Once a snow removal business runs more than a couple of vehicles, insuring each truck on its own policy becomes a chore and often costs more than it should. A commercial fleet policy puts your trucks, and sometimes your trailers and licensed equipment, under one policy with one renewal date.
When a Fleet Policy Makes Sense
Insurers set their own thresholds, but fleet rating often becomes available at around five vehicles. Below that, individual commercial auto policies are the norm. Your broker can tell you where the line sits with the insurers available in your province.
What Fleet Coverage Usually Includes
- Third party liability for every listed vehicle
- Collision and comprehensive, which can be set per vehicle so an older truck carries less physical damage coverage than a new one
- Coverage for mounted plows and spreaders when declared
- Simplified adding and removing of vehicles mid season
Drivers Matter
Fleet pricing is heavily influenced by who drives. Driver abstracts, experience and any at fault accidents feed into the rate. A written hiring and driver monitoring policy can help your broker present the fleet well.
Seasonal Fleets
Many snow removal trucks sit for months. Ask your broker how the policy treats vehicles that are stored in the off season, and whether coverage can be reduced when trucks are parked. See seasonal snow plow insurance.
Provincial Differences
Fleet options depend on the auto system in your province: private insurers in Ontario and Alberta, ICBC in British Columbia and SGI in Saskatchewan. See plow truck insurance for the single vehicle picture, and hired and non owned auto for vehicles you do not own.
SnowPlowInsurance.ca is an independent referral service, not an insurance company or broker. We connect you with licensed brokers who provide quotes and advice. How this site works.
Frequently Asked Questions
How many trucks do I need for a fleet policy?
It varies by insurer and province. Fleet rating often starts around five vehicles, but your broker can confirm.
Can I add a truck to my fleet policy mid winter?
Usually yes. Fleet policies are designed to make adding and removing vehicles simple.