Commercial Fleet Gap Insurance Guide 2026: Everything You Need to Know
Last Updated: January 28, 2026 | Comprehensive Guide by Hotaling Insurance Team
Quick Summary
Commercial fleet GAP insurance protects businesses with 75+ vehicles from catastrophic financing gaps by covering the difference between insurance payouts and outstanding loan balances when fleet vehicles are totaled or stolen—essential for regional operations with mixed-ownership portfolios (owned/leased/financed vehicles), multi-state compliance requirements, and coordinated replacement cycles spanning $500K+ in annual fleet financing exposure.
Key Takeaways
- Fleet-Scale Depreciation Risk: Commercial vehicles lose 15-25% value in year one, creating immediate negative equity across 75-vehicle portfolios worth $3M-$6M+ in financing exposure
- Multi-Vehicle Total Loss Exposure: Regional fleets face 3-8 total losses annually from accidents, theft, and catastrophic damage—each creating $15K-$45K financing gaps without GAP coverage
- Mixed-Ownership Complexity: Fleets combining owned, leased, and financed vehicles require coordinated GAP strategies across different lenders, lease terms, and depreciation schedules
- Extended Fleet Financing Terms: Commercial fleet loans spanning 60-84 months keep operations “underwater” for 3-5 years, demanding ongoing GAP protection across replacement cycles
- Institutional Premium Structure: Fleet GAP coverage requires $5K+ minimum annual premiums reflecting comprehensive multi-vehicle protection, multi-state compliance, and specialized claims coordination
- Business Continuity Protection: Fleet GAP insurance prevents capital disruptions where operations must simultaneously replace totaled vehicles AND pay off financing gaps, protecting cash flow and operational capacity
What Is Commercial Fleet Gap Insurance?
Commercial fleet GAP insurance (Guaranteed Asset Protection) bridges the financial gap between what your fleet vehicles are worth and what your organization still owes on fleet financing or lease agreements. This coverage becomes critical for regional operations because commercial vehicles depreciate rapidly—most work trucks, delivery vans, and specialized equipment lose 15-25% of their value within the first year, while fleet financing typically spans 60-84 months.
The Fleet Gap Insurance Problem
Consider this common scenario: Your regional delivery operation purchases 10 cargo vans at $45,000 each ($450,000 total) with 20% down payment. Eighteen months later, three vans are totaled in separate incidents. Your commercial auto insurance pays the depreciated value of $32,000 per van ($96,000 total), but you still owe $38,000 per van on your fleet financing ($114,000 total). Without fleet GAP insurance, you’d pay an $18,000 shortfall out of pocket—for vehicles you can no longer operate—while simultaneously needing to finance replacement vehicles to maintain service capacity.
Types of Commercial Fleet Gap Coverage
- Fleet Loan GAP Insurance: Covers the difference between insurance payout and remaining fleet financing balance across multiple financed vehicles. Most common for purchased commercial fleets.
- Fleet Lease GAP Insurance: Protects against the difference between insurance settlement and lease payoff amounts for leased commercial vehicles. Often included in commercial fleet lease agreements but requires verification.
- Mixed-Ownership Fleet GAP: Coordinates coverage across fleets combining owned, leased, and financed vehicles under unified protection programs.
- Return-to-Invoice Fleet GAP: Pays the difference between insurance payout and original purchase price for fleet vehicles, regardless of financing structure—beneficial for specialized equipment with aggressive depreciation.
How Commercial Fleet Gap Insurance Works
Fleet GAP insurance activates when individual fleet vehicles are declared total losses. This includes collision damage beyond economic repair threshold, theft with no recovery within 30 days, natural disasters (floods, hail, fire) affecting fleet assets, or vandalism resulting in total loss determination.
Real-World Fleet Gap Insurance Example
Regional HVAC Contractor Fleet Case:
- Fleet composition: 85 service vans and trucks
- Total fleet value at purchase: $3,825,000
- Down payment: 15% ($573,750)
- Fleet financing amount: $3,251,250
- Financing term: 72 months
- Incident: Major hailstorm damages 12 vehicles beyond repair
- Time since purchase: 22 months
- Commercial auto insurance payout: $420,000 (12 vehicles @ $35,000 average depreciated value)
- Remaining financing balance on 12 vehicles: $522,000
- Fleet GAP insurance payment: $102,000
- Organization out-of-pocket: $0
- Business continuity impact: Fleet financing gap eliminated, allowing immediate replacement vehicle acquisition without capital disruption
Without fleet GAP insurance, this HVAC operation would have faced a $102,000 shortfall while simultaneously needing $420,000+ to replace 12 service vehicles critical to business operations—creating a $522,000 total capital requirement that could have severely impaired business continuity.
What Commercial Fleet Gap Insurance Doesn’t Cover
Commercial fleet GAP insurance has specific limitations that fleet managers must understand:
- Partial repairs or non-total loss damage to fleet vehicles
- Commercial auto insurance deductibles (organization remains responsible per vehicle)
- Overdue fleet financing payments, late fees, or penalties
- Extended warranties, service contracts, or maintenance agreements
- Rental fleet or substitute vehicle costs during claims processing
- Equipment, tools, or cargo inside fleet vehicles at time of loss
- Rolled-over negative equity from previous fleet financing arrangements
- Fleet modifications or upfitting costs not reflected in original financing
Commercial Fleet Gap Insurance Cost Analysis
Understanding commercial fleet GAP insurance pricing helps organizations make strategic decisions about fleet protection and capital allocation.
2026 Commercial Fleet Gap Insurance Pricing Structure
| Fleet Size | Typical Annual Premium | Coverage Structure | Multi-State Coordination |
|---|---|---|---|
| 75-100 vehicles | $5,000-$12,000 | Portfolio-based | 2-3 states |
| 100-150 vehicles | $12,000-$25,000 | Tiered by vehicle class | 3-5 states |
| 150+ vehicles | $25,000-$50,000+ | Custom enterprise program | Multi-state/National |
Source: Hotaling Insurance Services commercial fleet market data, 2026
Fleet GAP Insurance Pricing Factors
Commercial fleet GAP insurance premiums reflect multiple institutional risk factors that don’t apply to consumer coverage. Fleet composition significantly impacts pricing—specialized vehicles (refrigerated trucks, utility vehicles, equipment haulers) with aggressive depreciation command higher premiums than standard cargo vans or pickup trucks. Financing structure plays a critical role, with extended terms (72-84 months), minimal down payments (under 15%), and high loan-to-value ratios increasing premium requirements.
Multi-state operations require coordinated compliance across different regulatory environments, increasing administrative complexity and premium costs. Fleet age distribution matters substantially—fleets with predominantly new vehicles (under 2 years) face higher GAP exposure than operations with balanced replacement cycles. Industry risk profiles affect pricing, with high-theft markets (delivery services, construction equipment) or high-accident sectors (long-haul transportation) paying premium surcharges.
Who Needs Commercial Fleet Gap Insurance?
Fleet GAP insurance isn’t necessary for every commercial operation, but specific organizational profiles create high-risk scenarios where coverage becomes essential for financial stability and business continuity.
High-Priority Fleet Operations
- Regional Food & Beverage Distributors: Operations with 100-200+ refrigerated trucks face catastrophic financing gaps when specialized vehicles ($80K-$120K each) suffer total losses. Aggressive depreciation on refrigeration equipment creates immediate negative equity exceeding $25K-$40K per vehicle.
- Utility & Telecommunications Providers: Regional utility companies maintaining 75-150+ specialized service vehicles (bucket trucks, cable installation vans, equipment haulers) with high acquisition costs ($65K-$95K) and extended financing terms (72-84 months) remain underwater for 4-5 years.
- Construction & Multi-Trade Contractors: Operations with 85-120+ work trucks, equipment haulers, and service vans across multiple job sites face frequent total loss exposure from accidents, theft, and catastrophic damage in high-risk environments.
- Delivery & Logistics Operations: Last-mile delivery companies and regional freight operations with 100-300+ cargo vans and box trucks on aggressive replacement cycles (3-4 years) maintain constant negative equity exposure across rolling fleet financing.
- Waste Management & Sanitation Services: Regional waste haulers operating 90-150+ collection trucks and equipment vehicles ($150K-$250K per specialized unit) with extended financing and aggressive depreciation schedules.
- Healthcare Supply Distributors: Multi-state medical supply operations with 75-100+ temperature-controlled delivery vehicles requiring specialized equipment and coordinated compliance across regional territories.
- Security Patrol Services: Operations maintaining 80-120+ marked patrol vehicles on staggered replacement schedules with mixed ownership structures (owned/leased/financed) requiring unified GAP protection.
When Fleet Gap Insurance Isn’t Necessary
- Cash-purchased fleets (no financing eliminates GAP exposure entirely)
- Large down payment fleet acquisitions (30%+ equity prevents negative equity scenarios)
- Short-term fleet financing (36-month or shorter terms build equity rapidly)
- Mature fleet operations with fully depreciated vehicles (minimal financing, low market values)
- High-value trade-in programs (substantial equity from replaced vehicles reduces loan-to-value ratios)
- Self-insured organizations with capital reserves exceeding potential GAP exposure
Fleet Gap vs Commercial Auto Insurance
Many fleet managers misunderstand the relationship between commercial auto insurance and fleet GAP protection—these coverage types serve complementary but distinct purposes.
Commercial Auto Insurance Components
- Commercial Auto Liability: Covers damages to others and legal obligations (required by law, state-mandated minimums insufficient for most fleets)
- Fleet Collision Coverage: Pays for fleet vehicle damage in accidents, typically with per-vehicle deductibles ($1,000-$5,000)
- Comprehensive Fleet Coverage: Covers theft, vandalism, weather damage, fire, and other non-collision losses across fleet portfolio
- Medical Payments/PIP: Covers medical expenses for drivers and passengers in fleet vehicles
- Uninsured/Underinsured Motorist: Protects against at-fault drivers with inadequate coverage
The Fleet Coverage Gap
Commercial auto insurance pays fleet vehicles’ actual cash value (ACV) minus deductibles when total losses occur. ACV represents current market value based on depreciation schedules, not replacement cost or outstanding financing balances. This creates the “gap” between insurance settlements and fleet financing obligations—potentially leaving organizations owing tens or hundreds of thousands on vehicles they can no longer operate.
For regional fleets with 75-150+ vehicles, multiple total losses occurring simultaneously (major weather events, theft rings targeting commercial fleets, multi-vehicle accidents) can create six-figure financing gaps that severely impact capital availability and business continuity without fleet GAP protection.
Where to Purchase Commercial Fleet Gap Insurance
Three primary sources offer commercial fleet GAP insurance, each with distinct advantages for different organizational needs.
Commercial Insurance Brokers (Recommended for Mid-Large Fleets)
Advantages for fleet operations include customized coverage structures matching fleet composition and financing arrangements, multi-carrier access for competitive pricing and coverage optimization, integrated coordination with existing commercial auto policies, professional claims advocacy managing complex multi-vehicle losses, and multi-state compliance expertise for regional operations.
Specialized commercial insurance brokers like Hotaling Insurance Services provide institutional-grade fleet GAP programs unavailable through consumer-market carriers, with dedicated fleet risk management, coordinated coverage across mixed-ownership structures, and strategic guidance on fleet financing and replacement cycle optimization.
Commercial Lenders & Captive Finance Companies
Fleet financing sources frequently offer GAP coverage as add-on products during loan origination. Advantages include simplified procurement bundled with financing approval and single-source convenience for fleet acquisition and protection. Disadvantages include limited coverage customization, potentially higher premiums versus independent market options, difficult cancellation or modification mid-term, and limited flexibility for mixed-ownership fleet structures.
Fleet Leasing Companies
Commercial fleet lease agreements often include GAP coverage as standard components or optional add-ons. Benefits include integrated lease protection and simplified administration. Limitations include coverage restricted to leased vehicles only (inadequate for mixed-ownership fleets), potential premium markups versus market rates, and limited portability if lease terms change or operations transition to owned vehicles.
Commercial Fleet Gap Insurance Claims Process
Understanding the fleet GAP claims process helps organizations set proper expectations and coordinate complex multi-vehicle loss scenarios.
Step-by-Step Fleet Gap Claims Process
- Report Fleet Vehicle Total Loss: Contact commercial auto insurer immediately upon total loss determination, file police reports for theft or criminal incidents, document incident scenes with photos and detailed vehicle identification (VIN, unit number, location), and notify fleet manager and risk management personnel.
- Commercial Auto Insurance Settlement: Commercial adjuster inspects damage and determines total loss status (repair costs exceed 70-80% of vehicle value), insurer calculates actual cash value based on vehicle age, mileage, condition, and market comparables, settlement issued minus applicable deductible, and organization obtains written settlement documentation including valuation methodology.
- Fleet Gap Insurance Claim Initiation: Contact fleet GAP insurance provider (may be integrated with commercial auto carrier or separate coverage), submit required documentation including total loss settlement, current financing statement showing outstanding balance, vehicle purchase/financing documentation, and proof of vehicle specifications and condition at acquisition.
- Fleet Gap Insurance Settlement: GAP carrier verifies outstanding financing balance with lender, calculates coverage amount (financing balance minus insurance settlement), coordinates payment directly to fleet lender or lease company, and issues any remaining funds to organization if settlement exceeds financing obligation.
- Fleet Replacement Coordination: Organization coordinates replacement vehicle acquisition, potentially utilizing available fleet credit lines or working capital, and updates fleet insurance certificates and financing documentation for replacement units.
Typical Fleet Gap Claims Timeline
- Commercial auto insurance settlement: 3-6 weeks (complex for specialized vehicles requiring appraisals)
- Fleet GAP insurance processing: 2-3 weeks after commercial auto settlement
- Total process: 5-9 weeks from incident to final GAP payment and financing closure
- Multiple simultaneous claims: 8-12 weeks for coordinated processing of multi-vehicle losses
Alternatives to Commercial Fleet Gap Insurance
Several strategic approaches can reduce or eliminate fleet GAP exposure, though most require significant capital or operational changes.
Larger Fleet Down Payments
Substantial down payments (25-40% of fleet acquisition cost) often prevent negative equity situations across fleet portfolios. Organizations with strong balance sheets can leverage equity to reduce financing requirements and eliminate GAP exposure. However, this approach ties up significant working capital that many regional operations require for growth and operational needs.
Shorter Fleet Financing Terms
Accelerated financing schedules (36-48 months versus 72-84 months) build equity quickly, minimizing GAP exposure duration. Organizations accepting higher monthly fleet payments reduce loan-to-value ratios faster and eliminate negative equity within 18-24 months. This strategy requires stronger cash flow and may limit fleet expansion capacity.
Self-Insurance Strategy for Fleet Gap Exposure
Large organizations with substantial capital reserves can self-insure potential GAP exposure by maintaining emergency funds or lines of credit sufficient to cover maximum potential financing gaps. This approach requires sophisticated risk modeling calculating potential exposure across various total loss scenarios (single vehicles, multiple simultaneous losses, catastrophic events affecting significant fleet percentages).
Self-insurance works for organizations with diversified operations where fleet losses don’t impact core business continuity, but creates significant risk for operations where fleet capacity directly determines revenue generation and service delivery capability.
State-by-State Commercial Fleet Gap Insurance Regulations
Commercial fleet GAP insurance regulations vary significantly across states, affecting coverage structures, pricing, and compliance requirements for multi-state operations.
States with Specific Commercial Fleet Gap Regulations
- Texas: Strong commercial protections including mandatory disclosure requirements for fleet financing arrangements, prescribed refund calculations for early cancellation, and enhanced transparency requirements for premium structures.
- California: Strict dealer and lender licensing requirements for GAP insurance sales, mandatory cooling-off periods for commercial fleet coverage purchases, and enhanced consumer (including business) protection standards.
- New York: Stringent markup limitations on GAP insurance sold through commercial lenders, required disclosure of alternative coverage options, and mandatory comparative pricing information.
- Florida: Enhanced commercial protections following high complaint volumes in fleet financing sector, including standardized coverage definitions and claims processing timelines.
Multi-State Fleet Operations Considerations
Regional fleets operating across multiple states must coordinate GAP coverage compliance with varying state requirements. This includes navigating different cancellation and refund rights by state, varying premium taxation and fee structures, state-specific disclosure and documentation requirements, and coordinated claims processing across multiple jurisdictions.
Specialized commercial insurance brokers provide critical value for multi-state fleets by managing compliance complexity, coordinating unified coverage across varying state requirements, and ensuring seamless protection despite different regulatory environments.
Expert Recommendations for Fleet Gap Insurance Decisions
Based on Hotaling Insurance Services’ experience protecting regional fleet operations nationwide, here are our professional recommendations for commercial fleet GAP insurance decisions.
When Fleet Operations Must Purchase Gap Insurance
Immediate purchase scenarios include new fleet acquisitions with less than 20% down payment, extended financing terms (60+ months) across fleet portfolio, high-depreciation vehicle categories (specialized equipment, refrigerated units, high-theft models), mixed-ownership fleet structures requiring coordinated protection, and regional operations in high-theft or catastrophic weather markets.
When Fleet Operations Should Strongly Consider Gap Insurance
Consider fleet GAP coverage for fleets under 3 years old with majority vehicles still depreciating rapidly, operations with rolling replacement cycles maintaining constant negative equity, organizations with limited capital reserves unable to absorb financing gaps, and businesses where fleet capacity directly determines revenue generation and service delivery.
When Fleet Gap Insurance May Not Be Necessary
Skip fleet GAP coverage for cash-purchased fleets with zero financing exposure, large down payment acquisitions (30%+) creating immediate positive equity, short-term financing (36 months or less) building equity rapidly, mature fleets with minimal outstanding financing balances, and self-insured organizations with dedicated capital reserves exceeding maximum potential GAP exposure.
Frequently Asked Questions
Does fleet GAP insurance cover deductibles on total loss claims?
No, commercial fleet GAP insurance typically doesn’t cover your primary commercial auto insurance deductibles. Your organization remains responsible for paying collision or comprehensive deductibles on each total loss vehicle, and GAP insurance covers the remaining difference between the insurance payout and your fleet financing balance for that specific unit.
Can we add GAP coverage to an existing fleet financing agreement?
Yes, but timing and fleet size restrictions apply. Most commercial insurers require GAP coverage purchase within 60-90 days of fleet acquisition or major fleet expansion. For established fleets with mixed-age vehicles, carriers evaluate coverage availability based on fleet composition, financing terms, and vehicle depreciation schedules. Availability and pricing vary significantly based on fleet profile.
How long does our fleet operation need GAP insurance?
Fleet GAP insurance needs typically span 3-5 years for operations with standard financing terms, as scheduled principal reduction eventually creates positive equity across the vehicle portfolio. However, fleets with rolling replacement cycles, mixed ownership structures (owned/leased/financed), or aggressive depreciation schedules may require ongoing GAP coverage. Organizations should conduct annual fleet valuation analysis comparing aggregate loan balances against current market values to determine continued coverage necessity.
Does fleet GAP insurance cover negative equity rolled from previous fleet financing?
No, commercial fleet GAP insurance only covers the difference between current vehicle values and the loan balances specifically for those units in your existing fleet. It doesn’t cover rolled-over negative equity from previous fleet financing arrangements, trade-in shortfalls from replaced vehicles, or consolidated debt from prior fleet programs. Each financed vehicle or vehicle group must have GAP coverage based solely on its current loan-to-value position.
Is fleet GAP insurance required by law?
Fleet GAP insurance is not legally required in any state. However, commercial lenders frequently require GAP coverage as a financing condition, particularly for fleet purchases with minimal down payments, extended financing terms (60+ months), or operations in high-theft markets. Lease agreements for commercial fleets often include GAP coverage as a standard component, though verification of specific lease terms remains essential.
What happens if multiple fleet vehicles are totaled simultaneously in a catastrophic event?
Fleet GAP insurance coordinates coverage across multiple simultaneous total losses, which commonly occur during major weather events, theft rings, or multi-vehicle accidents. Each vehicle’s GAP claim is processed individually based on its specific financing balance and insurance settlement, but experienced commercial brokers coordinate unified claims submission and expedited processing to minimize business disruption and accelerate replacement vehicle acquisition.
How does fleet GAP insurance work with mixed ownership structures (owned/leased/financed vehicles)?
Commercial fleet GAP coverage can be structured to protect mixed-ownership portfolios, with separate coverage components for financed vehicles (loan GAP), leased units (lease GAP), and even owned vehicles with liens or equipment financing. Specialized commercial insurance brokers design unified programs providing seamless protection across different ownership structures within single fleet operations, eliminating coverage gaps and coordination challenges.
Commercial Fleet Gap Insurance Through Hotaling Insurance Services
Hotaling Insurance Services operates exclusively in the commercial fleet sector serving regional operations with 75+ vehicles where coverage complexity demands specialized brokerage expertise rather than consumer-market solutions. Our institutional fleet insurance programs protect organizations managing sophisticated vehicle portfolios across diverse industries requiring comprehensive GAP protection strategies.
Who We Serve: Regional Fleet Operations
- Regional Food & Beverage Distribution: Operations with 100-200+ refrigerated trucks and delivery vehicles facing complex depreciation schedules on specialized equipment ($80K-$120K per unit), extended financing terms (72-84 months), and coordinated GAP coverage across mixed-ownership portfolios operating in 3-6 state territories.
- Utility & Telecommunications Providers: Regional utility companies and telecommunications services maintaining 75-150+ specialized service vehicles including bucket trucks ($85K-$125K), cable installation vans, equipment haulers, and technical service vehicles across multi-state service territories requiring comprehensive total loss protection strategies.
- Construction & Multi-Trade Contractors: Large regional construction companies and multi-branch contractors operating 85-120+ work trucks, equipment haulers, service vans, and specialized construction vehicles across multiple simultaneous job sites requiring seamless multi-state compliance and coordinated replacement cycle management.
- Delivery & Logistics Operations: Regional courier services, last-mile delivery companies, and freight operations managing 100-300+ cargo vans, box trucks, and delivery vehicles on aggressive replacement cycles (3-4 year rotations) requiring ongoing GAP coverage across rolling fleet financing programs.
- Waste Management & Sanitation Services: Regional waste haulers and sanitation companies operating 90-150+ collection trucks, recycling vehicles, and equipment haulers ($150K-$250K per specialized unit) with extended financing terms and significant depreciation exposure requiring institutional GAP protection.
- Healthcare Supply Distribution: Medical equipment and pharmaceutical supply distributors operating 75-100+ temperature-controlled delivery vehicles across 4-5 state regional territories requiring specialized coverage coordination, regulatory compliance management, and seamless GAP protection for mission-critical fleet assets.
- Security & Patrol Services: Regional security companies maintaining 80-120+ marked patrol vehicles on staggered replacement schedules with varying financing terms, mixed ownership structures, and coordinated coverage requirements across municipal contracts and multi-location service territories.
Our Commercial Fleet Gap Insurance Approach
We don’t compete in the consumer market or handle single-vehicle coverage. Our focus is institutional fleet risk—operations where vehicle program complexity, multi-state compliance, replacement schedules, and liability coordination require dedicated commercial insurance expertise. Our minimum engagement threshold ($5,000+ annual premium) ensures we can deliver the specialized service that regional fleet operations demand, with premiums reflecting the comprehensive protection and expertise these sophisticated insurance programs require.
Hotaling Insurance Services provides multi-carrier access for competitive fleet GAP pricing and coverage optimization, customized program design matching specific fleet composition and financing structures, integrated coordination with commercial auto policies and excess liability coverage, multi-state compliance management for regional fleet operations, dedicated fleet risk management and loss control consultation, and professional claims advocacy managing complex multi-vehicle total loss scenarios.
Why Regional Fleet Operations Choose Hotaling
Our clients require institutional-grade fleet insurance programs that consumer-market carriers cannot provide. Regional operations with 75-300+ vehicles need brokers who understand fleet financing complexity, depreciation management across diverse vehicle classes, coordinated replacement cycles, and business continuity protection when multiple vehicles suffer total losses simultaneously.
We protect operations where fleet capacity directly determines revenue generation and service delivery capability—organizations that cannot absorb six-figure financing gaps without severe business disruption. Our fleet insurance specialists work with CFOs, VPs of Operations, and fleet managers to design comprehensive protection strategies addressing GAP exposure, liability limits, cargo coverage, and business interruption risks across unified commercial insurance programs.
Discuss your commercial fleet GAP needs with Hotaling’s fleet insurance specialists to explore how we protect multi-vehicle operations against catastrophic financing gaps that could impact business continuity, capital planning, and operational capacity. Our team evaluates your fleet composition, financing structure, replacement cycles, and multi-state exposure to design optimal GAP protection strategies integrated with your broader commercial insurance program.
Important Disclaimer
This article is for informational purposes only and does not constitute financial, legal, or insurance advice. Consult with our qualified commercial insurance professionals before making fleet coverage decisions. All cost estimates are approximate and subject to underwriting approval and individual fleet risk assessment.
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About the Author
The Hotaling Insurance Team brings over two decades of expertise in commercial fleet risk management and institutional insurance programs. As a family-office insurance firm, we specialize in protecting regional fleet operations and businesses nationwide requiring sophisticated coverage solutions. Our core values—Excellence, All-In, Grind & Bind, Do Right, and Extreme Ownership—guide every client interaction.
Last Review Date: January 28, 2026