Risk Management
A comprehensive approach to reducing losses, improving safety, and protecting your business.
Loss Control That Protects Your Business
Simple steps that reduce accidents, protect drivers, and control costs.
Strong safety practices help prevent avoidable losses, lower out‑of‑pocket expenses, and keep operations running smoothly. Our Loss Control Specialists bring over 30 years of trucking experience and work directly with insureds to identify risks, strengthen safety habits, and stay ahead of regulatory changes and new technology.
WHY SAFETY MATTERS
New!! The Value of Loss Control
Driver Training & Education with Luma Brighter Learning

A Modern Approach to Driver Training
We’ve partnered with Luma Brighter Learning to offer insureds access to an online driver‑training platform designed to improve operator performance and strengthen fleet safety. The goal is simple: reduce preventable losses and support long‑term cost stability.
Customizable Training ideal for managers and medium to large fleets
The Luma Emerge program provides fully customizable training modules across a wide range of topics. Safety managers can tailor content to address the specific needs, risks, and learning styles of their drivers, creating a more effective and targeted approach to training.
Flexible, Scalable, and Easy to Implement
Luma’s platform adapts to your workflow. Drivers can complete training at their own pace, while managers gain access to reporting tools that help track progress and reinforce safety expectations.
Exclusive Program Access
Click the “Learn More” for program details and a discount code your clients can use when enrolling.
Download: Luma Learning Flyer
CLAIMS AND INCIDENT RESPONSE FOR INSUREDS
Tools your insureds can use for reporting and documenting losses
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- Claim Report Flyer
- Get Information Flyer
- Get information flyer spanish: Folleto Informativo En Espanol
UNDERSTANDING YOUR EXPOSURE AFTER AN ACCIDENT (CALIFORNIA SPECIFIC)
Understand how fault, liability, and damages are assigned under California law.
New!! Understanding Your Exposure After An Accident
DRIVER SAFETY AND LOSS PREVENTION FOR INSUREDS
Practical safety materials designed to help reduce accidents and improve driver performance.
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- You Can Help Prevent Accidents
- You can Help Prevent Accidents spanish: Tu Puedes Ayudar A prevenir Loss Accidentes
- Adverse Weather Driving
- Cell Phone Liability
- Driving Techniques at Intersections
INDUSTRY INSIGHTS AND REPORTS
Market updates and industry trends to support client conversations.
Dash cams improve safety, support coaching, and provide critical evidence during claims.
Coming soon: Why Dash Cams Matter
DASH CAM VIDEOS FROM REAL CLAIMS
Aside from regular vehicle maintenance, installing a dashcam is one of the most effective ways to protect yourself on the road. In the event of an accident, dashcam footage provides clear, unbiased evidence of the scene. This can significantly speed up the claims process and help establish fault, protecting you from unwarranted liability.
With every accident determining fault is always key, and in some states like California, even a small percentage of perceived fault can contribute to a high(er) payout. This one investment can protect your driving record, reduce the chance of disputes, and has proven to help prevent fraudulent claims. Investing in your business with a cloud-based dashcam is an investment in your future.
Below are several examples of how dashcams provided key evidence and ultimately saved the insured from being at-fault.
VIDEO: A Pick up Clips Our Insured
- Scenario: A pickup attempts to pass on the left and clips our insured’s vehicle while changing lanes. Claims our insured was at fault.
- What the Dash Cam showed: The footage clearly captured the pickup moving into our insured’s lane and making contact — disproving the other driver’s claim that our insured caused the collision.
- Why It Matters: Without video, this would have been a classic word‑vs‑word situation, and liability could have easily been placed on our insured based on the other driver’s statement or police interpretation. The dash cam allowed us to successfully deny liability and protect our insured from an avoidable loss.
VIDEO: Truck Rolls Back into Our Insured
- Scenario: Traffic is at a standstill on the freeway when the truck ahead of our insured unexpectedly rolls backward and strikes our insured’s front grill.
- What the Dash Cam Showed: The footage clearly captured the other truck rolling back into our insured’s vehicle, confirming our driver was fully stopped and not at fault
- Why It Matters: Without video, this type of collision is often assumed to be the rear driver’s fault. The dash cam provided clear evidence of what actually happened, preventing liability from being incorrectly assigned to our insured.
VIDEO: Sedan Rear‑Ends an Insured’s Trailer
- Scenario: Our insured is backing up on a roadway when a sedan reverses out of a driveway and strikes the side of the insured’s trailer. The sedan’s driver later claimed our insured backed into them.
- What the Dash Cam Showed: The footage clearly captured the sedan reversing into the trailer, directly contradicting the other driver’s statement.
- Why It Matters: Without video, this could have easily been misinterpreted as our insured backing into the sedan. The dash cam provided clear evidence of what actually happened, preventing fault from being incorrectly assigned to our insured.
VIDEO: Compact Car Brake‑Checks Our Insured
- Scenario: Our insured is traveling on a two‑lane road separated by a double yellow line when a compact car illegally passes them. After cutting back in, the driver brakes hard while only a few feet in front of our insured. Despite braking and attempting to avoid the vehicle, the compact car brakes again, resulting in our insured making contact with the rear of the car.
- What the Dash Cam Showed: The footage clearly captured the illegal pass and the brake‑check behavior, confirming that the other driver created the hazard and caused the collision.
- Why It Matters: Rear‑end collisions are often assumed to be the fault of the trailing driver. Without video, liability could have easily been placed on our insured. The dash cam provided clear evidence of the other driver’s actions, allowing National Claims to deny liability.
