Fleet Insurance

Five vehicles or fifty — one policy, one renewal, one rate.

Once a business runs several vehicles, insuring them individually wastes money and administration. A fleet policy covers them together — one renewal, blanket coverage for additions, and rating that reflects the fleet's overall record rather than each driver's.

We arrange fleets from five units up, cars to trucks to mixed operations, with driver-management practices priced into the rate.

What's covered

All owned and leased vehicles under one policy
Automatic coverage for newly added units
Any-authorized-driver flexibility
Physical damage, liability, and accident benefits fleet-wide
Non-owned auto liability for employee vehicles on business use
Telematics-informed rating where it helps you

Good to know

Frequently asked questions

How many vehicles make a fleet?: Most insurers offer fleet rating from five units, with full fleet-experience rating at larger counts. Below that, multi-vehicle commercial policies still consolidate the paperwork — we'll structure whichever fits.
Do I need to list every driver on a fleet policy?: Larger fleets are usually written on an any-authorized-driver basis backed by your screening program — licence checks and abstracts. Your hiring discipline effectively becomes part of the policy.
Does fleet insurance cover employees using their own cars for work?: That's non-owned auto liability — it protects the business when an employee's personal-vehicle accident on company business draws the company into the claim. Every fleet program should include it.

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What's covered

All owned and leased vehicles under one policy

Automatic coverage for newly added units

Any-authorized-driver flexibility

Physical damage, liability, and accident benefits fleet-wide

Non-owned auto liability for employee vehicles on business use

Telematics-informed rating where it helps you

Frequently asked questions

How many vehicles make a fleet?

Most insurers offer fleet rating from five units, with full fleet-experience rating at larger counts. Below that, multi-vehicle commercial policies still consolidate the paperwork — we'll structure whichever fits.

Do I need to list every driver on a fleet policy?

Larger fleets are usually written on an any-authorized-driver basis backed by your screening program — licence checks and abstracts. Your hiring discipline effectively becomes part of the policy.

Does fleet insurance cover employees using their own cars for work?

That's non-owned auto liability — it protects the business when an employee's personal-vehicle accident on company business draws the company into the claim. Every fleet program should include it.