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Comprehensive Fleet Insurance Provided by Marlow Campbell Insurance Group

Protecting Your Business Fleet in North Carolina

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Fleet Insurance Provided By Our Agency

As a business owner, it's crucial to have insurance coverage for the vehicles you use in your operations, just as you would for personal vehicles. Your Business Owners Policy (BOP) does not cover business vehicles, necessitating a separate fleet insurance policy.

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Bodily injury
Property damage
Comprehensive coverage
Coverage for insured
Overnight vehicle insurance

Bodily injury coverage

Risk Factors

If a person is injured while on your business premises, your business could be responsible for all related medical expenses


Bodily injury liability coverage pays for any injuries or death associated with an accident for which your business is at fault. Often, this coverage includes legal defense.

Property damage coverage

Risk Factors

If your vehicle collides with a third-party vehicle and damages it, you become liable for their loss.


Property damage liability coverage protects if one of your vehicles damages another person’s property.

Comprehensive coverage

Risk Factors

Your vehicles are often exposed to risks like fire, theft, and other natural hazards and require sufficient protection.


This can cover loss or damage to vehicles by fire, accidents, burglars, natural calamities, and other unexpected calamities.

Coverage for insured/driver

Risk Factors

Your driver can meet an accident while driving your vehicle and suffer bodily injuries.


This provides coverage for the insurer/driver. In addition, multiple fleet insurance policies cover injuries to the driver.

Overnight vehicle insurance coverage

Risk Factors

Your driver can meet an accident while driving your vehicle at night and incur great damage to your vehicle along with the goods in transit.


Many policy providers offer coverage for fleet overnight also since some businesses might need their vehicles to transport goods within one night.

Understanding Fleet Insurance

Having the right commercial fleet insurance is essential for small to medium-sized businesses in North Carolina with a fleet of vehicles. Your business depends on these vehicles for delivering goods and services, and any loss or damage could severely impact your operations and finances. Without fleet insurance, you could face significant costs for repairs or replacements, alongside lost business revenue.

Key Types of Business Fleet Insurance

  • Liability Insurance
  • Bodily Injury
  • Property Damage
  • Medical Payments
  • Physical Damage Insurance
  • Comprehensive Physical Damage
  • Collision Damage
  • Specified Peril (CAC)
  • Uninsured or Underinsured Motorists
  • Bodily Injury
  • Property Damage
  • Collision Deductible Waiver (CDW)

Additional Business Fleet Insurance Options

  • Rental Coverage
  • Towing Services
  • Accessories (e.g., mileage meters, navigation units, radios)

Determining the Cost of Fleet Insurance in North Carolina

Insurers consider several factors when determining your policy premium. Key factors include the number and type of vehicles insured and the location of your business. Insurance rates can differ significantly by state and region, with rural areas having lower costs than urban centers. Additionally, the kind of vehicle plays a role; cars with high repair costs or popular targets for theft typically cost more to insure.

Policies for fleet insurance protect not just the driver and the car but also the business, pedestrians, and other drivers. The right policy and coverage limitations will depend on how your commercial vehicles are used specifically. Regular personal car insurance usually does not provide sufficient coverage for commercial use, making fleet insurance indispensable.

Contact Marlow Campbell Insurance Group in North Carolina Today

We at Marlow Campbell Insurance Group can assess your risks and offer competitive auto fleet insurance program costs tailored to your business needs. Contact us today to learn how we can protect your business fleet in North Carolina.

Already have Fleet Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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