A monthly safety report is the most underutilized tool in fleet management. Done well, it's your primary instrument for reducing accidents, documenting your safety program, and negotiating lower insurance. Done poorly — or not at all — it's a missed opportunity that costs you every renewal cycle.

45%
of fleets with dashcams cited decreased insurance claims as a primary benefit
Source: J.J. Keller Survey of 211 Fleets, 2023

The Five Metrics Every Safety Report Should Include

1. Risk Events Per 1,000 Miles

Your primary safety KPI. Normalize incident count by miles driven so you're comparing apples to apples across drivers, routes, and time periods. Track hard braking, speeding, distraction, and harsh cornering events — each per 1,000 miles. A fleet moving from 4.2 events/1,000 miles to 2.8 over 6 months tells a compelling story for any insurer.

2. Driver Safety Scores (0–100)

Individual driver scores ranked from highest to lowest. This surfaces your top performers and your highest-risk drivers. Research consistently shows that 15–20% of drivers represent 80% of fleet risk.Source: J.J. Keller, "The Payback of Using Dual-Facing Dashcams to Coach Drivers," 2023 Monthly scores let you track whether coaching is moving the needle for specific individuals.

3. Coaching Completion Rate

What percentage of flagged coaching conversations were completed that month? This matters legally as well as operationally. If a driver had a documented pattern of risky behavior that was never addressed, your liability exposure increases significantly if that driver is later involved in an accident. A 100% coaching completion rate is both operationally important and legally protective.

4. Accident Frequency Per Million Miles

At-fault accidents divided by total miles driven, expressed per million miles. This is the industry-standard benchmark your insurer uses to compare your fleet against others in their portfolio. Track it monthly and year-over-year. A downward trend is your most powerful tool at renewal.

5. Video Evidence Saves

Every incident where dashcam footage resolved a claim, exonerated a driver, or defended against a fraudulent accusation. A Samsara poll found that driver exonerations saved fleets between $5,000 and $25,000 per case on average.Source: American Transportation Research Institute (ATRI), April 2023 Document each case with a dollar-value estimate. This log has direct financial value.

Key Takeaway

Your safety report isn't just an internal document. It's what you bring to your insurance broker, your leadership team, and your legal defense. Build it like it will be reviewed by all three — because eventually, it will be.

Presenting to Leadership

Build a one-page executive summary: total events this month vs. last month, fleet safety score trend, top 3 and bottom 3 drivers by score, coaching completion rate, and year-to-date at-fault incident count. Put detail in an appendix. Frame everything around dollars: "Our risk events are down 31% since we started. Based on our historical accident rate, that translates to an estimated X accidents prevented at $74K–$148K each."

Presenting to Your Broker

Give your broker 90 days of data before renewal. Present: month-over-month risk event trends, driver score improvement chart, coaching completion rate, and video evidence save log with dollar estimates. Ask your broker to present this data directly to the underwriter. Fleets that actively present safety documentation consistently outperform those that simply submit it.Source: Geotab, "Do Dashcams Lower Insurance?" 2025

Sources

  1. J.J. Keller, "The Payback of Using Dual-Facing Dashcams to Coach Drivers," 2023. kellerencompass.com
  2. American Transportation Research Institute (ATRI), April 2023
  3. Geotab, "Do Dashcams Lower Insurance?" 2025. geotab.com