Pest Perspectives - September/October 2016 - 13

feature Drivers and Your Fleet Safety Program By Steven Bojan, HUB International T he pest control industry faces many significant risk exposures. The most obvious ones are tied directly to the core business, exposure to applied products and employee injuries associated with animal control activity. The most common type of insurance claims associated with the pest control industry are from vehicle crashes. These include claims by people in other vehicles that have been struck, physical damage claims associated with damage to company vehicles, and work related injuries that resulted from vehicle crashes. An additional risk to pest control companies from fleet activities include negative public relations associated with critical crashes and the general public witnessing a driver practice unsafe driving habits in company-branded vehicles. By design these vehicles are moving billboards! It can take hundreds of service calls to make up for the cost of one crash and in rare cases, a catastrophic crash can financially devastate a successful organization. Improved chemicals, application processes and employee training have greatly reduced costs associated with injuries to employees and exposure claims. Fleet claims have headed in the opposite direction: While frequency is down, the average cost of vehicle crashes has dramatically increased. This trend has affected not only the pest control industry, but all service-based fleets. Newer vehicles are much more expensive to repair than their older counterparts www.flpma.org | www.pestperspectives.com and third party claimants are much more likely to use an attorney than in years past. Lawyers that specialize in handling vehicle crash claims are now blanketing the country. They make themselves known to all of us via television commercials and billboards that promise large payouts if they are quickly contacted after a crash. Almost all commercial insurance carriers are focusing on vehicle coverages. This area has become one of the biggest concerns as losses have increased greatly while rates have remained relatively low when compared with the exposure. Plaintiff claims for $1 million are no longer considered shock losses, and juries have been handing out huge verdicts. Insurance companies are looking much more closely at their insured's historical loss data and safety practices. They want to make sure that their clients are not a serious claim waiting to happen. Rates are going up for many fleets and in some cases it has become difficult to find vehicle insurance for companies with particularly poor loss histories. Fleet operations pose a huge challenge to management because there are so many variables out on Pest Perspectives 13 http://www.flpma.org http://www.pestperspectives.com

Table of Contents for the Digital Edition of Pest Perspectives - September/October 2016

Presidential Perspective
FPMA in Paradise 2016 Highlights
Wearable Technology
Drivers and Your Fleet Safety Program
FPMA Corner
Controlling Virus-Spreading Mosquitoes
Operational Excellence
Marketing Matters
Advertiser Index
Pest Perspectives - September/October 2016 - cover1
Pest Perspectives - September/October 2016 - cover2
Pest Perspectives - September/October 2016 - 3
Pest Perspectives - September/October 2016 - 4
Pest Perspectives - September/October 2016 - 5
Pest Perspectives - September/October 2016 - Presidential Perspective
Pest Perspectives - September/October 2016 - 7
Pest Perspectives - September/October 2016 - FPMA in Paradise 2016 Highlights
Pest Perspectives - September/October 2016 - 9
Pest Perspectives - September/October 2016 - Wearable Technology
Pest Perspectives - September/October 2016 - 11
Pest Perspectives - September/October 2016 - 12
Pest Perspectives - September/October 2016 - Drivers and Your Fleet Safety Program
Pest Perspectives - September/October 2016 - 14
Pest Perspectives - September/October 2016 - 15
Pest Perspectives - September/October 2016 - 16
Pest Perspectives - September/October 2016 - 17
Pest Perspectives - September/October 2016 - 18
Pest Perspectives - September/October 2016 - FPMA Corner
Pest Perspectives - September/October 2016 - Controlling Virus-Spreading Mosquitoes
Pest Perspectives - September/October 2016 - 21
Pest Perspectives - September/October 2016 - 22
Pest Perspectives - September/October 2016 - Operational Excellence
Pest Perspectives - September/October 2016 - 24
Pest Perspectives - September/October 2016 - 25
Pest Perspectives - September/October 2016 - 26
Pest Perspectives - September/October 2016 - Marketing Matters
Pest Perspectives - September/October 2016 - 28
Pest Perspectives - September/October 2016 - Advertiser Index
Pest Perspectives - September/October 2016 - 30
Pest Perspectives - September/October 2016 - cover3
Pest Perspectives - September/October 2016 - cover4
http://www.nxtbook.com/naylor/FPMS/FPMS0616
http://www.nxtbook.com/naylor/FPMS/FPMS0516
http://www.nxtbook.com/naylor/FPMS/FPMS0416
http://www.nxtbook.com/naylor/FPMS/FPMS0316
http://www.nxtbook.com/naylor/FPMS/FPMS0216
http://www.nxtbook.com/naylor/FPMS/FPMS0116
http://www.nxtbook.com/naylor/FPMS/FPMS0615
http://www.nxtbook.com/naylor/FPMS/FPMS0515
http://www.nxtbook.com/naylor/FPMS/FPMS0415
http://www.nxtbook.com/naylor/FPMS/FPMS0315
http://www.nxtbook.com/naylor/FPMS/FPMS0215
http://www.nxtbook.com/naylor/FPMS/FPMS0115
http://www.nxtbook.com/naylor/FPMS/FPMS0614
http://www.nxtbook.com/naylor/FPMS/FPMS0514
http://www.nxtbook.com/naylor/FPMS/FPMS0414
http://www.nxtbook.com/naylor/FPMS/FPMS0314
http://www.nxtbook.com/naylor/FPMS/FPMS0214
http://www.nxtbook.com/naylor/FPMS/FPMS0114
http://www.nxtbook.com/naylor/FPMS/FPMS0613
http://www.nxtbook.com/naylor/FPMS/FPMS0513
http://www.nxtbook.com/naylor/FPMS/FPMS0413
http://www.nxtbook.com/naylor/FPMS/FPMS0313
http://www.nxtbook.com/naylor/FPMS/FPMS0213
http://www.nxtbook.com/nxtbooks/naylor/FPMS0113
http://www.nxtbookMEDIA.com