Fleet Management Coverage
Fleet management coverage addresses the complexity of insuring multiple vehicles, multiple drivers, and potentially DOT-regulated commercial operations under one structured program.
Fleet Management Coverage
For businesses with significant vehicle exposure, a well-structured fleet program reduces both insurance cost and administrative burden.
What You Need to Know About Fleet Management Coverage
Multi-Vehicle Rating
Fleet policies rate on the entire vehicle schedule at once rather than one vehicle at a time. As the fleet grows or changes, the schedule is reviewed with you each year.
DOT Compliance
Businesses operating commercial motor vehicles subject to FMCSA regulation need coverage structured to meet DOT requirements, including specific liability minimums, filing requirements, and driver qualification documentation that a standard commercial auto policy may not address.
Driver Monitoring and MVR Review
Fleet programs benefit from formal driver qualification processes, MVR reviews at hire and annually. Drivers with serious violations can significantly increase fleet premiums; identifying and managing them proactively controls long-term program costs.