Commercial Auto Fleet Insurance

Comprehensive Coverage for Your Entire Business Fleet

Managing a fleet of commercial vehicles comes with unique risks that standard auto policies simply can’t address. From delivery vans and service trucks to company cars and heavy equipment haulers, every vehicle in your fleet needs proper protection to keep your business moving.

Commercial Auto Fleet Insurance from Densmore Insurance Strategies provides a single, streamlined policy that covers all your business vehicles under one umbrella — saving you time, money, and the headache of managing multiple individual policies.

2–200+

Vehicles Covered

What Is Commercial Auto Fleet Insurance?

Commercial auto fleet insurance is a single policy designed to cover multiple business-owned vehicles. Instead of purchasing separate policies for each vehicle, fleet insurance consolidates coverage — providing consistent protection, simplified administration, and often significant cost savings.

Individual Auto Policies

Fleet Insurance Policy

Did You Know?

Most fleet policies start at just 2 vehicles. Whether you have a small service fleet or a large delivery operation with 200+ vehicles, fleet insurance can be tailored to your exact needs. Businesses with 5 or more vehicles typically see 15–25% savings compared to individual policies.

Fleet Insurance Coverage Types

Build a customized fleet policy with the right combination of coverages to protect your vehicles, drivers, and business operations.

Liability Coverage

Covers bodily injury and property damage your fleet vehicles cause to others. Required by law in Iowa and essential for protecting your business assets.

Collision Coverage

Pays for damage to your fleet vehicles from collisions with other vehicles or objects, regardless of fault. Keeps your fleet operational after accidents.

Comprehensive Coverage

Protects against non-collision events like theft, vandalism, fire, hail, flooding, and animal strikes. Covers risks beyond your control.

Uninsured/Underinsured Motorist

Covers your drivers and vehicles when the at‑fault party has no insurance or insufficient coverage. Critical protection for your employees.

Medical Payments

Covers medical expenses for your drivers and passengers regardless of fault. Provides immediate coverage without waiting for liability determination.

Hired & Non‑Owned Auto

Extends coverage to rented vehicles and employee‑owned vehicles used for business purposes. Fills critical gaps in your fleet protection.

Roadside Assistance

Provides towing, flat tire changes, battery jumps, and lockout services for your entire fleet. Minimizes downtime and keeps operations running.

Cargo Coverage

Protects goods and materials being transported by your fleet vehicles. Essential for delivery, logistics, and service businesses carrying inventory.

Fleet Vehicles We Insure

From compact company cars to heavy-duty commercial trucks, our fleet policies cover virtually every type of business vehicle on the road.

Delivery Vans & Cargo Vans

Sprinter vans, Transit vans, ProMaster, cargo vans

Box Trucks & Straight Trucks

Box trucks, refrigerated trucks, flatbed trucks

Pickup Trucks & Service Vehicles

Pickup trucks, utility trucks, service vans

Company Cars & SUVs

Sedans, SUVs, crossovers, executive vehicles

Also covered: Tow trucks, dump trucks, cement mixers, tanker trucks, buses, limousines, food trucks, and specialty vehicles.

Don’t see your vehicle type? Contact us — we can likely cover it.

Is Fleet Insurance Right for Your Business?

If your business owns, leases, or operates two or more vehicles, fleet insurance can simplify your coverage and reduce costs. It’s especially valuable for businesses that:

Operate multiple vehicles for daily business operations
Employ drivers who operate company-owned vehicles
Regularly add or remove vehicles from their fleet
Need consistent coverage standards across all vehicles
Want to reduce administrative burden of managing multiple policies

Serving Iowa Businesses

Des Moines, Bondurant, Ankeny, West Des Moines, Ames, Cedar Rapids, and surrounding areas throughout Iowa.

Delivery & Logistics

Last-mile delivery, courier services, and freight companies with multiple route vehicles.

Construction & Trades

Contractors, plumbers, electricians, and HVAC companies with service trucks and work vehicles.

Real Estate & Property Management

Property managers, real estate agencies, and maintenance crews traveling between sites.

Food & Beverage

Catering companies, food trucks, restaurant supply delivery, and mobile food services.

Healthcare & Home Services

Home health agencies, medical equipment delivery, and mobile healthcare providers.

Landscaping & Agriculture

Lawn care companies, landscapers, and agricultural businesses with equipment haulers.

Why Businesses Choose Fleet Insurance

Fleet insurance isn’t just about convenience — it’s a strategic business decision that saves money and reduces risk.

15–25%

Average Savings

Multi-Vehicle Discounts

The more vehicles on your policy, the greater your per-vehicle discount. Fleet policies consistently beat individual policy pricing.

1

Policy to Manage

Simplified Administration

One policy, one renewal date, one point of contact. Eliminate the paperwork headache of juggling multiple individual policies.

24hr

Add/Remove Time

Flexible Vehicle Management

Easily add new vehicles or remove retired ones from your fleet policy without starting a new application each time.

10%+

Additional Discount

Fleet Safety Programs

Implement driver training and safety programs to qualify for additional premium reductions and protect your team.

Fleet Insurance Claims Examples

See how fleet insurance protects Iowa businesses from real risks they face every day on the road.

Multi-Vehicle Collision

$67,000

A delivery driver rear-ended another vehicle during a route, causing damage to both the fleet van and the other car. The other driver sustained minor injuries.

What Was Covered

Vehicle repairs, medical bills, legal defense

Hail Storm Damage

$94,500

A severe Iowa hailstorm damaged 12 fleet vehicles parked at the company lot overnight, causing dents, broken windshields, and paint damage across the fleet.

What Was Covered

Body repairs, windshield replacement, paint work

Vehicle Theft

$52,000

A service van loaded with $15,000 in tools and equipment was stolen from a job site parking area. The vehicle was never recovered.

What Was Covered

Vehicle replacement value, tool/equipment loss

Uninsured Motorist Accident

$83,000

An uninsured driver ran a red light and T‑boned a company pickup truck. The fleet driver suffered a broken arm and the truck was totaled.

What Was Covered

Medical expenses, vehicle replacement, lost wages

Getting Fleet Insurance Is Simple

From initial assessment to ongoing management, we make protecting your fleet straightforward and hassle‑free.

01

Fleet Assessment

We review your vehicle inventory, driver records, routes, and current coverage to understand your fleet operations.

02

Custom Quote

We shop multiple carriers to find the best combination of coverage, service, and pricing for your fleet.

03

Policy Setup

Once you approve the quote, we handle all paperwork and get your fleet policy active — often within 24 hours.

04

Ongoing Support

We manage your fleet policy year-round — adding vehicles, handling claims, and reviewing coverage at renewal.

Why Choose Densmore for Fleet Insurance?

At Densmore Insurance Strategies, we understand that your fleet is the backbone of your business. Our team specializes in crafting comprehensive fleet coverage that keeps your vehicles protected and your operations running smoothly — all while saving you money.

Independent Agency

We shop multiple carriers to find the best fleet rates and coverage for your specific business needs.

Local Iowa Expertise

Deep understanding of Iowa roads, weather risks, and the specific challenges Iowa fleet operators face.

Fast Claims Resolution

We advocate aggressively on your behalf to get vehicles repaired and back on the road quickly.

Customized Fleet Policies

Tailored coverage designed around your fleet size, vehicle types, and unique operational risks.

Dedicated Fleet Support

A single point of contact who knows your fleet inside and out — no call centers or runarounds.

Risk Management Guidance

Proactive fleet safety recommendations and driver training resources to reduce claims and lower premiums.

Fleet Insurance FAQs

Get answers to the most frequently asked questions about commercial auto fleet insurance.

How many vehicles do I need to qualify for fleet insurance?

Most fleet insurance policies start at just 2 vehicles, though some carriers require 5 or more. At Densmore Insurance, we work with multiple carriers and can find fleet options for businesses with as few as 2 vehicles. The more vehicles you have, the greater your potential savings.

How much does commercial fleet insurance cost?

Fleet insurance costs vary based on the number and type of vehicles, driver records, coverage limits, industry, and annual mileage. On average, Iowa businesses pay between $1,200 and $3,500 per vehicle annually for fleet coverage. Multi-vehicle discounts typically save 15–25% compared to individual policies. We provide free customized quotes.

Can I add or remove vehicles from my fleet policy mid-term?

Yes! One of the biggest advantages of fleet insurance is flexibility. You can add newly purchased or leased vehicles and remove sold or retired vehicles at any time during your policy term. Coverage adjustments are typically processed within 24 hours, and your premium is prorated accordingly.

Does fleet insurance cover employees driving company vehicles?

Yes, fleet insurance covers authorized drivers operating your business vehicles. This includes full-time employees, part-time workers, and even temporary or seasonal drivers. We recommend maintaining a driver eligibility policy and conducting regular MVR (Motor Vehicle Record) checks to keep premiums low.

What happens if an employee has an accident in a fleet vehicle?

Your fleet insurance policy covers accidents involving authorized drivers. Liability coverage pays for damage and injuries to others, while collision and comprehensive coverage handle damage to your vehicle. Medical payments coverage can also cover your driver’s injuries. Contact us immediately after any accident so we can begin the claims process.

Does fleet insurance cover personal use of company vehicles?

This depends on your policy terms. Many fleet policies can be structured to include limited personal use by employees, such as commuting. However, personal use may affect your premiums. We’ll help you determine the right coverage structure based on how your vehicles are actually used.

Are leased vehicles covered under fleet insurance?

Yes, both owned and leased vehicles can be included in your fleet policy. In fact, many leasing companies require specific coverage levels, and a fleet policy makes it easy to meet those requirements consistently across all leased vehicles in your fleet.

How can I lower my fleet insurance premiums?

Several strategies can reduce your fleet insurance costs: implement a formal driver safety training program, install GPS tracking and dash cameras, maintain clean driver records, increase deductibles where appropriate, bundle with other business insurance policies, and regularly review your fleet to remove unnecessary vehicles. We’ll help you identify every available discount.

Request Your Free Fleet Insurance Quote

Protect your entire fleet with one comprehensive policy. Fill out the form and one of our experienced agents will contact you with a customized fleet quote tailored to your business.

Phone

(515) 967-3390

Email

info@densmoreis.com

Address

85 Paine Street SE, Suite G, Bondurant, Iowa 50035