American Towman Magazine - September 2022

Page 57

miles way for your home base. (While not technically wrong on an occasional basis, it might raise some questions about the scope of your policy.) • Promote graphic pictures of the scene of an accident. (Aside from distracting from a professional company presentation, there’s a potential issue with litigation.) • Display pictures of using your wrecker’s boom lifting items not covered under your current policy. (Since a tow truck is basically a crane on wheels, avoiding getting to the edge of your coverage. If you do need to handle unusual items, you might need to add a special rider to your policy called “downriggers’ crane coverage” in case additional damage results; e.g., suppose an AC compressor you’re lifting accidentally drops through the roof of a restaurant, causing a loss of business claim.)

Don’t: • Just put anyone behind the wheel in your tow truck. (Training is essential, so don’t take risks with an inexperienced driver— better to just park the truck. And you might get a reduction in your insurance premium while that tow truck is not being used.) • Avoid having a revolving door of drivers. (Otherwise it shows a lack of business stability and

possibly some internal issues.) • Refrain from having either all young drivers or all old drivers. (Otherwise it might seem like you’re unable to attract fresh talent, or that your operators might be too old to handle unloading a flipped tractor trailer.)

GAPS IN COVERAGES

Do: • Make sure you tell your

DRIVER PROFILE AND RECORD

Do: • Have a variety of aged drivers with different years of experience. (Older operators are more experienced, and they can train younger ones. Even so, all drivers need to pass a DOT physical before handling a commercial tow truck.) • Recheck your drivers’ MVR (Motor Vehicle Record) yearly to make sure they are eligible to be a tow operator. • Make sure the driver is licensed for what they will be driving (a CDL is required to operate any vehicle with a gross weight rating in excess of 26,000 pounds.). • Make sure you list all parttime and full-time drivers. (Some insurance companies require a list of everyone who’s operating a tow truck for your firm.)

Work the non-traffic side - Stay Safe!

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