Fleet Insurance
Guardian Insurance Agency
Keep your business rolling with one policy for all your vehicles.
Fleet insurance lets you cover your company‑owned cars, vans, and trucks under a single, streamlined policy. It simplifies billing and certificates, aligns coverage across vehicle types, and makes it easy to add or remove units as your operations grow.
What Fleet Insurance Covers
Coverage varies by carrier and policy; we’ll tailor limits and endorsements to your routes and vehicle mix
- Auto Liability: Pays for bodily injury and property damage to others caused by your drivers.
- Physical Damage: Collision repairs after a crash, regardless of fault.Comprehensive non‑collision losses like theft, fire, vandalism, hail, and glass.
- Uninsured/Underinsured Motorist (UM/UIM): Protects you when the other driver has too little or no insurance.
- Medical Payments / PIP: Helps with medical costs for occupants after an accident.
- Roadside/Towing (optional): Keeps your vehicles moving after breakdowns.
One policy, many vehicles: Cars, pickups, vans, box trucks, light/medium duty units—even mixed purposes (service, delivery, sales) can be scheduled together.
Why Fleet Policies Are Different (and Helpful)
- Any‑authorized driver options: Allow qualified employees to operate any covered vehicle (subject to underwriting/driver standards).
- Easy changes: Add, remove, or update vehicles and limits with a quick request—no juggling multiple policies.
- Contract‑ready: Issue COIs fast with Additional Insured, Primary & Non‑Contributory, and Waiver of Subrogation wording when a client or landlord requires them.
Smart Add‑Ons & Endorsements
- Commercial Umbrella/Excess: Extra liability limits above auto and GL.
- Hired & Non‑Owned Auto (HNOA): Liability for rentals and employee‑owned vehicles used for work.
- Rental Reimbursement: Covers vehicle rental costs while yours is repaired.
- Drive Other Car: For owners/executives without a personal auto policy.
- Gap Coverage: If a financed vehicle is totaled and loan balance exceeds ACV.
- Telematics/Dashcams: Pair with insurer programs to improve safety and potentially lower loss frequency.
What Affects Price
- Vehicle types and use: Service vs. delivery, light vs. medium duty.
- Driver count & MVRs: Records, experience, and training.
- Garaging locations & radius of operations: Local vs. regional routes.
- Annual mileage & payloads: Exposure and wear.
- Selected limits, deductibles, and endorsements.
- Claims history & safety controls: Telematics, driver coaching, maintenance schedules.
How We Help You Save
- Tighten driver standards and MVR checks.
- Use telematics/dashcams to cut harsh events and improve coaching.
- Standardize maintenance and inspection logs.
- Align COI wording to contracts to avoid last‑minute changes.
- Right‑size deductibles and limits to your loss profile and cash flow.
The Guardian Way
We review your routes, drivers, and vehicle schedule, then build a fleet program that balances coverage, cost, and compliance. Need COIs with specific wording? We turn them fast so trucks don’t sit.
Guardian Insurance Agency — Proper protection—prior to peril.
Call
+1 888 388 2864
Visit
1818 E 1st Street #530 Santa Ana CA 92705