Working as a taxi driver carries some considerable measure of risk. Drivers work in an enclosed space, yet their working environment is constantly changing with every mile and every turn. Also, drivers work in extremely close proximity to the general public. Ultimately, being a taxi driver has unique on-the-job advantages and vulnerabilities. When both independent operators and managers of large fleets evaluate how to create safety policies and safeguard their operations with insurance, it's important to consider some of the top risk factors for taxi drivers.
Is Being a Taxi Driver Dangerous?
Compared to other occupations, working as a taxi driver is somewhat dangerous. According to a study conducted by the National Institute of Occupational Health and Safety that was published in the Journal of Occupational and Environmental Medicine
, taxi drivers faced a greater risk of assault or homicide than police officers between 2003 and 2013. The necessity of carrying a substantial amount of cash makes drivers a target for robberies and assaults.
What Is Dangerous About Taxi Drivers’ Working Environment?
Taxi drivers are in the unique situation of dealing with the general public in a setting that is not public. Within the confines of a taxi cab, there are generally no potential witnesses to a crime. A would-be thief would be likely to find a taxi driver to be a more appealing victim for a robbery than a person operating a store where there could be many potential witnesses. Taxi insurance providers generally assume a high degree of exposure to potential theft and assault. Taxi coverage
has to include protections that address the possibility of physical injury as well as stolen funds.
What Are Strategies for Mitigating Risk Exposure?
There are some key operational guidelines that may help minimize the degree of risk that drivers face when they head out on the road. For example, having a camera in the vehicle remediates the problem of being in an isolated space. Simply seeing a camera may dissuade a potential assailant from perpetrating a violent crime against a driver. Also, keeping the interior of a taxi well-lit improves visibility and can help to prevent an assault. In addition, having a way to quickly request emergency assistance can facilitate a rapid response in the event that a driver needs urgent help.
Ultimately, taxi drivers need to have keen situational awareness when they're working. Given the substantial risk that they take on over the course of a day's work, it's essential that taxi company operators work with an insurance company that understands their risk exposure and coverage needs. No matter the size and scope of a taxi company's operations, it needs to be conscientious about preventing dangerous situations and being prepared to deal with the aftermath of a serious incident.
About American Risk Management, Inc.
American Risk Management, Inc. (ARM), along with its predecessor entities, has provided public auto business owners with coverage for their vehicles and operations since 1938. We provide coverage to taxis, sedans, limousines, ride-sharing vehicles, sightseeing tours, courtesy shuttles, school shuttles, last-mile delivery, and couriers across the Washington, D.C. metro area. Our expertise and experience in the commercial transportation industry allow us to provide our clients solutions that fit their unique risk profiles. To learn more about what we can offer you, call us today at (202) 547-8700.