Once you have 2–10 commercial vehicles, insuring them individually is inefficient and expensive. Small fleet insurance consolidates all your vehicles under one policy with one renewal date, one deductible structure, and — most importantly — fleet discounts that reduce your per-vehicle cost. Our agency builds fleet programs for small operators ready to move beyond single-vehicle policies.
Any business with 2–10 commercial vehicles: delivery companies, contractor operations, HVAC/plumbing/electrical businesses, mobile service companies, catering operations, and any growing business where managing individual vehicle policies has become unwieldy.
Most carriers offer fleet programs starting at 2–3 vehicles. The savings increase significantly at 5+ vehicles. Even if you have just 2 commercial vehicles, consolidating under one policy simplifies management and may reduce total cost.
Yes. Fleet policies can include box trucks, cargo vans, pickup trucks, sedans, and SUVs — all under one policy. This is ideal for businesses with diverse vehicle needs (e.g., a contractor with pickups and a box truck).
Fleet discounts typically save 10–25% compared to insuring vehicles individually. The exact savings depend on fleet size, vehicle types, driver records, and claims history. We quote both individual and fleet options so you can see the difference.
We process a mid-term endorsement to add the vehicle immediately. Most carriers provide automatic coverage for newly acquired vehicles for 30 days, giving you time to add it formally. No need to buy a separate policy.
Get a free quote or call (321) 206-8035.