Winter conditions increase the challenges for staffing firms that depend on employees using non-owned vehicles for work. Slick roads and unpredictable weather make driving riskier, emphasizing the need to reassess hired and non-owned auto insurance coverage during the winter months.
As insurance agents, you play a vital role in helping staffing agencies prepare for these seasonal risks.
Why Winter Elevates Non-Owned Auto Risks
Winter driving comes with its own set of challenges. Slick road surfaces, poor visibility, and increased stopping distances all heighten the potential for accidents. In fact, about 24% of weather-related vehicle collisions happen on snowy, slick, or icy pavement.
For staffing agency clients, these risks are especially concerning when employees use non-owned vehicles to commute between assignments or client locations. Your clients may face amplified liability, making it crucial for them to have a comprehensive hired and non-owned auto insurance policy.
With the right auto insurance coverage, staffing firms can rest assured that any incidents involving non-owned vehicles won’t lead to major financial setbacks.
What Is Hired and Non-Owned Auto Insurance?
Hired and non-owned auto insurance protects staffing agencies when their employees use rented or personal vehicles for work purposes. Unlike a traditional fleet policy, this coverage addresses the needs of businesses that don’t own company vehicles but still require employees to be on the move.
For instance, a simple fender-bender due to icy roads could lead to costly repair or liability claims for your agency client.
With hired and non-owned auto insurance in place, the staffing firm can rest easy knowing these damages are covered. Whether it’s dealing with weather-related issues or protecting against liability in cases where an employee’s car is used for work, this coverage is invaluable.
Preparing Non-Owned Vehicles for Winter
As insurance agents, you can recommend practical measures to help your staffing clients prepare their non-owned vehicles for the winter season.
Steps such as checking tire tread, using snow tires, and ensuring vehicles are equipped with emergency winter kits go a long way in preventing accidents. Reminding employees about the importance of cautious driving and safe speeds on icy roads can also make a significant difference.
These proactive safety measures serve as an effective complement to hired and non-owned auto insurance policies, reinforcing responsible vehicle usage while enhancing coverage effectiveness. Encouraging clients to prioritize safety minimizes risk and helps protect both their drivers and their business.
How Hired and Non-Owned Insurance Helps
All in all, hired and non-owned auto insurance is an essential safeguard for staffing firms using non-owned vehicles against the increased risks that winter weather poses.
Insurance agents should encourage their clients to thoroughly evaluate their coverage needs during the winter season to avoid potential liability pitfalls.
If you’re ready to help your staffing clients stay protected this winter, contact us today at World Wide Specialty Programs to ensure their non-owned vehicle use is safeguarded with the right insurance solutions.
About World Wide Specialty Programs
For the last 50 years, World Wide Specialty Programs has dedicated itself to providing the optimal products and solutions for the staffing industry. As the only insurance firm to be an ASA commercial liability partner, we are committed to that partnership and are committed to using our knowledge of the industry to provide staffing firms with the best possible coverage. For more information about Staffing Professional Liability Insurance or any other coverage we have available to protect your staffing business, give us a call at (877) 256-0468 to speak with one of our representatives.