Businesses that insure five or more vehicles, not including trailers, that are being used for commercial purposes may qualify to be rated as a fleet. “Fleet rating” is a means of looking at a group of vehicles all as one. This means that the group of vehicles is rated as how the vehicles are used as a whole, as well as the claims each vehicle has had taken together to determine a premium. Fleet policies can include several different vehicles, including heavy trucks to lighter vehicles such as pick-up trucks, vans and trailers. As with any insurance policy, the safer the vehicles/the less risk, the lower the insurance rates. Discuss with your broker about a fleet rating if you have five or more vehicles that your business uses for commercial reasons.