Fleet Insurance

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What is Fleet Insurance?

Fleet Insurance is an auto policy that has 5 or more vehicles insuring the vehicles that belong to your business.

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What Does Fleet Insurance Cover?

Fleet insurance is a standard auto policy and should cover your vehicles for third party liability with optional extra coverages such as collision, comprehensive and all perils coverage.

What Kind of Businesses Can Have A Fleet Policy?

Virtually all businesses that have 5 or more vehicles registered to their company name can qualify for a fleet policy depending on underwriting criteria.

Is Fleet Insurance Cheaper than Standard Auto Insurance?

Not necessarily, fleet insurance largely depends on your account’s loss history. When rating for fleet policies, the criteria that will affect the price the most is usually how long you have been insured and how many claims have been paid out – at fault and not at fault. Other factors are important and also impact the price such as driver experience, driver tickets and accidents.

Fleet Management is Important.

Because a big part of the price for fleet insurance is determined by company’s claims experience it is important to manage your risk. Just as your business is responsible for keeping a safe workplace your vehicles are no different. That is why it is important to manage your risk which can include:

  • Pre-hiring driver history check
  • Periodic driver history checks to make sure your drivers still maintain clean records
  • Vehicle road worthy checks
  • Standard vehicle maintenance
  • Standard replacement of vehicle tires
  • Frequent employee meetings discussing best practices
  • Using dash cams and rear cameras
  • GPS tracking
  • Driver training and education
  • Upgrading to newer vehicles that have the latest safety features

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Resources

Why Contractors in Ontario Should Do This One Thing

As a contractor you probably work hard for your stuff, and let’s face it tools and equipment can get expensive. Many contractor insurance polices may not even cover you for tools or equipment, and tools can quickly depreciate in value especially after a few years of good use, so how much really can they be worth? That… Read More »

What kind of insurance does my bar in Toronto need?

As Toronto grows, so do the various industries supporting it. The hospitality and entertainment industry is clearly no exception. Nightclubs, bars, lounges and resto-lounges each provide a unique experience and have been popping up across Toronto. Neighborhoods in Toronto like Queen Street, Dundas, Ossington and Roncesvalles have seen a surge in these types of establishments,… Read More »