How to Add Drivers to Your Commercial Auto Policy

Adding a driver to your commercial auto policy typically involves a few straightforward steps. First, gather all necessary information about the new driver. This includes their full name, date of birth, driver’s license number and driving history. Insurance companies often require a detailed driving record to assess the risk associated with the new driver.

Next, contact your insurance provider to inform them of the new driver. Depending on the insurer’s processes, this can usually be done through a phone call, email, or online portal. Provide the insurer with the collected information and any additional details they may request. The insurer will then evaluate the new driver’s risk profile and determine any adjustments to your policy.

It’s important to understand that adding a new driver may affect your premiums. Drivers with clean records and extensive experience may have a minimal impact, while those with less experience or a history of violations could lead to higher premiums. Discuss these potential changes with your insurer to understand how the new driver will impact your policy.

Considerations for Adding Drivers

Several factors must be considered when adding drivers to your commercial auto policy. One key aspect is the driver’s role within your company. Ensure that the driver is appropriately licensed for the type of vehicle they will be operating. For example, if the driver handles large trucks or specialized equipment, they may need a commercial driver’s license (CDL) with specific endorsements.

Additionally, consider implementing a driver training program to help new drivers understand your company’s safety protocols and expectations. This can help reduce the risk of accidents and improve overall safety. Review your driver roster with your insurance provider regularly to help you maintain accurate coverage.

Learn More

Contact Yeyes Auto Insurance & Tax Agency to review your commercial auto insurance coverage and compare quotes from top area insurers.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.