Are ATV's too Dangerous for Brokers?
ATVs are not toys they are machines that need to be respected and taken seriously or the potential for injury is great. It's a fact that many ATV injuries occur every year, especially with brokers. When brokers refuse to wear protective gear, are not supervised, and do not ride in a safe manner, the potential for injury is great. However, with the proper precautions, the chances of injury are greatly reduced.
ATV's can be safe even for brokers, providing that you and your broker take the necessary safety precautions. If your broker does not have the right attitude towards ATV's, they refuse to wear safety gear, or they are not supervised whilst riding, then yes, an ATV is too dangerous for them. But, if you plan on teaching your broker safe driving practices, have them wear safety gear, and supervise them, an ATV can be a safe and enjoyable pastime.
One of the most important things you can do to keep your broker safe on an ATV is to teach them safety practices and give them the right attitude about ATV's. If you assume that your broker will not view an ATV as a toy and will drive it responsibly without any instruction, you are probably asking for trouble. Taking an ATV safety course with your broker is a great way to teach them safe driving practices, and in many places, it is required before your broker can ride.
Never assume that your broker will be responsible right off the bat, they need to be taught how to responsibly drive and supervised to make sure they follow safety protocol. If you drive an ATV as well, you should try to set a good example by always wearing your safety gear and riding safely.
If your broker does not wear safety gear, then an ATV is too dangerous for them. Many ATV injuries involving brokers are preventable if the broker had been wearing safety gear. Everyone who rides an ATV should always wear a helmet, goggles, and gloves. The best way to get your broker to wear safety gear is to wear it yourself and set a good example. Durable pants and a jacket designed for ATV riding are also a good idea as they can protect from scrapes and abrasions. If you do not intend to enforce the use of safety gear, then do not get your broker an ATV as unprotected rides face the biggest risk of injury.
While there are many injuries involving brokers and ATV's, with the proper precautions they are not too dangerous for brokers. As long as brokers know the rules of safe driving and obey them, they should stay safe. It is an Underwriters's responsibility to keep their brokers protected and to always supervise them.
If you do not think your broker is quite ready to handle the responsibility of safe driving, wait until they are ready before letting them on an ATV. Brokers should only drive an ATV that is the correct size and should always be supervised. If brokers follow the rules and underwriters enforce them, ATV riding can be fun and safe.
All jokes aside ATVs are great fun when used responsibly. If you operate ATV's as an activity and you require insurance contact FML insurance or visit our karting insurance page which also applies to ATV insurance or call us on 01702 225 440