What are you doing right now to change your exposure to accidents?

This is one of the questions insurance companies look at each year as they evaluate your insurability.

In order for an insurance company to insure you, and for you to be profitable as a company, you must decrease your losses.  And there is only one way to affect change in this area … you must change driver performance.  And that comes down to training and accountability. 

Lessons from a risk manager on is