidents, claims, and personnel issues. Through our proven strategies, we help our clients obtain a distinct advantage over their competition.
One of the first places we help client's of Robertson Insurance & Risk Management is by providing access through our client portal to everything you will need to create the safety culture you need to gain the advantage in the marketplace. Not only are thousands of safety documents, policies, toolbox talks, and many other valuable safety resources available, but they are accessible online anytime you need them.
We continue to work with clients to identify risks that affect your business, develop strategies to handle the risks, and help implement strategies that positively affect your bottom line.
Begin working towards understanding and managing the risk you face every day by clicking on the Risk Review Request button on this page.