Do I Need Commercial Fleet Insurance as a Small Business Owner?

July 17, 2019 Blog

If you talk to an accountant, they will tell you to keep your personal funds separate from your business. The same concept applies to insuring vehicles used for commercial purposes. For example, if you drive your private car to deliver flowers for your floral business and you are in an accident, your insurance company may not cover the damages. It doesn’t matter if you have one or one hundred, a commercial fleet policy should protect any car, truck, or van used in the course of your business operations.

Avoid having your claim denied because you have inadequate protection. The brokers at the Business Insurance Center work with a plethora of industries and understand the different needs a small business owner faces. We help you get the coverage you need with commercial fleet insurance quotes you can afford.

General Information on Commercial Fleet Insurance

State laws dictate the requirements of fleet insurance. However, they all have this in common – the coverage is different from personal insurance. Here are some other differences and tidbits you ought to keep in mind:

  1. There is no individual owner. That’s right. The listed owner on a fleet of vehicles must be the company, even if it’s a sole proprietor.
  2. The number of cars or trucks doesn’t matter. You can have one or one hundred vehicles. It’s how they are used that matters, not the quantity.
  3. Be sure you add new drivers immediately. The last thing you want to happen is to have a new employee get in an accident before you had a chance to add them to the policy. Anyone who drives a company vehicle should be added.
  4. You may need add-ons for equipment and personal items. The purpose of fleet coverage is for drivers and vehicles. It does not necessarily cover personal items, tools, and products being carried within the truck or car.
  5. Employees with good driving records help keep your premiums low. That’s right. The driving history of your employees can affect how much your rates will be.
  6. It’s critical to review and update your policies frequently. When you hire or lose drivers or add and remove trucks, let your insurance company know immediately. Keep in mind that changes often happen that your insurer needs to know.
  7. As your company expands, so should your protection. We all expect our businesses to grow continually. As yours does, you may need to raise liability limits.

Get a Commercial Fleet Insurance Quote from a Knowledgeable Brokerage

Don’t assume that your personal automobile insurance will cover damage from accidents for your business vehicles. Talk with an experienced broker at the Business Insurance Center and get a commercial fleet insurance quote today. Since the 1980s, we have worked with small business owners like you to ensure you have the coverage you need to keep operating at rates you can afford.

Request a quote online or call (888)-585-0511 and speak with a knowledgeable and experienced broker at the Business Insurance Center. We have a 24/7 call center to serve you and an online Live Chat operator. We serve the entire United States.


Insurance for commercial vehicles

Learn More


CYBER CRIME insurance policy

Learn More


RESTAURANT Insurance quotes

Learn More


Insurance for construction site

Learn More


CONDO ASSOCIATION Insurance quotes

Learn More


DAY CARE Insurance quotes

Learn More


Insurance for Farms

Learn More


SMALL BUSINESS Insurance specialists

Learn More


JANITORIAL insurance quotes

Learn More


Insurance for factory

Learn More


Workers compensation insurance quote

Learn More


Nursing Home insurance quotes

Learn More


Insurance quote for store

Learn More


Insurance for company directors and officers

Learn More


Insurance for manufacturing

Learn More

Business Insurance News

best insurance for daycare centers

Insurance for Daycare Centers 


September 01, 2022

Daycare insurance is designed to protect childcare providers from a variety of risks. This may include reimbursement for the financial consequences of liability claims and lawsuits. These policies also can cover damages resulting from injuries to children, employees, or third parties; property damage; and other potential liabilities. In addition, daycare insurance can provide coverage for …

Janitorial Insurance Cost & Coverage 2022


September 01, 2022

If you own a janitorial business, you know that th...

Insurance for Remediation Contractors


July 14, 2022

As a remediation contractor, you are tasked with c...


*Disclaimer: Insurance products are subject to terms and conditions, as well as exclusions that we cannot define on our website and blog. The content published here is only intended to provide you with an overview and general information about policies and products in the insurance industry. YOUR policy will carry details of the specific coverages, terms, conditions, limitations, exclusions. These will be governed by the underwriting guidelines applicable in your state.

If any policy provision is in conflict with the information provide on our website, blog or by any of our agents, kindly note that the policy language is controlling and supersedes all other sources. For more information, please contact your local office of The Nowell Agency.

Business Insurance Center is licensed to serve all of these states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY, Give us a call and let us show you why choosing Business Insurance Center is the right choice.

© Business Insurance Center Website & Marketing By Nuzu