If you’ve noticed an increase in your organization’s automobile losses and, along with it, your insurance premium, you’re not alone. It’s clear automobile claims have been increasing in both frequency and severity. While there’s some debate about the cause of these increases, it seems clear based on federal data that the underlying cause of the risk is simple — it’s greater because the number of miles we travel is rising.

Interestingly enough, this increase seems to track with our country’s improved economic conditions. The Federal Highway Administration’s historical data shows the following for average miles traveled in the month of May for each of these years:

As you can see, since 2011, there’s been a steady increase in the amount of time on the road, with the greatest amount of travel happening in the western states.

OK…so I’ve thrown a lot of data at you. My point is that if you or any of your employees hit the road…you need to stay protected. Think about this for a moment — a single incident has the potential of triggering multiple claims, to include:

In this improved business environment and jockeying to hire qualified employees, it’s critical to implement or improve your employee driver program. I’ve listed a few examples of items to consider:

Business travel won’t slow down or end; it’s just part of the way we work nowadays. Because of this, I encourage you to take a look and see if you can beef up any of your driving programs and policies. You can also reach out to us with any questions.