Workers’ compensation insurance can extend to on-the-road risks. If you employ drivers, your company’s auto insurance covers the vehicle and some of the liability risks. Yet, every business owner needs to also consider injuries to their employees. Taking steps to improve driver safety and methods to reduce risks can help ensure your drivers, road workers, or others employed in this area are safe. Here are a few things to keep in mind.
Does Workers’ Compensation Insurance Cover Drivers?
Individuals driving from one location to the next for work-related duties may have coverage under workers’ compensation insurance. An injury occurring on the road like this can be complex, involving multiple people and property owners. Yet, your employee’s injuries may fall under your workers’ compensation coverage. Keep in mind, your commercial auto coverage might offer a degree of medical payments insurance as well.
Employees working on a construction site are another example of those who are working in these dangerous conditions. When an injury occurs, they may be able to file a workers' comp claim to recoup their losses.
How to Keep Employees Safe
The most difficult component of driver and worker injuries is the unknown. There is no way to know what another driver on the road may do. Simple distractions by your driver can be high-risk as well.
There is also no way to know what conditions may cause injury to someone.
A few tips can help to keep employees safe.
- Always abide by OSHA’s numerous roadway and construction worker requirements. They offer the best tools to help individuals remain safe in these situations.
- Ensure employees operating vehicles have proper instructions. Simple conversations about not talking or texting on the phone are necessary. Employers can make these company rules to eliminate potential risks.
- Invest in drug screenings and alcohol testing if there is a risk present in your workforce. This can minimize some liability for your company. It is important to follow state laws regarding this process.
- Ensure you understand an employee’s driving history. Many states allow employers to see employee driving records. This can help ensure you are not equipping a high-risk driver with your vehicle.
- Stress the importance of proper lifting, carrying, and navigation. Most employers do not want to teach basic driving skills. However, a defensive driving course may be valuable.
Every case is a bit different. However, your workers’ compensation insurance may help cover these losses. Work with your agent closely by calling 757.583.1828. Be sure he or she understands the actions your employees take while working for you.
Also Read: Employ a Safety Risk Management Professional