Commercial Auto- Tips to Manage Risk of Employees Driving
September 27, 2021
Commercial Auto- Tips to Manage Risk of Employees Driving

Have you ever been home with a sick kid watching Let’s Make a Deal and you start to realize that every other commercial on television is an auto accident attorney? Have you been injured in a vehicle crash? You are entitled to compensation. The next thing you hear is the voice of the client, my lawyer got me one million dollars, the insurance company was going to offer me less. Hmmmm….


The vast majority of civil litigation is personal injury lawsuits involving things like dog bites, defective products or medical malpractice, but according to the U.S. Department of Justice, motor vehicle accidents accounted for more than half of the personal injury cases (52% to be exact) and plaintiffs were successful about 61% of the time.  The main causes of vehicle crashes according to the National Highway Traffic and Safety Administration are alcohol, speeding, distracted driving, large truck accidents, and pedestrian and bicycle accidents.


These dangerous factors are well known, but what happens when you put an employee into a vehicle that you own? You give them the car, and you give them your insurance. Everything that they do behind the wheel can affect your business. Vehicle accidents leave your vehicle damaged or totaled and responsible for the injuries of your employee and anyone else they are found legally liable for.   I’m going to share with you some tips to ensure that driver safety is a top priority for your company.


Tips for Driver Safety


1. Write a company policy to spell out rules for safe driving

Use your employee handbook to spell out the rules for using the company vehicle. Make sure that it is in your written policy to obey all the rules of the road, avoiding texting or calling while driving and exercise the proper due diligence to drive safely and maintain the security of the vehicle and its contents. Employees should be notified that they will be responsible for all driving infractions including fines as a result of their driving. Under no circumstances is the employee permitted to operate a company vehicle with any physical or mental impairment that may cause the employee to drive unsafely including the use of drugs or alcohol weather legal or illicit.


2. Check employee driving records

If your employees drive for work purposes, you should check their driving record to ensure they’re not prone to traffic violations and other driving-related offenses. Insurance carriers also have driver guidelines for acceptable drivers and those are important to know about and follow. The industry uses real data to formulate the guidelines for the ideal driver and the criteria vary but typically age, driving record (frequency and severity) and mileage driven are the main factors. You may be subject to adverse pricing based on driving records and past losses. To review a person’s driving record, you can obtain a motor vehicle report from the Department of Motor Vehicles in the state in which the employee is licensed. The employee will need to sign a release authorizing you to obtain that information from the DMV. Make sure employees understand that this will be required of them prior to their employment.


3. Implement driver safety training

Create a culture of driving safety within your company by developing and implementing a driver safety program. Hold seminars and workshops on a regular basis to properly train employees and ensure they understand what’s expected of them. You can provide refreshers on what they’ve learned by offering e-learning courses on driver safety. Many insurance carriers offer driver safety training on their web sites most of the time at a low or no cost with your commercial auto insurer. In addition, SimcoHR has a Learning Management System with several safety trainings available. Formal defensive driving courses are available through various sources and can offer discounts on your insurance.


4. Consider tracking vehicles with technology

There are several GPS trackers and monitors on the market all which allow you to monitor the speed and location of your company owned vehicles. Telematics is just one way to get just a little bit of control back from the use of your commercial vehicle by employees. The use of telematics can provide automatic reporting of mileage, driving time and time at a job site. It can encourage safe driving, reduce unauthorized vehicle use and improve vehicle security because you’ll know where it is 100% of the time. In addition, telematics can reduce the cost of your insurance, some up to 15%.


5. Have adequate insurance

Insurance policies are an important risk management tool for employers who have vehicles out on the road. Not only is the insurance statutory, but it plays an important part when accidents happen to indemnify those involved and protect the business’ bottom line when their driver is at fault. Most commercial auto policies start at a combined single limit of $1,000,000 and higher limits are available including coverage under an umbrella policy.  With the proper vetting of employees and keeping up your vehicles’ maintenance, employee training and enforcing good driver policies you can safely navigate the waters of commercial auto.


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June 2, 2025
When school lets out, many working parents face a new set of challenges: piecing together childcare, coordinating summer camps, adjusting work schedules, and simply trying to maintain a sense of balance. For employers, this season presents a valuable opportunity to demonstrate empathy and build stronger connections with your workforce—especially your working parents. By offering the right policies, benefits, and workplace flexibility, your company can help parents manage the summer shuffle—while keeping productivity and morale strong. Here are a few impactful ways to make that happen. 1. Offer Flexible Scheduling Options Summer schedules are rarely predictable, especially for parents with younger children or teens involved in day camps, sports, or part-time jobs. Allowing employees to shift their working hours or compress their workweeks can be a game-changer. Early start and end times, four-day workweeks, or staggered hours give parents the flexibility to handle family logistics without sacrificing their jobs. What you can do: Encourage managers to have open conversations with team members about their summer availability. Promote cross-training so employees can support each other during flexible hours or time off. Formalize a “Summer Flex Hours” program to show company-wide support. This kind of trust-driven flexibility not only improves work-life balance but also boosts engagement and retention. 2. Revisit Your Remote or Hybrid Work Policy For companies that support remote work, summer is an ideal time to offer extra flexibility. Parents may need to be closer to home for child supervision or to avoid time-consuming commutes during camp drop-offs and pickups. Even one or two remote days per week can ease the mental load on parents—helping them stay focused and productive during working hours. And it signals a deeper commitment to employee wellbeing. Ways to implement: Offer a seasonal “summer remote work option” if your company is traditionally office-based. Empower department heads to tailor remote work flexibility to their team’s needs. Reinforce accountability and results-based performance to support this model. Tip: Simco is happy to help you review your remote work policy for both compliance and employee satisfaction! 3. Promote and Educate on Dependent Care Benefits Many organizations offer dependent care support, but employees often forget—or aren’t aware—of what’s available. Summer is a perfect time to highlight programs like: Dependent Care FSAs (tax-free childcare reimbursements) Childcare subsidies or stipends Backup care assistance Employee Assistance Programs (EAPs) with parenting or caregiver resources Tip: Create a simple “Summer Benefits Guide” or a quick email campaign highlighting available benefits. If your team uses a digital portal or app, make sure this information is easily accessible and up to date. 4. Plan Ahead for PTO and Team Coverage Summer means vacations—and for working parents, this might be the only chance they get to spend extended time with their families. That’s why it’s crucial to encourage early vacation planning and transparent communication among teams. Strategies to support summer PTO:  Ask employees to submit summer PTO requests as early as possible. Use shared calendars and collaborative tools to coordinate team coverage. Train back-up team members ahead of time to avoid last-minute stress. Consider adding a floating summer holiday or mental health day to give employees a breather. When employees feel supported in taking time off, they’re more likely to return refreshed and ready to re-engage. 5. Build a Family-Friendly Workplace Culture Supporting working parents isn’t just about policies—it’s about creating a culture of empathy and understanding. That starts with leadership modeling flexibility, and continues with teams who respect boundaries and accommodate personal obligations. Ideas to build culture: Create a parent resource group or Slack channel to exchange ideas and support. Share local summer camp or childcare resources in your company newsletter. Avoid scheduling late afternoon meetings that may interfere with family commitments. Celebrate family milestones or kid-friendly moments in a light-hearted way. These small cultural cues can go a long way in helping working parents feel seen, supported, and valued—especially during a season that’s often more stressful than relaxing. Final Thoughts Supporting working parents through summer break isn’t just the right thing to do—it’s a smart business strategy. Offering flexibility, benefits education, and an understanding culture helps companies retain top talent, foster loyalty, and create a healthier workplace for all. Need Guidance? At Simco, we specialize in helping businesses implement people-first policies and scalable benefit solutions. If you’re looking to enhance your workplace support for parents (or all employees), our specialists are here to guide you! Let’s talk about how we can help your workforce thrive—this summer and beyond.
May 30, 2025
Let’s be honest—mid-year reviews often don’t get the attention they deserve. They sneak up between vacations, project deadlines, and Q3 planning. But when done right, these check-ins can be one of the most valuable tools you have for keeping employees engaged, aligned, and growing. They’re not just about checking a box or filling out a form. Mid-year reviews are a chance to reconnect, recalibrate, and reenergize your team—and they can have a big impact on retention and performance. So, how do you make these conversations count? Let’s break it down. Why Mid-Year Reviews Actually Matter Think of the mid-year review as a strategic pit stop. You’ve made it halfway through the year—now’s the time to assess what’s working, what needs adjusting, and where your people want to grow. And here’s why that matters: Companies that implement regular performance feedback see 14.9% lower turnover rates than those that don’t, according to Gallup Employees who receive consistent feedback perform better and are more engaged overall, according to studies conducted by the Harvard Business Review Employees are far more likely to stay when they know their growth is supported The takeaway? People want feedback. But more importantly, they want useful feedback—along with the tools to take the next step forward. What to Ask: High-Impact Questions Performance reviews should feel like conversations, not interrogations. Open-ended, thoughtful questions help create space for honest dialogue. Below are a few ideas to keep the conversation flowing—and meaningful. Goals & Achievements What’s been your proudest accomplishment this year? What challenges have you worked through—and what did you learn? Are we on track with the goals we set earlier this year? Strengths & Value What are you most confident about in your role? Where do you feel you're making the biggest impact? Growth Opportunities Are there any skills you’re itching to develop? Where could we offer more support or resources? Looking Ahead Where do you see yourself a year from now? What kind of training or experiences would help you get there? This isn’t just about reviewing the past—it’s about setting the tone for the future. Turning Feedback into Development: Exploring the Role of Learning Management Systems Identifying growth opportunities during a performance review is just the first step—real transformation happens when you take action on that feedback. One effective way to support employee development is by leveraging a Learning Management System (LMS) . An LMS provides a structured and scalable way to turn feedback into forward momentum—whether you're preparing someone for a promotion or helping them build confidence in new skills. Key LMS features that support performance development include: Personalized learning paths aligned with individual or team goals Access to broad training libraries, including compliance and skill-building content Tools to track progress and measure learning impact Engaging elements like AI assistance, gamification, and peer learning These tools transform performance feedback into growth, helping businesses create a continuous learning culture. Look No Further At Simco , we support our clients through every stage of the performance management journey — from crafting the right review questions to delivering personalized, scalable learning opportunities. Our integrated HCM technology includes the isolved Learn & Grow Module, which features: 89,000+ courses including SCORM and state-compliant training Custom curriculums for individuals and teams AI-driven search and chatbot support Dashboards, reporting, gamification, and more Final Thoughts: Mid-Year Reviews Are a Strategic Lever Mid-year reviews are more than a checkpoint — they’re a chance to re-engage your team, show appreciation, and chart a clear path forward. When you treat them as an opportunity for dialogue, reflection, and action, the benefits ripple across retention, morale, and performance. Want to make your next round of reviews truly impactful? Let’s talk about how Simco can help streamline your process and empower your people.
May 15, 2025
Each spring, New York State enforces a residential burn ban from March 16 through May 14 to help prevent wildfires. As of yesterday, the ban has officially been lifted , but fire safety should remain top of mind. While the Finger Lakes has seen steady rain this week, the risk of fire can still escalate quickly with a few dry, breezy days. If you’re planning to burn brush, enjoy a backyard fire pit, or take part in spring clean-up, it’s important to do so with caution. Why Does the Burn Ban Exist? The annual burn ban is in place to reduce the threat of wildfires during one of the most vulnerable times of the year. In early spring, before trees and vegetation fully green up, dead grass, leaves, and branches are dry and highly flammable. Combined with seasonal winds and low humidity, even small outdoor fires can spark large, fast-moving wildfires—especially in rural areas. This proactive ban has proven to significantly lower the number of wildfires across the state each year, protecting homes, farmland, and natural habitats. What Homeowners Should Do Now With the ban lifted, it’s a good time to: Review your homeowners insurance to ensure you're protected against fire-related damages. Practice safe outdoor burning , such as keeping fires a safe distance from structures and never leaving them unattended. Consider additional coverage for properties with wooded acreage or high-risk features. At Simco , we’re here to help you navigate risks like these—before they become problems. Whether you need a policy review or simply want to make sure your coverage keeps pace with your lifestyle, we’re just a call or click away .

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