Insurance carriers will sometimes refer to these as “mini fleets,” which are best suited for small fleet insurance. Small fleets: Many owners of small- to medium-sized businesses only have a handful of vehicles used in the course of their daily operations.Insurance carriers typically divide motor fleets into two size-based categories: The size of your fleet will vary depending on your business needs and the size of your operation. How Many Vehicles Are Needed For Fleet Insurance? All five vehicles would be covered under the same fleet insurance policy, and the coverage would not be impacted by having multiple delivery drivers, assuming they are all properly licensed. The three cars, the van, and the food truck are your business fleet. Your business provides delivery services requiring three cars, a catering service that uses a large van, and an off-premises food truck you bring to local events.
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Vehicles covered under a fleet auto insurance policy do not need to be of the same type or have a fixed number of drivers operating them. Large trucks used for shipping and transport.Forklifts and other heavy machinery used in construction.Everyday cars, vans, and SUVs used in food delivery.They can obtain fleet insurance to cover accidents and other liability risks for all vehicles used in the scope of their operations. That’s why business owners ought to strongly consider purchasing fleet insurance. A large percentage of all motor vehicle accidents are work-related.
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