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Only around 20% of organizations believe they have achieved a sustainable safety culture, according to ISN.

During the past decade, claims by first-year employees have increased, according to Selective Insurance.

More than 40% of surveyed motorists said they take work-related calls, texts or emails while driving.

Getting ahead of market trends will help maintain stable, cost-effective workers' comp programs.

The worker was allowed to use the vehicle to and from work as well as for incidental personal trips on the way to the job.

Cost is one of several factors that may impact whether a car, truck or motorcycle owner decides to buy business-use auto insurance.