Fleet Insurance
When your business relies on multiple vehicles, keeping them protected and on the road matters. Commercial fleet insurance brings your vehicles together under one coordinated insurance arrangement.
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1200+
Businesses covered
250+
Referral partners
98%
Retention rate
What is Commercial Fleet Insurance?
Commercial fleet insurance allows businesses to insure multiple vehicles under a coordinated insurance arrangement, helping simplify the administration and management of their motor insurance.
A fleet can include different types of vehicles, from passenger cars and utes to vans, trucks and other commercial vehicles. The right insurance structure will depend on the size and makeup of your fleet, how the vehicles are used and who drives them.
Surety Risk Solutions takes the time to understand your fleet, drivers, claims history and business operations before helping you arrange cover suited to the way your vehicles are actually used.
Protection Across Your Business Fleet
Managing multiple vehicles creates different risks from insuring a single vehicle. A well-structured fleet policy can provide consistent protection while making changes and ongoing administration easier to manage.
Accidental Damage
Comprehensive fleet insurance can provide cover for accidental loss or damage to insured vehicles, subject to the terms and conditions of the policy.
Theft
Cover can provide protection when an insured fleet vehicle is stolen or damaged as a result of an attempted theft.
Third Party Property Damage
Protection against certain legal liabilities for damage caused by insured vehicles to other people's vehicles or property.
Additional Fleet Benefits
Depending on the policy, benefits may include towing, replacement or hire vehicles, windscreen cover and other assistance following an insured event.
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Fleet Insurance for Businesses That Depend on Their Vehicles
Fleet insurance can suit businesses operating multiple vehicles across a wide range of industries. The right arrangement depends on the vehicles, drivers and how the fleet supports your operations.
Trades & Contracting Businesses
For businesses operating multiple utes, vans or other vehicles across worksites, projects and customer locations.
Service Businesses
For organisations with employees travelling to customers or between locations using company-owned vehicles.
Transport & Distribution Businesses
For businesses using multiple vehicles to transport goods, equipment or materials as part of their operations.
Growing Business Fleets
For businesses that have grown beyond managing vehicles individually and want a more coordinated approach to their motor insurance.
Let's Start the Conversation.
Whether you're a business looking for commercial insurance or an adviser looking to broaden what you offer, the first step is the same. Tell us a little about the situation and we'll put you with the right specialist.
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A Smarter Way to Manage Fleet Insurance
Fleet insurance isn't just about putting multiple vehicles on one policy. Understanding your vehicles, drivers and claims experience helps us present your fleet properly to the insurance market.
01. Understand Your Fleet
We review your vehicle schedule, values, vehicle types, business use and any specialised or modified vehicles within the fleet.
02. Review Drivers & Claims
We consider your driver profile and claims history to understand where losses are occurring and identify information relevant to insurers.
03. Approach the Insurance Market
Surety Risk Solutions approaches suitable insurers and underwriting agencies and considers available cover, excess structures, conditions and fleet benefits.
04. Explain Your Options
We explain the available terms and important differences so you can make an informed decision about the insurance arrangement for your fleet.
Why Surety Risk Solutions?
A fleet is a working part of your business. We look beyond simply insuring a list of vehicles and take the time to understand how your fleet operates and the risks that come with it.
We Understand the Whole Fleet
We consider the mix of vehicles, how they're used, who drives them and your claims experience rather than looking at each vehicle in isolation.
Access to Commercial Fleet Markets
We work with insurers and underwriting agencies offering fleet insurance solutions across a range of industries and vehicle types.
Claims & Risk Matter
Your claims experience can have a significant impact on fleet insurance. We can help identify claims trends and discuss practical risk management considerations as your fleet develops.
Support as Your Fleet Changes
Vehicles are bought, sold and replaced throughout the year. We remain available to help manage policy changes, renewals and claims as your fleet evolves.
Your Questions, Answered
Understanding your insurance options can feel complex. Explore answers to some frequently asked questions about cover, costs and what to expect when arranging insurance with Surety Risk Solutions.
What is commercial fleet insurance?
Commercial fleet insurance allows a business to insure multiple vehicles under a coordinated insurance arrangement. It can simplify administration and provide a consistent approach to managing a business's motor risks.
How many vehicles do I need for fleet insurance?
There isn't one universal minimum (usually 10 +). Insurers have different criteria for what they consider a fleet, and the most appropriate structure will depend on the number and types of vehicles your business operates.
What types of vehicles can be covered under a fleet insurance policy?
Fleet policies can potentially include passenger vehicles, utilities, vans, trucks and other commercial vehicles. Specialist vehicles may require additional information or different insurance arrangements.
Can different types of vehicles be insured under the same fleet policy?
Often they can. A mixed fleet may include cars, utilities, vans and trucks, although insurers will consider the overall mix and use of the vehicles when assessing the risk.
Can multiple employees drive vehicles covered by fleet insurance?
es, fleet insurance is generally designed to accommodate multiple authorised drivers. Insurers may apply conditions or additional excesses for certain drivers.
Can fleet insurance cover replacement vehicles after an accident?
Some fleet policies provide hire vehicle or replacement vehicle benefits following certain insured events. Limits and conditions vary, so this should be checked when comparing cover.
How can a business reduce the cost of fleet insurance?
Good claims management, driver training, vehicle maintenance, risk management and reviewing claims trends can all help improve a fleet's risk profile. Price is important, but the structure and suitability of the insurance program should also be considered.
Still have questions?
Every situation is different, and you may need guidance specific to your circumstances. Speak with Surety Risk Solutions for clear, practical answers and help exploring suitable insurance options.
Let's Start the Conversation.
Whether you're a business looking for commercial insurance or an adviser looking to broaden what you offer, the first step is the same. Tell us a little about the situation and we'll put you with the right specialist.