When operating a trucking company, hiring quality drivers can be challenging. It is common for drivers to apply for a job with a questionable driving record. You may like a certain driver and believe they would be a good fit for your company, but be unsure about hiring them because of insurance concerns.
It can be difficult to receive insurance for drivers with subpar records. It is also difficult to receive insurance for brand new drivers. Sometimes it is costly or impossible for a company to sell you insurance.
There are some companies that insure drivers regardless of their record. However, these companies may charge you an outrageous price or refuse to pay if you file a claim.
According to Simplex Group trucking insurance, the best way to ensure your insurance premiums are low is to follow Federal Motor Carriers Safety Administration guidelines and thoroughly investigate your drivers before hiring them.
How to Screen Drivers
When you screen a driver during the hiring process, the FMCSA requires you to verify their name and license information. You should also contact previous employers to verify employment dates and discuss safety records. You are required to retain files on every driver you hire. It is also required to keep those records on file for at least 3 years. A background check must be conducted within 30 days of hiring a new driver. Verification can be done through email, in person, or over the phone.
It is required to check potential drivers’ motor vehicle records in every state they have lived in during the last 3 years. If they have had any accidents, you must obtain detailed information about the collisions. You should also obtain detailed information about any disciplinary action taken against the driver.
There are a few things that disqualify a person from working as a professional truck driver.
- Driving under the influence of drugs or alcohol.
- Refusing a drug test.
- Use, possession, or distribution of a controlled substance of any kind.
- Committing a felony while using a commercial truck.
- A hit and run accident.
Does the driver have any DUI charges?
If one of your driving candidates has charges of driving under the influence of alcohol or drugs against them, it could significantly affect your ability to get insurance. If your drivers have a record of substance abuse, most insurance companies will not insure them. Before you hire a driver, you should acquire an insurance estimate.
A commercial truck driver is required to receive a full medical examination before being hired by a company. Only FMCSA-certified doctors can perform the medical examination on a truck driver. A driver must have keen eyesight and steady hands. They must also have excellent hand to eye coordination.
Less Than Perfect Record
Negotiating a fair price for insurance can be difficult. However, there are companies devoted to managing paperwork and selecting insurance for trucking companies. They will be able to find a policy that covers each of your drivers, including drivers with a subpar record.
Insuring employees is one of the most time-consuming and tedious tasks, but is critical to any trucking business. If one of your drivers gets into an accident, you want to prove you did everything possible to screen them carefully and be sure they have the training and experience to drive safely.