Month: October 2025

When most people think of a fleet of vehicles, images of a vehicle rental company or delivery company come to mind. However, fleet insurance isn’t just for businesses with scores of commercial vehicles. Even a business with two commercial cars, trucks, or vans can benefit from this form of insurance.

What Is Fleet Insurance?

Fleet insurance is a commercial auto insurance policy that covers more than one vehicle. It’s convenient for many business owners in Louisa, VA, because you don’t have to purchase separate policies for each of your vehicles. And buying a fleet insurance policy is often cheaper than buying separate auto insurance policies for each vehicle. 

Coverage varies depending on the policy you purchase. Fleet insurance typically provides liability, physical damage, and cargo insurance. However, you can add riders to any policy you purchase to include collision coverage, uninsured/underinsured motorist coverage (to protect against accidents with uninsured and underinsured motorists), and comprehensive coverage. 

Are There any Downsides to Fleet Insurance?

Fleet insurance can offer the same level of coverage as an individual policy. However, you may prefer to buy separate policies for some of your vehicles if there is a big difference between the value of each of your vehicles and/or how they’re used. Talk to your insurance agency about how you use your commercial vehicles to get personalized advice on picking a policy.

Need Commercial Auto Insurance? The Pivotal Insurance Agency LLC Is Here To Help

The Pivotal Insurance Agency LLC specializes in helping Louisa, VA, business owners pick commercial auto insurance that meets their needs and budget. Call us to find out more about our fleet insurance options as well as our other auto insurance policies and policy bundles. We’re happy to help you identify and purchase the coverage your business needs.