Considerations for insurers and transport risk programs
Across its three guides, Gallagher identifies fatigue, inattention, distraction, and speed selection as interconnected human‑factor issues that influence loss patterns, compliance exposure, and insurability in the heavy vehicle market. The guidance sets out areas that insurers, brokers, and operators can review in risk discussions, including fatigue and distraction policies, roster and route design, use of National Heavy Vehicle Accreditation Scheme fatigue pathways, routine analysis of electronic work diary and telematics information, access to driver health and wellbeing programs, targeted training on judgement and decision‑making, and documented CoR processes and audits.