Question: I would like to see more training as we pay premiums and the insurance company should provide more training. What is available?
Answer: As many ‘standard market’ insurance carriers are now offering limousine coverage, there is more information and training than ever before. Typically, when you purchase a policy, the insurance company will offer the following as a minimum of loss control information:
- An accident kit. This is a pre-packaged kit which gives your employees specific information and guides them through the accident process. It normally includes the claims phone number, specific dos and don’ts at the scene, sheets to gather information, and in some cases a camera to take pictures. Normally, it is the insured operator’s responsibility to review and train in the correct use of the accident kit.
- Loss control pamphlets and/or website. Most standard insurance markets will have loss control pamphlets pre-printed and available via a website or your broker. The degree or level of subjects really depends a lot on the insurance carrier and its commitment to loss control. Some insurance carriers have loss control departments staffed by specialists who analyze and train clients to improve their business practices to maximize safety and minimize premiums. These are not normally your discount carriers but rather the ones which you would get what you pay for.
- There are several aftermarket products, loss control specialists for hire, and safety programs and websites which you can purchase or join. Regardless of whether it is a free service provided by your insurance company or something you will invest in, do so immediately. With loss control and prevention, every little bit helps. Remember that negligence is knowing you should do something and refusing to do so.
About Lee Martinez
Lee Martinez is the President of Transpo Insurance and has more than 20 years of experience in the chauffeured transportation industry as a broker, managing general agent, and an operator. He is one of only three LimoPro Council members for the Willis Programs, a board member of the Greater California Limousine Association, and he has offices in Denver; Long Beach, Calif.; and Las Vegas. His companies offer insurance products in 22 states and he insures more than 5,500 livery vehicles in those states. Martinez also developed an internet Safety Training Program which is available at www.stop-program.com and he is a managing partner of ProTrans West, a managing general agency, which offers livery insurance products to retail brokers in the 22 western states. He can be reached at (702) 364-4727 or firstname.lastname@example.org.