Fleet Insurance provided by Browne Insurance Services

Fleet auto insurance provides coverage for business autos you own in addition to personal, non-owned, or hired autos used for your business. This means that the policy will protect you and your business when an employee drives his or her personally owned vehicle for company business.
What is Auto Fleet Insurance?

As the owner of a small to medium sized business with a fleet of automobiles, it is imperative that you carry the appropriate types and amounts of commercial fleet insurance. Businesses like yours that own fleets of vehicles depend heavily on those vehicles. Without them you may not be able to deliver the goods and services your company supplies. Not only would you lose money from the loss in business operations, but if you also had to pay for repairing or replacing one or more of your business autos it could put a severe financial strain on your company.

These are the most important types of business fleet auto insurance you should carry:

  • Liability Insurance
  • Bodily Injury
  • Property Damage
  • Medical Payments
  • Physical Damage Insurance
  • Comprehensive Physical Damage
  • Collision Damage
  • Specified Peril (CAC)
  •  Uninsured or Underinsured Motorist
  • Bodily Injury Property Damage Collision Deductible Waiver (CDW) 

Other Important Business Fleet Auto Insurance Includes:

  • Rental 
  • Towing 
  • Accessories (Ex: mileage meters, navigation units, radios) 
How is the cost of the policy determined?

Insurers use many factors to determine the policy premium. The number and kind of vehicles insured, and the location of the business, are key factors. Insurance rates vary by state and region.  For example, costs tend to be lowest in rural communities and highest in cities, where there is more traffic. Also, some cars are more expensive to insure than others. Vehicles with expensive repair costs and those that are more attractive to thieves cost more to insure.

The policies generally protect not just the driver and vehicle, but also your business, pedestrians and other motorists. The specific use of your commercial vehicles will be important in determining the right policy type and coverage limits. Regular personal car insurance is often not sufficient to cover a potential financial loss when a vehicle is used commercially.

We can help review your risks and provide auto fleet insurance program costs for coverage that would best protect your business. Talk to us today to know more.

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As an independent agency, Browne Insurance Services
Helps you find the right Fleet Insurance Coverage
Contact Us
Palm Springs, CA
190 W Amado Rd Palm Springs, CA 92262
We extend coverage to individuals and businesses in Campbell, Palm Desert, Palm Springs, Pollock Pines, and Santa Clara areas.

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  • Bodily injury
  • Property damage
  • Comprehensive coverage
  • Coverage for insured / driver
  • Overnight vehicle insurance

Bodily injury Coverage

Risk Factors

If a person is injured while on your business premises, your business could be responsible for all related medical expenses


Bodily injury liability coverage pays for any injuries or death associated with an accident for which your business is at fault. Often, this coverage includes legal defence.

Property damage Coverage

Risk Factors

If your vehicle collides with a third party vehicle and damages it, you become liable for his/her loss.


Property damage liability coverage provides protection if one of your vehicles damages another person’s property.

Comprehensive coverage

Risk Factors

Your vehicles are often expose to risks like fire, theft and other natural hazards and require sufficient protection.


This can cover loss or damage to vehicles by fire, accidents, burglars, natural calamities and other unexpected calamites.

Coverage for insured / driver

Risk Factors

Your driver can meet an accident while driving your vehicle and suffer bodily injuries.


This provides coverage for the insurer / driver. Multiple fleet insurance policies cover injuries to the driver.

Overnight vehicle insurance coverage

Risk Factors

Your driver can meet an accident while driving your vehicle at night and incur a great damage to your vehicle along with the goods in transit.


Many policy providers offer coverage for fleet overnight also since some businesses might need their vehicles to transport goods within one night.

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