Understanding Your Home Insurance Options
FAQs
Coverage can include cars, trucks, vans, specialty vehicles, and sometimes trailers, depending on the policy and carrier.
Non-owned auto coverage can extend to personal vehicles used for business, but specific endorsements may be needed.
A comprehensive policy covering multiple business vehicles under one policy, including liability, physical damage, and specialized coverages.
Requirements vary by insurer, but typically a minimum of 3-5 vehicles is needed for fleet coverage. Some carriers may require more.
Claims typically go through a dedicated fleet claims team, often with specialized procedures for commercial vehicles.
Vehicle types, driver records, coverage limits, deductibles, safety programs, claims history, and geographic operation area impact costs.
Fleet coverage offers streamlined management, potentially lower per-vehicle costs, and consistent coverage across all vehicles.
GPS tracking, dash cams, telematics, driver training programs, and safety policies can qualify for premium discounts.
Thorough driver screening and MVR checks can lower premiums. Many insurers require minimum driver standards.
It covers vehicles your business rents or leases temporarily, extending your fleet coverage to these temporary additions.
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