800-947-7244

Fleet Insurance in Olathe KS & Overland Park KS

If your business owns and operates three or more vehicles as part of its daily operations, you may be eligible for a fleet insurance policy. These plans resemble a commercial auto policy that covers many vehicles at the same time, helping you to meet coverage requirements at an affordable rate.

Industries that can benefit from fleet insurance coverage include:

  • Government agencies
  • Construction companies (including those with large construction vehicles like bulldozers)
  • Taxi services
  • Vehicle rental companies
  • Delivery services
  • Any other company that operates a fleet of vehicles

As of 2013, the Bureau of Transportation Statistics found that there were over eleven million fleet vehicles in service, with government and rental use seeing the most growth over the years.

Fleet Insurance Features: Commercial Auto Insurance

Commercial vehicle policies are a major part of fleet insurance, and they cover the vehicles themselves against damage and loss.

In most cases, fleets that focus on services (handymen, locksmiths, and similar professions) will see the largest discount on their premiums. Vehicles used for retail work, such as delivering food or flowers, usually see a more moderate reduction in premiums. Finally, companies that ship either people or large volumes of products see the lowest reduction, simply because there tends to be more damage in a collision. The current average is more than $20,000 for each incident, and since fleet drivers tend to be on the road far more than the average person, there’s a greater likelihood of a collision sooner or later. However, this is when having the proper insurance coverage becomes invaluable.

What's Covered by Fleet Insurance

The main component of fleet insurance is its blanket coverage of vehicles and employees—any employee will be insured while driving any vehicle in your fleet unless they've been specifically excluded from the policy. This is ideal for companies where vehicles frequently have different drivers, as well as companies that have vehicles out on the roads on a regular basis. All fleet insurance policies will meet or exceed the minimum amount of coverage required for commercial vehicles in your area.

If you're not sure whether a vehicle you use qualifies for coverage under a fleet policy (for example, you have a privately-owned vehicle that's also used for business purposes), talk a AHI Group agent and they'll let you know if your vehicle is eligible.

 

1. Hatfield, Gary, and Janis Christensen. "10 Ways to Reduce Fleet Costs." Fleet Financials. March 2014. Accessed April 27, 2016. http://www.fleetfinancials.com/article/story/2014/02/10-ways-to-reduce-fleet-costs.aspx.

2. "Table 1-14: U.S. Automobile and Truck Fleets by Use (Thousands)." Bureau of Transportation Statistics. Accessed April 27, 2016. http://www.rita.dot.gov/bts/sites/rita.dot.gov.bts/files/publications/national_transportation_statistics/html/table_01_14.html_mfd.

3. "Do You Know the True Cost of Fleet Accidents?" Telogis Blog. Accessed April 27, 2016. http://www.telogis.com/blog/cost-of-fleet-accidents/.

AHI Group

2143 E 151st St

Olathe, KS 66062

Main office: 913-320-0129
Toll free: 800-947-7244
Fax: 913-839-1479

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Our Providers

Testimonials

Scott has handled my firm's E&O Insurance and my personal health insurance for several years. He responds quickly, gets quotes/renewals in on time, and is in general a pleasure to work with. I highly recommend him!
Amy Speck Vinton, Overland Park, KS
Finally, here’s an insurance agency that treats you like a person and not a number. They truly are about their customers’ best interests. We can’t stress how much we enjoyed the personal touch and interest that the Coffmans demonstrated. I will recommend them to all my friends and business associates for all their insurance needs!
Richard Lewis, Overland Park, KS
I am pleased to tell anyone interested that the commitment level at AHI is well over 100%. I will sing their praises to the moon!!
Tom Acree, Shawnee, KS
You are wonderful! I LOVE working with you! You are pleasant, you’re professional, you’re proactive, and you do the right thing for the customer. A BIG thanks!
Kathy Vervaecke, Kansas City, MO
Scott’s professionalism and personal care impressed me. He presented me with a package of better coverage at lower rates. I am already recommending AHI to friends.
Clark Smith, Overland Park, KS