Commercial Fleet Insurance
Commercial fleet insurance brings multiple business vehicles and drivers into a coordinated program. For trucking and delivery companies, the goal is to match liability, cargo, physical damage and supporting coverages to the fleet’s equipment, routes, contracts and safety controls.
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Coverage considerations
Fleet auto liability
Can cover scheduled vehicles for eligible third-party bodily injury and property damage claims, with limits aligned to operations and contracts.
Physical damage
Can cover scheduled power units and trailers for eligible collision and comprehensive losses, subject to values and deductibles.
Motor truck cargo
Can cover eligible customer property in transit, with commodity, limit, deductible and security provisions tailored to the fleet.
Supporting coverages
General liability, trailer interchange, hired/non-owned auto, towing, rental reimbursement and other options may be considered based on the operation.
Who may need this coverage?
- Trucking companies adding multiple power units
- Delivery and logistics fleets
- Contractors with company-owned vehicles
- Owner-operators transitioning into fleet operations
- Businesses seeking coordinated certificates and renewals
Common eligibility and underwriting factors
- Fleet size, vehicle types and replacement values
- Driver hiring, MVR and training controls
- Mileage, routes, states and commodities
- Loss frequency, severity and corrective actions
- Maintenance, telematics and dash-camera programs
- Contracts, filings and requested limits
Information commonly requested
- Complete driver and vehicle schedules
- DOT/MC and authority information when applicable
- Current policies and three to five years of loss runs when available
- Safety program and driver-hiring procedures
- Commodity, radius and mileage details
- Contracts and certificate requirements
Frequently asked questions
How many vehicles make a commercial fleet?
Carrier definitions vary. Some programs begin with a small number of vehicles, while others require larger schedules.
Can different truck types be insured together?
Often they can, but eligibility depends on ownership, use, radius, commodities and carrier guidelines.
How can a fleet improve its insurance submission?
Accurate schedules, complete loss runs, documented safety controls and clear corrective actions help underwriters evaluate the risk.
Does fleet insurance guarantee lower pricing?
No. Pricing depends on the total risk, limits, losses, drivers, equipment and current insurance market.
