What is Fleet Insurance and How is it Different from Commercial Auto? 

If your Indianapolis business relies on vehicles, whether it’s two vans or 20 trucks, you need the right insurance to stay protected on the road. Fleet insurance is designed for businesses that operate multiple vehicles, providing a streamlined way to cover them under one policy.

What is Fleet Insurance?

Fleet insurance is a commercial vehicle policy that covers multiple vehicles under a single, comprehensive plan. It’s ideal for companies that manage several cars, trucks, vans or specialty vehicles.

Key features of this coverage include the following:

• One policy for multiple vehicles

• Simplified management with consistent coverage across your fleet

• Potential discounts for insuring multiple vehicles together

• Flexibility to add or remove vehicles as your fleet changes

Fleet policies often require a minimum number of vehicles, usually around five, but that can vary by insurer.

How Does This Coverage Differ from Commercial Auto Insurance?

While both policies cover vehicle liability, collision, comprehensive and more, here’s how they differ:

• Commercial auto is typically used for individual business vehicles, such as a single delivery van or contractor’s truck.

• Fleet insurance is used when you have multiple vehicles and want unified coverage and easier management.

• Fleet insurance may offer broader coverage terms and more cost-effective options for growing businesses.

Which One is Right for Your Business?

If you operate just a few vehicles, commercial auto may be sufficient. But if you’re expanding or already manage several business vehicles, fleet insurance can save time, reduce paperwork and provide better flexibility. Contact us today for a custom quote to make sure your vehicles—and your business—stay protected on every route.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.