How many vehicles do I need for fleet insurance?

Most carriers offer fleet pricing starting at 3-5 vehicles, though some programs begin at just 2 vehicles. We review your specific situation to find the best structure and discounts.

Can I mix personal and business use on fleet vehicles?

Yes, with the right endorsements. We can structure policies to cover both business and limited personal use for company vehicles assigned to employees.

What happens if an employee has an accident in a company vehicle?

Your commercial auto policy covers the accident. We recommend also verifying that employees carry personal auto coverage as a secondary layer and implementing a driver qualification program.

How much does fleet insurance cost per vehicle?

Fleet rates vary by vehicle type, driver records, and usage. On average, fleet insurance costs 10-25% less per vehicle than individual commercial policies due to volume discounts.

Multi-Vehicle Business Coverage

Fleet & Commercial Auto Insurance

Businesses with multiple vehicles face complex insurance needs. Whether you run a fleet of service vans, delivery trucks, work pickups, or a combination of vehicle types, our fleet insurance programs provide coordinated liability, physical damage, and driver coverage across your entire operation. Fleet discounts, DOT compliance assistance, and centralized certificate management make us the partner growing businesses need.

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What Coverage May Include

Coverage For Fleet & Commercial Auto

Every policy we write for fleet & commercial auto includes these core protections, customized to your specific operation.

Primary Auto Liability

covers bodily injury and property damage caused by any vehicle in your fleet during business operations

Physical Damage

collision and comprehensive coverage for every vehicle in your fleet, from sedans to box trucks

Hired & Non-Owned Auto

covers vehicles your business rents, leases, or uses through employee personal vehicles for business purposes

Uninsured Motorist

protects your drivers and vehicles when an uninsured driver causes an accident involving your fleet vehicle

Medical Payments

covers medical expenses for your drivers and passengers injured in fleet vehicle accidents regardless of fault

Fleet Management Endorsements

includes GPS tracking discounts, driver safety program incentives, and telematics-based rate reductions

The Independent Advantage

Why Fleet & Commercial Auto Choose Us

Fleet Discount Programs

We negotiate multi-vehicle discounts that reduce your per-vehicle premium as your fleet grows. Adding vehicles often costs less than insuring them individually.

Mixed Fleet Coordination

Whether your fleet includes sedans, vans, box trucks, or heavy equipment, we coordinate coverage types and limits under one centralized policy for easier management.

Driver Monitoring & Safety

We help implement telematics and driver safety programs that lower your rates through proven risk reduction and safer driving records across your team.

Ready to Get Covered?

We compare rates from 30+ A-rated carriers to find the best coverage at the most competitive price for your fleet & commercial auto operation.

Call (205) 352-2335

Common Questions

Frequently Asked Questions

Get Fleet Insurance Today

Multi-vehicle commercial coverage with fleet discounts across Alabama, Georgia, Florida, Tennessee, Mississippi & Texas.

Call (205) 352-2335