Having an official, written driver policy shows your employees and your insurer that you take the issue very seriously.
Since you are entrusting an employee with a vehicle with your name on it, it certainly makes good business sense since the exposure to a catastrophic claim is probably higher in the operation of your fleet than in any other arm of your business.
Without a good risk management strategy, premiums and claims are bound to increase.
In short, if you don't have a written driver policy, maybe you should consider one.
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