SAFR: LOWERING YOUR CLAIM FREQUENCY AND SEVERITY
Lower your claim frequency severity with SAFR - the easy-to-remember defensive driving method.
In commercial transportation, safety performance is often measured by what is visible - crash rates, incident reports, CSA scores, and compliance metrics. While these indicators are important, they only tell part of the story. Some of the most significant risks to fleet safety exist below the surface, like an invisible iceberg, embedded within operational systems long before an event occurs. These hidden risks, known as latent conditions, are especially impactful in operations involving both passenger and property carriers, where variability in routes, environments, schedules, and customer expectations can create constant pressure on drivers and the operational system that supports them. Latent conditions in transportation can take many forms. They may include the hiring speed of driver over operational fit, onboarding processes that fail to reflect real driving conditions, or routing expectations that do not align with traffic conditions, delivery windows, or customer demands. They can also stem from unclear expectations around defensive driving, inconsistent coaching, or a lack of alignment between safety and operational priorities. OSHA emphasizes using leading indicators to detect these indicators before harm occurs1. One of the most critical contributors to latent risk is the disconnect between work-as-imagined and work-as-done. From a policy standpoint, drivers are expected to follow clearly defined rules, procedures, and training standards. But in reality, they must constantly adapt to navigating traffic congestion, tight delivery schedules, unpredictable behaviors, weather conditions, and changing route demands. To meet these challenges, drivers may develop informal strategies and workarounds. In many cases, these adaptations are necessary and effective. In others, they introduce risk, often without visibility from leadership. Leading indicators focus attention on the effectiveness of safety activities, not just outcomes, helping organizations learn where the system is forcing adaptation. For example, a delivery schedule that appears reasonable on paper may require drivers to rush between stops. A route with tight turnaround times may limit opportunities for a rest break. Incentives tied heavily to on-time performance or productivity can unintentionally signal that efficiency is valued over safe execution. NHTSA’s behavioral safety research documents how time pressure, speeding, distraction and impairment shape driver choices and where countermeasures are effective2. Over time, these operational pressures accumulate and can result in a widening gap between expectations and reality that can increase the likelihood of incidents, even in organizations with strong policies and training programs. Companies should focus on designing operational systems that can withstand mistakes by drivers without resulting in crashes or injury. Design may include redundant checks, realistic scheduling, clear communication channels, and built-in safeguards. By shifting the emphasis from individual blame to resilient system design, organizations can better manage risk and create safer outcomes even under demanding operational conditions. Addressing latent conditions in transportation requires moving beyond compliance and taking a closer look at how operational systems truly function. This starts with evaluating how drivers are selected, trained, and supported. Does training reflect the real conditions drivers face across both passenger and property operations? OSHA’s guidance offers practical examples for building leading indicators around training quality, hazard controls, and core program elements1. Equally important is understanding the day-to-day experience of drivers. Ride-alongs, telematics insights, video review, and open dialogue can help uncover where workarounds exist and why. The National Safety Council’s Campbell Institute details how organizations can utilize learning-oriented leading metrics (participation, usability, local ownership) to surface and address risky drivers3. Ultimately, improving transportation safety is not just about reducing driver error, it is about strengthening the system that surrounds the driver. Findings from the Large Truck Crash Causation Study show that crash risk emerges from interactions among driver, vehicle, roadway, and environment, supporting a systematic approach, not a sole focus on individual error4. In fleet operations, what lies beneath the surface often matters most. Organizations that recognize and address these "invisible icebergs" move beyond reactive safety and build systems capable of delivering real, sustainable results. As OSHA states, "Leading indicators are proactive and preventive measures that can… reveal potential problems in a safety and health program"5. Sources: 1. Occupational Safety and Health Administration (OSHA). Using Leading Indicators to Improve Safety and Health Outcomes (OSHA 3970). Retrieved in March 2026. https://www.osha.gov/sites/default/files/publications/OSHA_LEADING_INDICATORS.pdf 2. National Highway Traffic Safety Administration (NHTSA). Behavioral Research (program hub). Ongoing. Retrieved in March 2026. https://www.nhtsa.gov/behavioral-research 3. National Safety Council / The Campbell Institute. Leading Indicators in Real‑World Applications: The Challenge of Safety Metrics. Retrieved in March 2026. https://www.thecampbellinstitute.org/wp-content/uploads/2025/10/1526850-NSC_Challenge-of-Safety-Metrics_Leading-Indicators-in-Real-World-Applications-1.pdf 4. Federal Motor Carrier Safety Administration (FMCSA). Large Truck Crash Causation Study (LTCCS). Retrieved in March 2026. https://www.fmcsa.dot.gov/research-and-analysis/research/large-truck-crash-causation-study 5. Occupational Safety and Health Administration (OSHA). Leading Indicators (overview page). Retrieved in March 2026. https://www.osha.gov/leading-indicators The information presented in this publication is intended to provide guidance and is not intended as a legal interpretation of any federal, state or local laws, rules or regulations applicable to your business. The loss prevention information provided is intended only to assist policyholders in the management of potential loss producing conditions involving their premises and/or operations based on generally accepted safe practices. In providing such information, National Interstate Insurance Company does not warrant that all potential hazards or conditions have been evaluated or can be controlled. It is not intended as an offer to write insurance for such conditions or exposures. The liability of National Interstate Insurance Company and its affiliated insurers is limited to the terms, limits and conditions of the insurance policies underwritten by any of them.
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Lower your claim frequency severity with SAFR - the easy-to-remember defensive driving method.
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