Terrorism Insurance: Do You Need It for Your Property?
When it comes to protecting commercial property, terrorism insurance might not be the first thing on your mind, but it’s an important aspect to consider.
Truck drivers are the backbone of Australia’s economy, ensuring that goods are transported efficiently across the country. From construction materials to groceries, the work of our 200,000 truckies keeps everything moving.
However, they face significant risks. Fatalities in crashes involving heavy trucks, for example, increased more than 5% in the year to April-June; it was 12% up for deaths involving articulated truck crashes.
Truckies face several risks on the road, including:
Many of these risks could be minimised with proper safety measures and support. This article will focus on some of the main risks.
Fatigue is a leading cause of truck accidents. A recent study showed that about half of Australian truckies reported experiencing fatigue.
Despite regulations aimed at managing driving hours, it’s not always possible for drivers to find safe and adequate rest areas. Many rest stops are either full or occupied by non-truck drivers, making it difficult for truckies to take their mandated breaks. Fatigue isn’t just a personal health risk — it’s a danger to everyone on the road.
A world-first study on truckie fatigue found these factors are among those that increase the risk of drowsiness:
The state of Australia’s roads – they span more than 817,000kms – is another major concern for truck drivers, particularly since conditions vary wildly. Where there are poorly maintained roads, insufficient rest areas, and a lack of dedicated truck routes these add strain on truckies.
As well, many rural and regional roads are not designed for heavy vehicles, making driving more dangerous, particularly in bad weather. Despite this, the volume of road freight continues to increase with the e-commerce boom fuelling that.
There’s a real need for increased investment in infrastructure, even above the hefty allocations in the current federal budget. including the development of a comprehensive all-weather road network that supports the transport industry.
While driver fatigue and poor road conditions are critical issues, there are also systemic problems that make it hard to ensure safety.
Enforcement of safety regulations is often inconsistent, and non-truck drivers often don’t understand how to share the road with heavy vehicles. And those who call out trucking companies for non-compliance can find themselves in the hotseat, as Michael West Independent Media reports.
To improve the safety and wellbeing of truck drivers, several solutions are being implemented or considered this year across the country, including:
Another critical step is the stricter enforcement of existing safety laws. This includes monitoring driving hours more effectively and ensuring that vehicles are properly maintained. By holding companies and drivers accountable, we can reduce the risks associated with long-haul driving.
The National Heavy Vehicle Regulator reminds businesses, such as concreters, builders and other trades, that they too are heavy vehicle operators. Therefore they may be subject to the Chain of Responsibility regulations, under the heavy Vehicle National Law.
While these strategies address many safety concerns, comprehensive insurance coverage remains a crucial element of risk management for truck drivers and transport companies. From liability and vehicle insurance to health cover, the right policies provide protection against the many risks truckies face daily.
As your broker, we help fleet managers and drivers find coverage tailored to their needs, complementing other safety measures to keep drivers secure and businesses protected.
Article Supplied by OneAffiniti
Photo by Mediaphotos on Unsplash