- What is it?
An alternative solution to commercial auto insurance for California businesses that have multiple vehicles to insure.
- Who’s it for?
Most California businesses that own multiple vehicles should consider commercial fleet insurance.
- What is offered?
- Commercial Auto Liability Coverage
- Medical Payments Coverage
- Collision Coverage
- Comprehensive Coverage:
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Fleet Insurance in California
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What is Fleet Insurance?
Businesses that own multiple vehicles generally need insurance for those vehicles, and purchasing individual policies is often both cumbersome and costly. Fleet insurance offers a much more pragmatic solution for California businesses that have multiple vehicles to insure.
Fleet insurance is specialized commercial auto insurance that’s useful when insuring multiple vehicles. These policies are like other commercial auto policies in many ways, except their coverages, limits and deductibles are normally combined together.
What California Businesses Should Carry Commercial Fleet Insurance?
Most California businesses that own multiple vehicles should consider commercial fleet insurance. Policies are available for a wide range of cars, vans, trucks and trailers, and this is usually the most practical way to insure multiple vehicles together.
How Many Vehicles Do Businesses Need to Purchase Commercial Fleet Insurance?
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.
What Are Symbol 1 and Symbol 7 Commercial Auto Policies?
Commercial auto policies are frequently identified by “symbols” within the insurance industry, and most policies are between Symbol 1 and Symbol 9. The identification refers to what vehicles a policy generally extends protections to.
Symbol 7 and Symbol a are two of the most common commercial fleet policies. Symbol 7 policies often restrict their coverages to a specific list of vehicles.S ymbol 1 policies normally extend coverage to any owned vehicles that employees would drive for work.
An agent who specializes in commercial fleet policies will be able to help businesses choose between a Symbol 7 and Symbol 1 policy.
How Much Are Premiums for Commercial Fleet Policies?
Premiums for commercial fleet policies are based on many factors, and the cost of policies thus varies. Some details that will likely impact premiums are the following:
- Number of vehicles being insured
- Value of the insured vehicles
- Classifications of the vehicles
- Weight of the vehicles
- Type of driving expected
- Business’ primary location
- Fleet’s primary location
- Chosen coverages, limits and deductibles
How Can California Businesses Get Fleet Insurance?
For help insuring multiple California-registered commercial vehicles, contact the independent insurance brokers at Truck Writer Insurance Services. Our brokers are well-versed in the different types of commercial auto insurance, and we have the expertise necessary to find commercial fleet insurance that will protect your business’s vehicles well. Because we’re an independent insurance agent, we can recommend the best policies regardless of what insurance company offers them.
How Can Business Owners Get Fleet Insurance?
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