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Business Sense

Share Your Driving Data to Help Lower Business Auto Insurance Costs

EnRoute, a new program from Erie Insurance, makes it easy for business customers to share their driving data and thereby potentially lower business auto premiums and reduce driving risk.

EnRoute uses driving and vehicle data from vehicle-installed telematics devices and smartphone apps to help business owners recognize how choices, such as routes, driver actions and the types of vehicles driven, affect driving performance and safety. The program works with more than 40 telematics service providers and nearly a dozen telematics-enabled vehicle manufacturers.

“Crashes cost employers billions of dollars annually in medical care, lost productivity, legal expenses and property damage,” says ERIE’s Leo Heintz, vice president, Commercial Products. “By harnessing the power of telematics services, EnRoute delivers driving intelligence to help our customers protect their drivers, employees and businesses.”

On-the-job crashes and your bottom line

For many businesses, the most dangerous part of the workday is the time employees spend in their vehicles. In fact, the average car accident costs an employer $16,500, according to research conducted by OSHA. If an on-the-job crash results in an injury, the average cost to the driver’s employer is $74,000.1

Yet, fleets with active telematics programs experience up to 11 percent fewer losses from collisions, according to studies conducted by the Federal Motor Carrier Safety Administration.2

How EnRoute works to help lower insurance costs

You may be eligible to save up to 10 percent on your business auto insurance policy, if you have telematics devices installed on at least two-thirds of your commercial vehicles and a positive fleet or FAIR Score®.3

Similar to a financial credit score, the FAIR Score® allows you to see at a glance where your business stands on a driving risk index that compares fleets of similar type and territory. The FAIR Score is an overall risk ranking for the entire fleet that looks at vehicle characteristics and the driven environment, in addition to vehicle performance. Monitored weekly, with monthly trend reports, the FAIR Score lets managers put safety first and reduce risk.

With EnRoute, you’ll also have access to an easy-to-understand online portal that allows you to see which drivers are improving your score and which ones have room for improvement. Identifying and analyzing contextual driving risks may lead to better driving performance, a reduction in risky driving and improved driving safety.

If you don’t have telematics devices on your vehicles and you’re interested in this technology, you can purchase the devices from one of the EnRoute service providers.

How to get started

To get started with the program enrollment, contact your local ERIE agent or call EnRoute at 814-217-1919, Monday through Friday, from 8:30 a.m. to 5 p.m., Central time. More information is available at enroute-from-erie.

1Source: Guidelines for Employers to Reduce Crashes; US Occupational Safety and Health Administration, National Safety Administration and Network of Employers for Transportation Safety

2Source:“Study of the Impact of Telematics Systems on Safe and Fuel-Efficient Driving in Trucks,” 2014, and “Evaluating the Potential Safety Benefits of Electronics Logging Devises,” 2014, Federal Motor Carrier Safety Administration

3For additional details about how a FAIR score may affect your insurance premium, see the EnRoute participation agreement.

Harnessing the power of telematics services, EnRoute from Erie Insurance delivers driving intelligence to help business owners protect their employees. It may potentially lower business auto premiums too. /blog/enroute-services Erie Insurance