Most commercial fleet insurance policies are designed to insure a minimum of five vehicles, and they can insure many times that if necessary. Policies for less than five vehicles are available, but they’re usually coded differently within the insurance industry and therefore considered a different type of policy.

What Coverages Are Available Through Commercial Fleet Insurance Policies?

Commercial fleet policies typically come with multiple coverages, which might protect against damage to vehicles, injuries and damage caused by accidents, and other risks. Some coverages that are commonly available through these policies include:

• Commercial Auto Liability Coverage: May cover injuries and property damage resulting from employee-caused accidents
• Medical Payments Coverage: May cover medical costs associated with injuries that people in company vehicles sustain during accidents
• Collision Coverage: May cover damage that insured vehicles sustain during accidents that involve two or more vehicles
• Comprehensive Coverage: May cover damage that insured vehicles sustain during incidents that don’t involve other vehicles
• Underinsured and Uninsured Motorist Coverage: May cover injuries and vehicle damage sustained during accidents that improperly insured drivers cause

Policies will often have coverage options in addition to these. An insurance agent who specializes in commercial fleet policies can help businesses explore all of the protections that are available to them.