Business fleets
Fleet insurance for businesses with multiple vehicles
When your business runs a group of trucks, vans, or cars, insuring them one at a time gets hard to manage. Kaufman Insurance Group compares fleet insurance from multiple companies so your vehicles and drivers can sit on one commercial auto policy.
- One policy for your vehicles and drivers
- Help adding and removing vehicles as your fleet changes
- Certificates of insurance for customers and contracts
Personal & Commercial · Quick Quotes – Good Rates · Great Companies
As an independent agency, we compare fleet insurance from the companies we work with. The companies that can quote your fleet depend on your type of business, your vehicles and drivers, where you operate, and each company’s own rules.
These logos show some of the insurance companies Kaufman Insurance Group may be able to quote as an independent agency. Showing a logo does not mean the company endorses us. Which companies can offer you coverage depends on the type of insurance, where you live, and each company’s own rules.
The basics
What fleet insurance is
Most commercial auto policies can cover one vehicle or many. When a business runs multiple vehicles, the policy starts to work differently. The insurance company looks at the whole operation instead of each vehicle on its own, and your drivers, vehicle types, and safety habits all shape the price.
A fleet policy keeps your vehicles and drivers on one policy with one renewal date. That makes it easier to add a new truck, remove a sold van, or send a certificate to a customer.
If you run one or two work vehicles, start with our commercial auto insurance page. This page is for businesses that manage a group of vehicles and drivers.
One policy, many vehicles
Cars, pickups, vans, and box trucks on a single commercial auto policy.
Built around your drivers
Coverage and price reflect the people who drive for you and how they are managed.
Know what you are choosing
What a fleet policy can include
Coverage is built around your vehicles and how you use them. These are the main parts to compare.
Liability
Helps pay for injuries and property damage your vehicles or drivers cause to others, including legal defense.
Physical damage
Collision and comprehensive coverage to repair or replace your vehicles after a crash, theft, fire, or storm.
Uninsured motorist
Helps if your driver is hurt by a driver with little or no insurance, where the coverage applies.
Medical payments
Helps with medical costs for your driver and passengers after an accident, depending on the policy and state.
Hired and non-owned auto
Liability protection when employees drive their own cars or rented vehicles for your business.
Towing and rental
Options that help with towing and a replacement vehicle while one of yours is being repaired, depending on the company.
Is it right for you
Businesses that often need fleet coverage
If your business runs multiple vehicles and has more than one driver, a fleet policy is worth a look.
Contractors and trades
Plumbing, electrical, HVAC, roofing, and landscaping companies with trucks and vans at many job sites.
Service and delivery companies
Businesses that send technicians or deliver products to customers every day.
Mixed fleets
Companies that run a mix of cars, pickups, cargo vans, and box trucks.
Growing businesses
Companies adding vehicles and drivers that want coverage that can grow with them.
If you haul freight for hire under your own motor carrier authority, see our pages on owner-operator trucking insurance and hotshot trucking insurance.
Adding your third or fourth work vehicle? An agent can review how your policy should be set up.
Price and eligibility
What affects fleet insurance
Every company weighs these differently. Good records and clear driver rules can help your business stand out when companies review it.
Your drivers
Driving records, experience, and how you screen new drivers.
Your vehicles
Vehicle types, weights, values, and where they are parked overnight.
How you operate
What you carry, how far you travel, and the areas where you drive.
Claims history
Past claims, shown in loss runs from your current or past insurance company.
Safety practices
Written driver rules, vehicle maintenance records, and who may take vehicles home.
Limits and deductibles
The liability limits your contracts require and the deductibles you choose.
How Kaufman helps
How we help you insure your fleet
We are an independent agency, so we can compare fleet options from multiple companies instead of offering just one.
Send your fleet details
Share a vehicle list with VINs, a driver list, how the vehicles are used, and your recent loss runs.
We compare companies
An agent reviews fleet options from the companies we work with and explains limits, deductibles, and filings.
Keep it up to date
We help you add and remove vehicles and drivers, and we can issue certificates of insurance when you need them.
We focus on Ohio and North Carolina, and we can also help businesses in most other states. Ohio workers’ compensation comes from the Ohio Bureau of Workers’ Compensation, so it is not part of a fleet policy. If you have employees in other states, ask us about workers’ compensation there.
Common questions
Fleet insurance questions
What is the difference between commercial auto and fleet insurance?
Fleet insurance is commercial auto insurance written for a business with multiple vehicles. The coverages are the same kinds, but the insurance company looks at the whole operation, including all of your drivers, your vehicle types, and your safety practices. Our commercial auto insurance page covers the basics for one or two work vehicles.
How many vehicles do I need for a fleet policy?
It depends on the insurance company. Each company sets its own point where it treats a group of vehicles as a fleet. Tell us how many vehicles you run, and we can explain how the companies we work with would look at your business.
Can I add or remove vehicles during the policy term?
Yes. Most fleet policies let you add and remove vehicles and drivers during the term. Tell us about changes when they happen so your coverage and your certificates stay accurate.
Do all of my drivers need to be listed?
Most companies want a list of everyone who drives your vehicles, and they check driving records. A driver with a poor record can affect your price or eligibility, so it helps to share the full list up front.
What are loss runs, and why do you need them?
Loss runs are reports from your current or past insurance company that show your claims history. Companies use them to price a fleet. You can request them from your current insurer, and we can help you with that.
Does fleet insurance cover the tools and cargo in my vehicles?
A commercial auto policy covers the vehicles and your liability for driving them. Tools, equipment, and cargo usually need an added coverage or a separate policy, such as inland marine or motor truck cargo coverage. Ask us about the items you carry.
Related coverage
Coverage that works with fleet insurance
Commercial auto insurance
The basics of insuring work trucks, vans, and cars, from one vehicle up.
Explore commercial auto insuranceOwner-operator trucking insurance
Coverage for independent truckers leased on or running their own authority.
Explore owner-operator insuranceHotshot trucking insurance
Coverage for pickup and trailer hotshot haulers.
Explore hotshot insuranceGeneral liability insurance
Protection if your business is blamed for injuring someone or damaging their property.
Explore general liabilityCommercial insurance hub
See all the business insurance we can help with, from liability and property to vehicles and contractors.
Explore commercial insuranceShort-term rental insurance
Coverage for homes you rent by the night or week on Airbnb, VRBO, and similar sites.
Explore short-term rental insuranceReady to insure your fleet?
Start a fleet insurance quote online, or contact us with questions. An agent will help you compare your options.
Prefer to talk? Call (330) 486-8404.