Horace Mann strives to have a significant positive social impact as an insurance company and employer. Our safe driving portfolio of initiatives is building awareness of the risks of distracted driving and providing tools proven to change driving behaviors. Our investment strategy factors in environmental, social and governance considerations; our products and services, governance practices and data security policies are designed to protect customers; and we are strongly committed to diversity and inclusion, supporting and developing our talent, and giving back to our communities.

Responsible driving

We offer a number of programs for students and educators that encourage responsible driving and draw attention to the dangers of distracted driving. Driver distraction is a national epidemic, killing more than 3,000 people in motor vehicle crashes in 2017 alone. The National Highway Traffic Safety Administration (NHTSA) estimates approximately 660,000 drivers are using cellphones while driving at any given moment during daytime hours. NHTSA also reports drivers who are talking or texting while driving are three times more likely to be in an accident. Drivers can lose full attention on the road due to their cell phones, audio controls, eating, drinking, smoking or sometimes, simply talking to a passenger. However, many of us think we can successfully multitask while driving — and repeated studies show that most of us think we’re better than average drivers. Horace Mann’s responsible driving programs are designed to create awareness, encourage safe driving and prevent accidents. Our solutions include:

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HMDrive™ safe driving mobile app.

We began offering the HMDrive app in 2019 at no charge to anyone — not just Horace Mann customers — via the Apple and Google app stores. (A registration token provided by Horace Mann is required to use this app.) Once installed, the app runs in the background to provide personalized insights to each driver. Each trip is scored using a star rating, and trips over the previous two weeks are compiled into an overall score. Drivers improve their scores by avoiding risky behavior, such as speeding, hard braking and acceleration, aggressive cornering and cellphone use while driving. Drivers can use the app to compete with others and track their personal trends, streaks and achievements.

To encourage adoption, Horace Mann customers who download HMDrive and meet certain usage criteria obtain a premium credit on their auto insurance policy in approved states. In addition, we run seasonal contests that enable users of the HMDrive app to win prizes, further accelerating adoption of this powerful safe driving tool. The app has been proven to help make the roads safer for everyone driving. Users see an average reduction of 35% in phone distraction, 20% in hard braking, and 20% in speeding within the first 30 days of using the app, according to the developer’s data. More broadly, responsible driving saves lives, reduces carbon emissions and accidents, reduces the need for vehicle replacement parts, and sends fewer damaged vehicles and parts to landfills.

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Education for teenagers.

End Distracted Driving (EndDD.org) is a campaign of the Casey Feldman Foundation, a not-for-profit organization founded by Joel Feldman after his daughter Casey was killed by a distracted driver in 2009. Since 2017, Horace Mann has worked with EndDD.org to bring science-based presentations on distracted driving to high schools across the country. The presentations are given by Feldman or a Horace Mann representative trained by EndDD.org.

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Education for elementary and middle school students.

In 2019, Horace Mann began collaborating with EndDD.org and the Safe Roads Alliance to pilot the “Kids speaking up for road safety: A lesson on distracted driving” program for children in elementary and middle schools. The program includes turnkey classroom lesson plans, so regular or substitute teachers can teach children about the various types of driver distractions, how to recognize when a distraction can be a risk to their safety, and encourage children to act as safety ambassadors at home — including speaking up when they’re in a vehicle with a distracted driver. This program has been selected by NHTSA to evaluate the effectiveness of classroom intervention on distracted driving.

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Safe and sound.

Educators with a Horace Mann auto policy who are too tired to drive or don’t feel safe driving home can take advantage of our complimentary “safe and sound” policy endorsement and be reimbursed up to $35 for a ride-share driver or other transportation.