What is Automotive Services - Fleet Auto?
Automotive Services - Fleet Auto insurance is designed to protect businesses that operate multiple vehicles as part of their operations. This coverage is especially relevant for auto service providers, repair shops, and garagekeepers that manage or service customer vehicles and operate a fleet. These policies typically combine elements of garagekeepers liability insurance, commercial auto exposure, and property coverage, offering comprehensive protection against a range of operational hazards.
Who needs it
This coverage is essential for operators who own or manage fleets used in automotive services—such as towing companies, mobile mechanics, repair facilities, and auto body shops. It also applies to dealerships and service centers that offer courtesy vehicles or transport customer cars. These businesses face unique transportation risks and liability exposures daily, including potential property damage or injury during vehicle handling.
What it typically covers
Fleet auto insurance for automotive services typically includes:
- Commercial auto liability for owned or leased vehicles
- Garagekeepers legal liability for customer vehicles in care, custody, or control
- Physical damage coverage for fleet vehicles
- Optional endorsements like roadside assistance or hired/non-owned auto coverage
A common risk scenario might involve a technician test-driving a customer’s vehicle and causing an accident—garagekeepers coverage would respond to claims arising from that incident.
Common exclusions or limitations
Policies may exclude coverage for:
- Intentional damage or illegal use of vehicles
- Vehicles not listed or covered under the policy
- Personal use of fleet vehicles by employees
- Non-disclosed modifications or commercial uses
Careful attention to underwriting factors, such as driver history, vehicle maintenance, and facility risks, is key to avoiding gaps in coverage.
Factors that influence cost
Several underwriting elements affect premiums for Automotive Services - Fleet Auto insurance:
- Number and type of vehicles in the fleet
- Driver records and safety training programs
- Business location and service radius
- Claims history and risk management protocols
Insurers may also assess the type of services offered—such as mobile repairs vs. in-shop work—due to differing liability exposures.
Proof of insurance & compliance
Most states and commercial partners require proof of insurance for business fleets, particularly when transporting customer vehicles. Certificates of insurance (COIs) are commonly used to demonstrate compliance with contractual or regulatory obligations.
How to get a quote
To obtain a quote, gather detailed information about your fleet, services offered, and facility operations. Include any risk management practices in place, such as driver training or security measures. For tailored assistance, visit our quote request page and connect with a licensed insurance professional.
Additional relevant coverage options may include Commercial Garage Liability Insurance and Repair Shop Garage Liability Insurance, depending on your operation’s exposures.
Frequently Asked Questions
What is the difference between garagekeepers and fleet auto coverage?
Garagekeepers insurance covers customer vehicles left in your care, while fleet auto coverage protects your business’s owned or leased vehicles used for operations.
Can I include non-owned vehicles in my fleet policy?
Some policies allow coverage for hired or non-owned vehicles, but it must be specifically endorsed. Always confirm with your insurer.
Do I need separate policies for repair services and towing?
Not necessarily. Some policies can be bundled to cover multiple service types, but underwriting will vary based on your business activities.
Is employee driving history considered during underwriting?
Yes, insurers typically review employee motor vehicle records (MVRs) as part of assessing risk and determining eligibility.
Will my policy cover tools and equipment in fleet vehicles?
Tools and equipment may require separate inland marine or equipment coverage, as standard auto policies often exclude them.
Still have questions? Talk to a local insurance expert.