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Fleet Insurance

If your business owns and operates three or more vehicles as part of its daily operations, you may be eligible for a fleet insurance policy. These plans resemble a commercial auto policy that covers many vehicles at the same time, helping you to meet coverage requirements at an affordable rate.

Industries that can benefit from fleet insurance coverage include:

  • Government agencies
  • Construction companies (including those with large construction vehicles like bulldozers)
  • Taxi services
  • Vehicle rental companies
  • Delivery services
  • Any other company that operates a fleet of vehicles

As of 2013, the Bureau of Transportation Statistics found that there were over eleven million fleet vehicles in service, with government and rental use seeing the most growth over the years.

Fleet Insurance Features: Commercial Auto Insurance

Commercial vehicle policies are a major part of fleet insurance, and they cover the vehicles themselves against damage and loss.

In most cases, fleets that focus on services (handymen, locksmiths, and similar professions) will see the largest discount on their premiums. Vehicles used for retail work, such as delivering food or flowers, usually see a more moderate reduction in premiums. Finally, companies that ship either people or large volumes of products see the lowest reduction, simply because there tends to be more damage in a collision. The current average is more than $20,000 for each incident, and since fleet drivers tend to be on the road far more than the average person, there’s a greater likelihood of a collision sooner or later. However, this is when having the proper insurance coverage becomes invaluable.

What's Covered by Fleet Insurance

The main component of fleet insurance is its blanket coverage of vehicles and employees—any employee will be insured while driving any vehicle in your fleet unless they've been specifically excluded from the policy. This is ideal for companies where vehicles frequently have different drivers, as well as companies that have vehicles out on the roads on a regular basis. All fleet insurance policies will meet or exceed the minimum amount of coverage required for commercial vehicles in your area.

If you're not sure whether a vehicle you use qualifies for coverage under a fleet policy (for example, you have a privately owned vehicle that's also used for business purposes), talk a Wheatland Insurance Center Inc. agent and they'll let you know if your vehicle is eligible.

 

1. Hatfield, Gary, and Janis Christensen. "10 Ways to Reduce Fleet Costs." Fleet Financials. March 2014. Accessed April 27, 2016. http://www.fleetfinancials.com/article/story/2014/02/10-ways-to-reduce-fleet-costs.aspx.

2. "Table 1-14: U.S. Automobile and Truck Fleets by Use (Thousands)." Bureau of Transportation Statistics. Accessed April 27, 2016. http://www.rita.dot.gov/bts/sites/rita.dot.gov.bts/files/publications/national_transportation_statistics/html/table_01_14.html_mfd.

3. "Do You Know the True Cost of Fleet Accidents?" Telogis Blog. Accessed April 27, 2016. http://www.telogis.com/blog/cost-of-fleet-accidents/.

Our Locations

Wheatland Insurance Center - Pendleton - Corporate Office

229 SW 1st St
Pendleton, OR 97801
Main office: 541-276-7441
Toll free: 800-243-8918
Fax: 541-276-7688

Wheatland Insurance - Athena

327 E. Main
Athena, OR 97813
Main office: 541-566-3761
Toll free: 800-243-8918
Fax: 541-276-7688

Wheatland Insurance - Baker City

1405 Campbell St
Baker City, OR 97814
Main office: 541-524-1984
Toll free: 800-243-8918
Fax: 541-276-7688

Wheatland Insurance - Condon

307 S. Main
Condon, OR 97823
Main office: 541-384-2720
Toll free: 800-243-8918
Fax: 541-276-7688

Wheatland Insurance - Elgin

2 North 8th Ave
Elgin, OR 97827
Main office: 541-437-3484
Toll free: 800-243-8918
Fax: 541-276-7688

Wheatland Insurance - Enterprise

121 West Main St
Enterprise, OR 97828
Main office: 541-426-3177
Toll free: 800-243-8918
Fax: 541-276-7688

Wheatland Insurance - Heppner

294 N. Main
Heppner, OR 97836
Main office: 541-676-9113
Toll free: 800-243-8918
Fax: 541-276-7688

Wheatland Insurance - Hermiston

455 E. Main St
Hermiston, OR 97838
Main office: 541-567-8834
Toll free: 800-243-8918
Fax: 541-276-7688

Wheatland Insurance - Ione

245 NW Main
Ione, OR 97842
Main office: 541-422-7410
Toll free: 800-243-8918
Fax: 541-276-7688

Wheatland Insurance - La Grande

1901 Adams Ave #2
La Grande, OR 97850
Main office: 541-963-2136
Toll free: 800-243-8918
Fax: 541-276-7688

Wheatland Insurance - The Dalles

312 Federal St
The Dalles, OR 97058
Main office: 541-296-2268
Fax: 541-276-7688

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