Fleet Insurance
Fleet insurance is commercial auto coverage arranged for multiple vehicles used by a business. All Assured Solutions helps Mid-Atlantic business owners review vehicles, drivers, liability limits and coverage gaps as the fleet grows.
Protect the vehicles and the business behind them
A fleet may include service vans, passenger vehicles, delivery trucks or other work vehicles. Review liability for covered accidents and whether collision, comprehensive and other physical damage protection is needed for each vehicle. Deductibles, vehicle values and financing requirements deserve a separate check.
Look beyond business-owned vehicles
Employees may use personal cars for errands, or the business may rent or borrow vehicles. Hired and non-owned auto exposures need review; they should not be assumed covered by a personal policy or a general liability policy. Discuss both the business’s liability and damage to vehicles it does not own.
Review drivers, operations and limits
Tell us who drives, where vehicles are garaged, the travel radius and what the business transports. Driver changes, interstate work, towing, delivery services and specialized equipment can affect the appropriate policy. We review uninsured or underinsured motorist and other available coverages in light of policy terms and state requirements.
Prepare for your fleet risk assessment
Bring a vehicle schedule with identification numbers and values, driver details, current policies, claims history and information about rentals or personal vehicles used for work. Include contracts, safety procedures and planned vehicle additions so the review reflects the next stage of the business.
Keep protection current as the fleet changes
We explain available solutions, limits and exclusions, then help identify changes that need to be reported. Coordinating auto coverage with umbrella, equipment and other business policies can reduce gaps between the road and the job site.
Related business protection
Start with a risk assessment
All Assured Solutions is a veteran-owned independent insurance and risk management agency serving Virginia, Maryland and Washington DC. We review your needs before comparing available carrier solutions.
Coverage, eligibility, availability and terms vary by carrier, policy and circumstances. This educational information is not a binder or guarantee of coverage. Review the policy and endorsements for exact terms.