Small Fleet Insurance
Small fleet insurance for businesses running multiple vehicles, placed by a licensed independent agency with 20+ years of experience through A-rated carriers.
Small Fleet Insurance in Short
Small fleet insurance, also searched as small business fleet insurance, is for businesses that have moved beyond one vehicle and need a cleaner way to manage coverage. One policy can keep the fleet together instead of leaving you to track separate renewal dates and paperwork. We shop A-rated carriers, and quotes can come back in as little as 72 hours.
Who Small Business Fleet Insurance Is For
This page is for multi-vehicle businesses that need fleet coverage without being a large operation. That includes situations like:
- A shuttle or delivery company running several vans
- A security company with multiple patrol vehicles
- A contractor operating trucks and work vans
- A growing business that has added vehicles and wants one insurance setup
If you already operate two or more vehicles, we can review the fleet and tell you on the first call if we're the right fit. Mid-size fleets of 11 to 50 vehicles and large fleets above that are handled the same way, just with more detail up front.
What a Small Fleet Policy Includes
Commercial auto liability
The required core; covers injury and property damage your vehicles cause.
Physical damage
Repairs or replaces your own vehicles after a covered loss.
Hired & non-owned auto
Covers rentals and employee vehicles used for the business.
You need to know what you're being offered and what changes if you leave it out. A licensed agent walks through that before you bind.
What Affects the Price
A few things move small fleet premiums more than anything else: the types of vehicles, your drivers' records, where and how far you operate, your claims history, and the coverage limits you choose. We can't quote a real number without those details. Once we have them, we compare A-rated carriers and show you what's driving the price.
How It Works
- 1Tell us about your fleet.
- 2We shop A-rated carriers.
- 3We present the options for you to review.
- 4You decide what to bind and we hand you the certificates.
What Fleet Owners Say
Named clients include On Time Delivery and Guard Security. No quote is published without approval.
Small Fleet Insurance FAQs
How many vehicles count as a small fleet?
We work with fleets from 2 to 100+ vehicles. This page is built for the smaller end of that range, where a business already has multiple vehicles and needs fleet coverage.
Can I start with two vehicles and add more later?
If you operate two vehicles today and expect the fleet to change, tell the licensed agent what you're running now. The policy can be reviewed as the business adds or removes vehicles.
Related: Commercial fleet insurance · Van fleet insurance
Cover Your Small Fleet Under One Policy
Start before your renewal or certificate deadline. Nothing changes until you choose to bind.
Licensed in California, Nevada, Texas, Arizona, and Florida, with additional state licenses in progress. Nevada License #17116002. If your fleet is garaged in another state, ask us; we can often place coverage or point you to the right market.