Gulfshore Insurance > Gulfshore Blog > Commercial Risk Management > Information Regarding Motor Vehicle Reports: Know Who is Driving on Company Business

Commercial Lines Motor Vehicle Reports Know Who is Driving on Company BusinessMotor Vehicle Reports (MVRs) have become a critical component to a complete fleet safety program, and are used for protecting a company against litigation following an accident.

When an insurance company runs an MVR check, they will not share the results of that check with the insurance agent, or the employer. They will tell you if the employee is excluded from the auto policy, or not. Just because an employee is “insurable,” does not absolve an employer from any negligent entrustment or other liability for an employee’s acts behind the wheel.

The American National Standard (ANSI) Zl5.l-2006, Section 5.1.3 states: Organizations shall perform applicant background checks, including state motor vehicle record (MVR) checks and reference checks with previous employers in accordance with applicable privacy laws. Organizations shall have a written policy as to what would disqualify an applicant. Organizations shall establish a program for periodically performing and reviewing each driver’s state MVR, to assure that the driver remains qualified.

Here are a few reputable MVR resources to order Motor Vehicle Reports. Please contact each company to obtain current pricing and mention that you are a Gulfshore Insurance client in order to receive a discounted rate.

Insurance Information Exchange

Florida MVR

Samba Safety

For your reference, below are some common areas of concern:

  • Drivers with less than 5 years of driving experience
  • Driving while intoxicated
  • Reckless driving
  • Driving with a suspended license
  • Speed in excess of 20 MPH over the posted speed limit
  • Drivers with more than 3 moving violations


Dave Wissel is a Client Advisor and Partner at Gulfshore Insurance who specializes in construction, landscaping, and the oil and petroleum industries. Comments and questions are welcome at

Gulfshore Insurance is a Naples, Florida based insurance agency specializing in business insurance including liability insurance, property insurance, workers compensation insurance, vehicle insurance, business income interruption insurance, cyber insurance, commercial umbrella insurance, and more. Our insurance and risk management advisors are industry specialists for condominium associations, golf and country clubs, oil and petroleum marketers, construction, landscaping, churches and non-profits, and work comp. Navigating insurance requires an experienced and trusted insurance agent who understands your business risks and exposures. Gulfshore Insurance services Naples, North Naples, Marco Island, Bonita Springs, Fort Myers, Sarasota, Lido Beach, Longboat Key, Bradenton Beach, and Southwest Florida. We have office locations in Naples, Fort Myers, Fort Lauderdale, and Sarasota.