Commercial Auto
In the A&E and construction sectors, your vehicles are mobile offices and equipment haulers, making them one of your highest liability exposures. A single road incident can impact your brand, your projects, and your premiums. While we are not fleet managers, we help you access the carrier-provided safety technologies and driver-qualification tools that keep your team safe and your "Hired & Non-Owned" exposure in check.
Our role is to connect you with resources that turn your fleet into a documented safety asset, ensuring you are positioned favorably during every policy renewal.
1
Fleet Telematics & Driver Behavior Monitoring
We leverage our carrier relationships to get you discounted access to telematics and dashcam platforms. These tools provide real-time data that moves you from a reactive to a proactive safety posture.
These resources help you:
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Monitor high-risk behaviors like harsh braking, rapid acceleration, and speeding.
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Incentivize safe driving through "driver scorecards" and internal rewards.
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Exonerate your drivers in "not-at-fault" accidents using high-definition video evidence.
2
Driver Qualification & MVR Monitoring
best way to prevent an accident is to ensure the right people are behind the wheel. We facilitate access to automated systems that manage your driver files and monitor Motor Vehicle Records (MVRs).
We help you access tools for:
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Continuous MVR Monitoring: Receiving alerts the moment a driver receives a citation or license suspension, rather than waiting for an annual check.
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Standardized Hiring Criteria: Implementing carrier-approved benchmarks for acceptable driving histories.
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Driver Orientation Templates: Checklists for onboarding new staff to your specific vehicle safety protocols.
3
"Hired & Non-Owned" Risk Mitigation
Many A&E firms overlook the risk of employees using personal vehicles for business errands or site visits. We provide the frameworks to manage this "hidden" fleet.
Access guidance on:
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Personal Vehicle Standards: Minimum insurance requirements and maintenance checks for employees who drive on your behalf.
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Cell Phone & Distraction Policies: Standardized corporate language to prohibit mobile use while driving.
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Rental Car Protocols: Best practices for ensuring your firm is protected when teams travel for out-of-state projects.
4
Preventive Maintenance & Inspection Workflows
Breakdowns on the way to a job site are more than an inconvenience—they are a safety hazard. We connect you with digital tools to streamline vehicle uptime.
These resources include:
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Pre-Trip Inspection Checklists: Simple, mobile-friendly forms for drivers to document vehicle readiness.
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Maintenance Tracking Portals: Automated reminders for oil changes, tire rotations, and brake inspections.
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Accident Kits: On-board documentation guides (Spanish/English) to ensure drivers capture the right data at the scene.
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Start your coverage with experts who understand your industry.