Let us help you protect your commercial vehicles, drive the importance of safety home.

Fleet Insurance for Metro-Denver Businesses

A lot goes into insuring your fleet of vehicles – from choosing the right coverage to managing drivers and maintenance for safety and protection of one of your most valuable assets. Mountainside Insurance Management works with a number of insurance companies that specialize in providing Fleet insurance while also offering safety programs to help minimize loss – critical in today’s litigious environment where multi-million-dollar auto liability verdicts have become more commonplace. 

How Does Fleet Insurance Work?

Fleet insurance enables businesses to insure all their vehicles under a single policy with the cost of insurance varying depending on the size and use of the fleet. For example, insurance for service fleets typically will cost less than delivery fleets, as most delivery fleets also need insurance that protects the goods they transport.

You must carry Liability insurance for the fleet, as required by both federal and state laws, to protect your business in the event one of your drivers is in an accident and found to be at fault. Coverage includes:

  • Bodily Injury Liability: Pays for legal defense and remuneration for any injuries or death associated with an accident for which your business is at fault.
  • Property Damage Liability: Provides protection if one of your vehicles damages another person’s property.
  • Combined Single Limit (CSL): A type of policy that attaches the same dollar amount of coverage for any instance, whether bodily injury and property damage.


Additional coverages include:

  • Uninsured/Underinsured Motorists: If one of your vehicles is involved in an accident with an uninsured or underinsured motorist, this type of coverage can protect your assets and avoid your business paying out of pocket for medical expenses.
  • Physical Damage: Protects your vehicles from weather events, theft, vandalism and other events that harm your vehicles. All types of assets can benefit from this coverage.
  • Collision: Protects against the costly repairs when vehicles are hit by another car or object.

Safety First

Along with our insurers, we will work with you to help ensure your drivers are practicing safe driving skills on the road. This begins with smart hiring practices and regular training. In addition, there are telematics devices available to track vehicles and collect data such as hard braking, speeding, sudden acceleration, and even time of day, to determine and improve driving behavior. These practices and tools will help you keep costs in line and improve your risk profile. 



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