Fleet
Insurance

Mini fleet insurance is a flexible option for businesses that don’t yet meet the standard fleet size. Typically covering between two and five vehicles, this policy gives smaller operations access to many of the benefits of a larger fleet plan. All your vehicles are insured under one policy, and you usually get a shared renewal date, easier paperwork, and better visibility into your overall coverage. It’s a great option for small service companies, growing delivery teams, or businesses adding vehicles over time.

Fleet insurance can cover a range of vehicles, but the risks and costs differ depending on what you’re driving.

• Cars: These are common for sales teams or light delivery work. Risks might include city driving, fender benders, and parking lot incidents. Because the vehicles tend to be smaller and less expensive to repair, premiums are usually lower.
• Trucks: This includes everything from box trucks and tow trucks to semis and construction vehicles. These vehicles cost more to insure due to their size, specialized use, and the higher risk of property damage or injury in an accident. Cargo, equipment, and the complexity of repairs also factor into the cost.

Every business is different, and fleet insurance can be customized to fit your specific needs. Here are some examples of how different businesses use fleet policies in Texas:

• Service vans: For electricians, HVAC crews, plumbers, and mobile businesses making frequent stops in busy areas
• Rental car companies: Policies that cover your fleet and protect against renter-related liability
• Couriers and delivery drivers: Coverage for vehicles constantly on the road delivering packages or important documents
• Taxis and ride-share fleets: Specialized policies for high-mileage, passenger-based transport
• Freight haulers: For businesses running semis or trailers across long distances, often carrying valuable cargo
• Heavy trucks and construction vehicles: High-value vehicles that carry increased risks and need more robust coverage
• Minibuses and shuttles: Used by tour companies, hotels, or churches that transport groups of people

Each of these comes with its own risks, and the policy should reflect that. Our team at Rollo works with you to make sure your fleet is protected based on the real-world challenges your drivers face.