Dealerships carry specialized insurance to cover risks unique to the auto business, including coverage for vehicles in your care, on your lot, and on the road. Insurance carriers pay close attention to who you hire, especially people who drive.
Why insurers care about screening
Insurers price risk based on the likelihood of claims. Employees with poor driving records, substance use problems, or histories of dishonesty increase that likelihood. A dealership that screens carefully presents a lower risk.
Common insurer expectations
Depending on your carrier, you may be asked to:
- Run motor vehicle reports on employees who drive
- Meet specific driving record standards for drivers
- Maintain a written drug and alcohol policy
- Conduct post-accident testing
- Keep documentation of screening results
Check your policy and talk with your agent about specific requirements.
Screening can support better outcomes
A strong screening program may help your dealership:
- Reduce accidents involving customer and inventory vehicles
- Reduce workers’ compensation claims in the service department
- Support claim defense with documentation
- Show underwriters that you actively manage risk
In some states, drug-free workplace programs that meet certain requirements may qualify employers for workers’ compensation benefits or premium incentives. Ask your agent what applies in your state.
Document everything
Keep records of your policy, employee acknowledgments, test results, MVRs, and background checks in secure, confidential files. Good documentation supports both your insurance program and your legal defense.
Work with your agent and your screening provider
Your insurance agent can explain what your carrier expects. Your screening provider can help you meet those expectations efficiently.
Elite Services supports dealerships
Elite Services Workplace Screening provides drug testing, alcohol testing, motor vehicle reports, and background searches for dealerships nationwide. We help you build a program that supports safety and your insurance goals.
Ready to protect your workplace? Elite Services Workplace Screening provides nationwide drug testing, DOT compliance, background searches, MVRs, and E-Verify. Call 888-738-9297 or contact us online to get started.
This article is for general information only and is not legal advice. Laws and regulations change; consult qualified counsel about your specific situation.