Due to Tropical Storm Ian, a binding restriction is being put in place, effective today on all new policies, increases in limits or new locations added to existing policies for the perils of Named Windstorm and Flood. Please contact a Markel representative for more information regarding this binding restriction.
New business binding restrictions
Due to the wildfires in New Mexico and California, the ability to purchase or issue new insurance policies or increase coverage in affected areas may be limited. Please contact a Markel representative for more information regarding these restrictions.
Are drivers prohibited from operating a vehicle while under the influence of alcohol or drugs, including prescription drugs that can make them drowsy?
Are drivers prohibited from smoking, playing loud music, and wearing earphones?
Are drivers prohibited from leaving children unattended in a vehicle?
Are drivers required to make a daily physical inspection of the vehicle and record their findings in the Driver’s Vehicle Condition report?
Are vehicles equipped with reflective Danger signs (the triangle)? (In case of an on-road emergency, the driver can use these signs to alert other drivers of the situation.)
Does each vehicle have a radio, cell phone, or other communication device?
Does each vehicle have a fully stocked first-aid kit?
Does each vehicle have emergency identification and contact information for each child being transported?
Does the facility director approve each driver, and are only approved drivers allowed to operate vehicles?
Does the director keep all vehicle keys in one central location?
Do drivers always follow agreed-on routes, or get approval from the director to change them?
Are all passengers seated and secured, and do children use approved child-restraint devices or seatbelts?
Do drivers check to make sure all doors are properly closed and locked?
Do drivers make sure passengers do not put their heads, hands, arms, or other body parts outside the windows?
Do drivers prohibit horseplay and rowdy behavior?
If the vehicle can carry more than 6 passengers, is there an adult onboard who is trained in safety procedures and group management?
For child care centers, are there enough adults (not including the driver) to supervise the children and maintain the same adult-to-child ratio that is used at the center?
Do drivers always strictly obey all traffic laws?
Do drivers always check the oil, tire pressure, and battery when they buy gas?
Do drivers always leave vehicles in Park, with the emergency brake on?
Do drivers always shut off the motor before loading or unloading children?
If the driver can’t shut off the motor, is the vehicle equipped with flashing lights similar to a school bus to warn oncoming traffic that the vehicle is loading/unloading?
Is the vehicle air conditioned when the temperature is above 75˚F, and heated when the temperature is below 50˚F?
Are drivers instructed to call an authorized service station for flat tires and other on-the-road vehicle problems?
Does the facility replace its vehicles regularly?
If you use rented vehicles, are the drivers experienced in using the vehicle and approved by the director or other lead person in the organization?
If you use chartered buses, is the driver a professional provided by the bus owner or charter company?
Do drivers always check the vehicle before garaging to make sure no passengers, especially children, were left onboard?
If required to back up a large vehicle, is a spotter used to make sure backing up can be done safely?
This document is intended for general information purposes only, and should not be construed as advice or opinions on any specific facts or circumstances. The content of this document is made available on an “as is” basis, without warranty of any kind. This document can’t be assumed to contain every acceptable safety and compliance procedures or that additional procedures might not be appropriate under the circumstances. Markel does not guarantee that this information is or can be relied on for compliance with any law or regulation, assurance against preventable losses, or freedom from legal liability. This publication is not intended to be legal, underwriting, or any other type of professional advice. Persons requiring advice should consult an independent adviser. Markel does not guarantee any particular outcome and makes no commitment to update any information herein, or remove any items that are no longer accurate or complete. Furthermore, Markel does not assume any liability to any person or organization for loss or damage caused by or resulting from any reliance placed on that content.