Fleet Coverage That Fits: Protection for Every Vehicle Every Mile

Fort Collins' trusted partner for comprehensive fleet coverage, delivering personalized solutions through expert guidance since 1992.

Safeguard Your Business's Mobile Assets with Comprehensive Fleet Protection

Fleet coverage is more than just vehicle insurance – it's comprehensive protection for your business's mobile assets. At FOCO Insurance, we understand that your fleet is crucial to your operations. Our local expertise and access to multiple carriers ensure you get the right coverage at competitive rates. We'll work closely with you to develop a customized plan that protects your vehicles, drivers, and business reputation while managing costs effectively.

What you should know

How to choose the right fleet coverage for your business needs, Ways to maximize protection while optimizing costs, Risk management strategies for fleet operations, Benefits of working with a local broker for fleet insurance

Ways To Save

Implement a fleet safety program to qualify for lower premiums, Bundle multiple coverage types for potential discounts, Install vehicle tracking and security systems, Maintain good driver records through regular training, Review and adjust coverage periodically to ensure optimal protection and pricing

Prepare for your quote

Vehicle list with VINs and specificationsDriver information and license detailsSafety program documentationClaims history (if applicable)Business operations overviewCurrent coverage information (for existing policies)Preferred coverage options and deductibles

Why We Stand Out

30+ years of trusted local service in Fort CollinsAccess to multiple carriers for competitive ratesDedicated personal agent for your accountProactive risk management supportStreamlined claims process

FAQs

What types of vehicles can be covered under fleet insurance?

Coverage can include cars, trucks, vans, specialty vehicles, and sometimes trailers, depending on the policy and carrier.

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Are personal vehicles used for business covered?

Non-owned auto coverage can extend to personal vehicles used for business, but specific endorsements may be needed.

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What is commercial fleet insurance?

A comprehensive policy covering multiple business vehicles under one policy, including liability, physical damage, and specialized coverages.

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How many vehicles are needed to qualify for fleet coverage?

Requirements vary by insurer, but typically a minimum of 3-5 vehicles is needed for fleet coverage. Some carriers may require more.

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How are fleet insurance claims handled?

Claims typically go through a dedicated fleet claims team, often with specialized procedures for commercial vehicles.

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What factors affect fleet insurance premiums?

Vehicle types, driver records, coverage limits, deductibles, safety programs, claims history, and geographic operation area impact costs.

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How does fleet coverage differ from individual vehicle policies?

Fleet coverage offers streamlined management, potentially lower per-vehicle costs, and consistent coverage across all vehicles.

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What safety features can reduce fleet insurance costs?

GPS tracking, dash cams, telematics, driver training programs, and safety policies can qualify for premium discounts.

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How does driver screening affect fleet coverage?

Thorough driver screening and MVR checks can lower premiums. Many insurers require minimum driver standards.

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What is hired auto coverage in fleet insurance?

It covers vehicles your business rents or leases temporarily, extending your fleet coverage to these temporary additions.

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Experience the Difference

Ready to experience the difference of working with a trusted insurance partner? Book your appointment online or call us today for a personalized quote and expert advice.