Business Auto & Fleet Insurance, for every vehicle you run.

Whether you run one company truck or a fleet of 40, commercial auto coverage is different from personal auto.

Schedule a Review All Business Coverages

Business Auto & Fleet Insurance

Using a personal policy for business use creates gaps that can leave you exposed after an accident.

Kain Carlson builds fleet programs for ND and MN businesses that match how you actually operate.

01, Owned Vehicles

Owned Vehicles

Company cars, trucks, vans, liability and physical damage coverage for every vehicle titled in the business name.

Learn More →02, Hired & Non-Owned

Hired & Non-Owned Auto

Employee-owned vehicles used for business errands and rental vehicles rented in the company name, gaps that surprise businesses after a claim.

Learn More →03, Fleet Management

Fleet Programs

Multiple vehicles, driver schedules, and DOT-regulated operators, structured fleet programs for businesses with significant vehicle exposure.

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What Fleet Coverage Includes

Commercial auto is one of the most frequently misunderstood coverage lines for small business owners. Personal auto policies explicitly exclude business use, and an accident in a company vehicle without proper commercial coverage can result in a denied claim and personal liability exposure. Kain Carlson reviews your vehicle use, driver exposure, and fleet structure to build coverage that actually protects you.

Liability Coverage

Bodily injury and property damage liability for accidents involving your company vehicles, protecting your business assets from third-party claims.

Physical Damage

Collision and comprehensive coverage for your owned vehicles, protecting the capital invested in your fleet from accidents, theft, and weather events.

Hired Auto

Covers vehicles your business rents or hires, rental trucks, leased delivery vehicles, and similar situations where the vehicle isn't owned by your business.

Non-Owned Auto

Covers your business liability when employees use their personal vehicles for work purposes.

Get Your Fleet Coverage Reviewed

Licensed in ND & MN · Based in Fargo

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