What types of vehicles can be covered under fleet insurance?

Complete Guide to Vehicle Types Covered Under Fleet Insurance

Why This Question Matters for Colorado and Utah Residents

Fleet coverage is central to protecting the vehicles that keep your business moving. In regions like Colorado and Utah—where unpredictable weather and diverse industries shape risk—knowing which vehicles are covered can mean the difference between seamless operations and costly business interruption.

• High Hail and Weather Exposure: Nearly 48% of fleet claims in Northern Colorado stem from hail and severe weather damage. Insuring all vehicle types—including specialty work vehicles built for agricultural or construction work—is critical for local resilience.
• State-Specific Regulations: Colorado’s strict database reporting and coverage minimums, as well as Utah’s commercial fleet rules, mean that eligibility and requirements can vary. Example: Trailers require special attention for compliance and full coverage.
• Complex Fleets, Real Savings: Whether managing vans, pickup trucks, utility vehicles, or a mix, combining them under fleet coverage streamlines admin, unlocks volume discounts (12–22% typical premium savings), and protects against the primary causes of business fleet loss in this region.

What Most People Get Wrong

Many business owners assume only standard passenger vehicles qualify, overlooking specialty vehicles or towed equipment often essential to their operation. Another misconception is that distant or non-owned trailers, or even unique vehicles like refrigerated trucks or tool-loaded vans, won’t be covered—or don’t need special consideration for hail, flood, or theft risks common in our area.

It’s also common to believe that basic liability meets all state requirements or protects the fleet as a whole. In truth, comprehensive protection is essential for operational continuity, especially in high-risk corridors like the I-25 in Colorado or urban hubs in Salt Lake City.

The Complete Picture

Fleet insurance in Colorado and Utah is designed for flexibility, allowing businesses to insure a diverse group of vehicles—including:

• Standard vehicles: Company cars, pickup trucks, SUVs
• Work vehicles: Vans (for deliveries or services), box trucks, flatbeds, dump trucks
• Specialty vehicles: Construction equipment, tow trucks, refrigerated vehicles, vehicles with custom upfits, farm/agriculture vehicles
• Trailers and attachments: Many policies allow coverage for towed trailers or implement trailers, critical for contractors, landscapers, and farms

The specific mix that qualifies will vary by insurer and policy, but most regional carriers in CO and UT allow mixed-use fleets under a single policy—especially when vehicles are registered to the business and centrally managed.

Given Colorado’s lead in weather-related fleet claims (hail events averaging $6,000/vehicle repair) and Utah’s blend of rural and urban operational risk, fleet policies often recommend hail endorsements, glass/windshield riders, and downtime protection for the broadest fleet types. Always review your schedule of vehicles and discuss specialized uses (like off-road or remote duty vehicles) with your local FoCoIns advisor to ensure every business vehicle is protected.

Making the Right Decision for Colorado and Utah Residents

Question 1: What types of vehicles are essential to my operation, and do they all qualify?

Take inventory of every vehicle used for business—from passenger cars and light-duty trucks to specialty vehicles like refrigerated vans or on-farm equipment.

• List registration types and ownership (business vs. personal name)
• Note any vehicles operating off-road, across state lines, or used for seasonal work

Share this with your agent for a custom eligibility review. Many insurers can add nearly any vehicle with a VIN, but unique uses (e.g., mobile workshops, agricultural trailers) may require specific endorsements.

Question 2: How does my region’s climate and risk profile affect my vehicle choices?

In Colorado, hail seasons and I-25 collisions make comprehensive and downtime coverage critical even for “non-essential” vehicles. Utah businesses near mountain passes or urban delivery routes need to consider snow/ice and theft risk for all fleet types.

Question 3: Am I protecting my business against the most common and most expensive fleet loss events?

Review claims data: Hail, collision, and theft comprise over 90% of local fleet claims. Ensure your coverage includes all vehicle types exposed to these risks, with appropriate physical damage, liability, and rental loss endorsements for business continuity.