What is Moving and Storage - Fleet Auto?
Moving and Storage - Fleet Auto insurance is a specialized type of commercial auto coverage designed for businesses that operate fleets of vehicles used in moving, hauling, or storing goods. This coverage protects against damages and liabilities arising from the use of these vehicles in daily business operations.
Who Needs It
This coverage is essential for companies involved in:
- Residential or commercial moving services
- Storage and warehousing with vehicle transport
- Logistics and freight handling using company-owned fleets
- Delivery of large or bulky items, such as furniture or appliances
If your business owns multiple vehicles used for transporting goods or equipment, Moving and Storage - Fleet Auto insurance helps safeguard your operations.
What It Typically Covers
This type of policy usually includes:
- Liability coverage: For bodily injury or property damage caused by company vehicles
- Physical damage: Covers repair or replacement of fleet vehicles due to collision, vandalism, or weather
- Medical payments: Helps pay for injuries to drivers or passengers in company vehicles
- Uninsured/Underinsured motorist: Protects against losses caused by drivers with insufficient or no insurance
Common Exclusions and Limitations
Standard exclusions may include:
- Personal use of fleet vehicles
- Intentional damage or illegal use
- Wear and tear or mechanical failure
- Transporting prohibited or hazardous materials without proper endorsements
Always review your policy to understand specific exclusions and terms.
Factors That Influence Cost
The cost of Moving and Storage - Fleet Auto insurance depends on several factors, such as:
- Number and type of vehicles in the fleet
- Driving records of employees
- Geographic area and typical travel routes
- Types of goods transported
- Claims history and safety protocols
Insurers may also consider how often vehicles are used and whether they’re stored securely when not in operation.
Proof of Insurance and Compliance
Most states require commercial fleets to carry minimum levels of auto liability insurance. Businesses may need to show proof of insurance to regulators, clients, or commercial partners. Certificates of insurance can be issued by your provider to demonstrate active coverage. Requirements vary by state and industry, so it's important to stay informed.
How to Get a Quote
To find coverage that meets your business needs, compare options designed for moving and storage fleets. Start by speaking with an agent who understands the unique risks of your industry. Get a quote from us today to protect your fleet and keep your business moving forward.
Frequently Asked Questions
Is Moving and Storage - Fleet Auto insurance required by law?
Most states require commercial auto insurance for business vehicles, especially for fleets. Check with your local regulations to ensure compliance.
Can I add or remove vehicles from my fleet policy?
Yes, most fleet policies allow you to update your list of covered vehicles as your business needs change.
Does this insurance cover damage to customer property during a move?
No, damage to customer property is typically covered under cargo or liability insurance, not fleet auto insurance. Separate coverage may be needed.
Are drivers covered under the fleet policy?
Yes, as long as they are authorized employees using covered vehicles for business purposes, they are generally included under the policy.
What happens if one of our drivers is at fault in an accident?
The fleet auto policy can help cover damages to others and your own vehicle, depending on your coverage limits and deductible.
Still have questions? Talk to a local insurance expert.