Fleet · Brokerage

For Business Vehicle Fleets

Fleet Insurance for Business Vehicles.

Insuring each vehicle separately means separate policies, separate renewal dates, separate brokers, and separate COI requests every time a shipper or client asks for proof of coverage. Fleet insurance consolidates all of that under one policy, one renewal, and one submission. For most operations, it also costs less per unit than individual coverage.

Admitted · Specialty · E&S

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COIs in Under 2 Minutes

What Fleet Insurance Covers

A fleet policy carries the same core coverage lines as a standard commercial auto policy, applied across every unit in your fleet. Here’s how it breaks down:

01

Auto liability

What it protects

Third-party bodily injury and property damage from an at-fault accident

Notes

Required in every state; limits vary by state and vehicle class

02

Collision

What it protects

Your vehicles after a collision with another vehicle or object

Notes

Can be written as blanket limit or scheduled per unit

03

Comprehensive

What it protects

Non-collision damage: theft, fire, vandalism, weather

Notes

Same blanket vs scheduled choice as collision

04

Uninsured/underinsured motorist (UM/UIM)

What it protects

Your costs when an at-fault third party has no coverage or insufficient coverage

Notes

Required in some states; recommended in all

05

Medical payments (MedPay)

What it protects

Medical bills for drivers and passengers after an accident, regardless of fault

Notes

Availability varies by state

06

Hired and non-owned auto (HNOA)

What it protects

Liability when employees use personal or rented vehicles for business

Notes

Endorsement on the fleet policy; does not cover physical damage to the employee's vehicle

The HNOA inclusion is worth calling out. Most fleet operators have employees who occasionally use personal vehicles for business tasks: picking up supplies, running to a client site, covering a route when a company vehicle is down. Their personal auto policy excludes business use. Your fleet policy doesn’t automatically follow them either. Hired and non-owned auto coverage closes that gap and is typically added as an endorsement to your fleet policy rather than a separate product. For transport fleets carrying freight, cargo coverage sits outside the commercial auto policy. Cargo coverage for transport fleets is a separate line that protects the goods in transit, not the vehicles carrying them.

Fleet Rating

How Fleet Rating Works

Fleet rating is a different underwriting model from individually scheduled vehicle policies, and the differences matter. With individual policies, each vehicle is rated on its own merits. Swap a vehicle, add a driver, or change a use classification, and you’re updating individual policies one at a time. Fleet rating prices the whole operation as a risk unit, which simplifies administration and gives underwriters a more complete picture of your risk profile. The two structural decisions that shape a fleet program are physical damage structure and driver scheduling.

Structure

Blanket vs Scheduled Physical Damage

Individual policies assign a stated value to each vehicle and price physical damage accordingly. Fleet policies can use either scheduled values (per unit) or a blanket limit that applies across the fleet. Blanket limits work well for fleets where vehicles are similar in value and turn over regularly. Scheduled values make more sense when you have high-value equipment that needs specific coverage attention. As your fleet grows, blanket limits reduce the admin burden significantly.

Reduces admin burden as fleet grows

Drivers

Any-Driver vs Named-Driver Policies

Named-driver policies list specific individuals and price based on their MVR history. Any-driver policies cover whoever is behind the wheel of a fleet vehicle, subject to minimum qualification standards (age, CDL, MVR thresholds). Any-driver coverage is more flexible for operations with driver turnover or shared vehicles, but it typically costs more because the carrier is rating on the fleet’s overall driver profile rather than specific individuals. Most carriers will require MVR pulls for all regularly scheduled drivers at the time of submission regardless of which structure you choose.

One bad MVR affects the whole fleet

One driver with a significant MVR issue can affect the whole fleet’s rate. That’s not a reason to avoid fleet rating; it’s a reason to run MVR checks as part of your hiring process and monitor driver records between renewals. Carriers reward documented driver management programs. Those that can show consistent MVR monitoring, written hiring standards, and driver training records tend to get better pricing at renewal than those that can’t.

What Qualifies as a Fleet?

The threshold varies by carrier. Some write fleet policies starting at two vehicles. Others require five or more before applying fleet rating. In practice, what matters is less the label and more whether the carrier will schedule all your vehicles on one policy with unified terms.

Most carriers will accommodate mixed fleets, meaning a combination of vehicle classes under one policy: delivery vans alongside pickup trucks, box trucks alongside passenger vehicles, light-duty alongside medium-duty. Where it gets complicated is when the mix includes Class 8 trucks or vehicles requiring FMCSA filings alongside lighter units. Some carriers prefer homogeneous fleets and will decline to write heavy trucking units on the same policy as light commercial vehicles. For fleets with heavy vehicles, Rosella often structures a split program: a fleet policy for the lighter units and a separate trucking program for the Class 6, 7, and 8 units.

Adding and removing vehicles mid-term is handled via endorsement. You’re not starting a new policy every time a unit turns over; you’re updating the schedule on an existing one. That’s one of the administrative advantages that makes fleet rating attractive as your operation scales.

Fleet Insurance Cost

Fleet insurance typically costs 10% to 20% less per unit than insuring each vehicle separately, according to industry data from multiple commercial insurance sources. The savings come from volume pricing, consolidated administration, and the carrier’s ability to assess risk across the whole fleet rather than vehicle by vehicle. Per-unit ranges vary significantly by vehicle class and operation type:

01

Light-duty (cars, vans, pickups)

Typical annual cost per unit

$1,200 to $3,000 per vehicle

02

Delivery and cargo vans (medium duty)

Typical annual cost per unit

$1,800 to $4,000 per vehicle

03

Box trucks and straight trucks

Typical annual cost per unit

$5,000 to $12,000 per truck

04

Heavy trucking (Class 8, own authority)

Typical annual cost per unit

$12,000 to $25,000+ per truck

Sources: industry data from commercial insurance benchmarks. Actual premiums depend on your specific operation, driver history, location, and carrier market at time of submission.

Cost Factors

What Drives Your Fleet Rate

The factors that move your fleet rate:

01

Fleet Size

Larger fleets typically get better per-unit pricing. Volume discounts compound as you cross thresholds, generally at 5, 10, and 20 units. Small fleets of 2 to 5 vehicles are often priced similarly to individual policies until loss history and driver documentation create a track record worth crediting.

02

Vehicle Class and Value

Heavier vehicles cost more to insure. Physical damage pricing is a function of stated value, typically 3% to 6% annually. A fleet of $50,000 vans prices very differently from a fleet of $120,000 tractors.

03

Driver History and MVR Quality

Every driver in the fleet contributes to the risk profile. A fleet with clean MVRs across the board has real leverage at renewal. One driver with a recent at-fault accident or major violation offsets that leverage fast.

04

Annual Mileage and Operating Radius

High-mileage fleets and those covering longer radii face more exposure per unit. Local delivery fleets in a 50-mile radius price differently from regional operations running multi-state routes.

05

Garaging Location

Urban garaging adds to physical damage and liability rates due to traffic density, theft rates, and claims frequency. Where your vehicles sit overnight matters to underwriters.

06

Loss History

Three to five years of loss runs tell the carrier what your fleet actually costs to insure. Clean loss runs give you leverage. Frequent small claims, even minor ones, signal a pattern that underwriters price in.

Speak to our team about where your fleet sits in the current market. We’ll tell you what’s driving your rate and what’s worth addressing before submission.

Process

How Rosella Places Fleet Coverage

Most fleet operators get one broker, one market, and one quote. That's a starting point, not a strategy.

01

Submit once, reach multiple markets

Rosella submits your fleet to multiple carrier markets simultaneously. Admitted carriers for standard light-duty and mixed-use fleets. Specialty transport programs for heavy vehicles and FMCSA-regulated units. E&S markets for fleets that have had losses, unusual vehicle mixes, or operations that don't fit a standard underwriting box. You submit once. We handle the rest.

02

We compare policy terms, not just premiums

When quotes come back, we compare policy terms, not just premium lines. Fleet policies vary significantly on key details: any-driver vs named-driver structure, blanket vs scheduled physical damage, HNOA inclusion, and how mid-term additions are handled. A lower quote with restrictive named-driver terms may cost you more in flexibility than the premium difference saves.

03

COIs generated in under two minutes

Certificates of insurance are generated in under two minutes, day or night. For fleets that run multiple COI variants for different clients, shippers, or lenders, that matters more than most brokers acknowledge. Request an insurance quote or speak to our team. Standard fleet submissions quote within a few business days for most light-duty and mixed-use fleets. Heavy vehicle programs and those with complex loss history take a little longer, but we’ll tell you where you stand at submission.

Frequently Asked Questions

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Tell us about your fleet — vehicle types, unit count, driver count, operating radius — and we’ll come back with carrier options.

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Request an insurance quote or speak to our team. We'll structure the submission, shop the market, and come back with options that reflect your actual fleet, not a generic template.

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