Industries · 02
Property Maintenance & Field Services
Work vans, service pickups, mobile equipment, and technician fleets.
Field-service businesses run many vehicles on dense daily routes, often with a driver assigned to each unit and vehicles going home at night. Underwriters focus on driver quality across a large roster, route driving, and the equipment and materials carried on board.
Industries in this category
- Landscaping & Grounds Maintenance CompaniesCrew-cab trucks pulling trailers on daily routes.
- Tree Trimming & Arborist CompaniesChip trucks, bucket trucks, and chipper trailers.
- Irrigation ContractorsService pickups and vans carrying parts and trenching equipment.
- Pool Construction & Service CompaniesRoute trucks with chemicals and equipment, plus construction crews.
- Pest Control CompaniesRoute vehicles carrying treatment equipment and materials.
- Commercial Janitorial & Cleaning CompaniesVans and pickups moving crews and equipment between client sites.
- Water, Fire & Storm Damage Restoration CompaniesBox trucks and vans with drying and extraction equipment, often after hours.
- Commercial Building Maintenance CompaniesTechnician vans and pickups covering many client properties.
- Security Patrol CompaniesMarked patrol vehicles driven around the clock.
- Telecommunications & Fiber Optic ContractorsBucket trucks, splicing vans, and boring equipment.
What underwriters focus on
- Many drivers, including seasonal and newer technicians
- Take-home vehicles and on-call rotations
- Daily route density and urban driving
- Trailers, mounted equipment, and materials or chemicals carried
- Client contracts with detailed insurance specifications
Coverage worth reviewing
- Written driver eligibility and MVR standards
- Hired and non-owned auto
- Accurate values for vehicles and permanently attached equipment
- Contract-compliant limits and endorsements
- Coordinated general liability and umbrella
Where we fit. We work best with established businesses running several vehicles, often 5 to 50, with current commercial auto coverage and a reason to review it. Eligibility depends on the operation and the insurance companies involved.
Questions fleet owners ask
Our technicians take vehicles home. Is that a problem?
Not necessarily, but it must be disclosed and controlled. Underwriters will ask about personal use and who else in the household may drive. See our article on take-home vehicles.
Does the auto policy cover equipment on our trucks?
Permanently attached equipment may be covered under auto physical damage when properly valued. Portable tools and equipment are generally covered under inland marine.
Ready for a serious look at your fleet program?
Start with what you have. We’ll tell you what we need next.