Vehicles owned and operated by your organization are probably the greatest liability threat to be managed by your leaders.
An accident involving a busload of children can be devastating. Mending broken bodies, hearts, and lives is something no church wants to experience. Yet through carelessness, many families suffer just such a catastrophe.
However, the good news is that many accidents can be prevented by following some rules for the road.
Don't purchase or keep vehicles unless you can afford to maintain them in top mechanical condition.
Assign a reliable individual or team the responsibility to oversee the maintenance and vehicle operation policies of church and school vehicles.
Develop a written maintenance program for each vehicle and documented completion of scheduled maintenance work. Maintenance should be done by qualified mechanics.
Develop and enforce a written vehicle operation policy addressing such issues as driver eligibility (age, driving record, etc.), vehicle usage rules, and vehicle storage and security.
Equip your vehicles with every warning and safety device permitted by your state codes.
Make sure each passenger has a working seat belt.
Make sure all drivers comply with state laws, obtaining a commercial driver's license (CDL) when required. Generally, a CDL is required for operators of vehicles with a gross weight over 26,000 pounds or vehicles designed to transport more than 16 persons (including the driver).
Develop and enforce a rigid driver eligibility policy. Obtain records on all drivers before permitting them to operate a vehicle. Your church or school may be judged negligent for allowing someone with a poor driving record to operate the vehicle.
Never allow young, inexperienced drivers to operate your vehicles.
Instruct and train drivers how to operate large vehicles, perform pre-trip inspections, and use emergency highway safety equipment.
Familiarize drivers with routes that are new to them. Note unusual hazards such as speed zones and railroad crossings.
Obey traffic laws at all times.
Don't operate the vehicle when bad weather makes driving hazardous. It's better to postpone or delay the trip than run the risk.
For long trips, have a sufficient number of drivers to ensure that no one has to drive for more than a three-hour stretch.
If you plan to pull a trailer, make sure the driver is qualified and has experience in this type of operation.
Provide adult supervision when transporting children. Develop and enforce a code of conduct for passengers. Don't allow passengers to move about while the vehicle is in motion. Require that all passengers wear seat belts if they're available. Never exceed your vehicle's capacity limit.
Teach drivers how to manage the “critical moment” when children are entering or leaving a vehicle.
Young children should always be escorted across traffic when entering or leaving a vehicle.
Thank you for your interest in Brotherhood Mutual. We appreciate the opportunity to provide your church or other ministry with an insurance quote and will reply to your request as soon as possible.
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