For businesses that rely on vehicles every day, your fleet is not only an asset it’s an essential part of your operation. An accident, vehicle theft or extended downtime can affect productivity, customer commitments, cash flow and profitability.
At RSM Group, we take the time to understand how your fleet operates before recommending an insurance solution. From the vehicles you operate and the work they perform to driver profiles, claims history and risk management practices, we look at the big picture to develop a fleet insurance program tailored to your business.
The RSM Group approach
No two commercial fleets are the same. The insurance requirements of a transport operator can be very different from those of a civil contractor, waste business, construction company or organisation operating a fleet of commercial vehicles. That’s why our approach starts with understanding your business.
We consider the size and composition of your fleet, how and where vehicles are used, the people driving them, the goods or equipment they may carry and the impact vehicle downtime could have on your operations. This allows us to approach the insurance market with a clearer understanding of your risks and identify solutions appropriate to the way your fleet actually operates.
Developing your fleet insurance program
Understand your business
We start by understanding your operations, the role your fleet plays and the potential impact if vehicles are damaged or unavailable.
Assess the insurance market
As an independent broker, we can approach appropriate insurers and assess available options based on your particular requirements.
Review your fleet
We consider vehicle types, values, usage, locations, drivers and other factors relevant to your insurance requirements.
Develop your insurance solution
We work with you to develop a fleet insurance program balancing protection, risk and commercial considerations.
Understand your claims experience
Claims history can provide important insights into fleet risk. We look beyond the numbers to understand why incidents occur and where risks may be reduced.
Review as your business changes
As vehicles are added or removed and your operations evolve, we help ensure your insurance arrangements continue to reflect your business.
Managing risk before an accident happens
Effective fleet management is about more than responding to accidents. Driver behaviour, vehicle maintenance, operating environments, journey planning and incident management can all influence the frequency and severity of claims.
At RSM Group, we work with clients to better understand their claims experience and identify opportunities to strengthen fleet risk management.
A proactive approach can help protect your people and vehicles, reduce operational disruption and demonstrate to insurers that your business takes fleet risk seriously.
When one of your vehicles is involved in an incident, getting the claim moving quickly can be critical to keeping your business operating.
At RSM Group, your claim isn’t simply handed over to a separate claims department. Your dedicated Account Manager, the person who understands your business, assessed your risks and helped develop your fleet insurance program remains your advocate throughout the claims process.
They understand the role your vehicles play in your business and the operational impact of having a vehicle off the road. This continuity allows us to communicate effectively with insurers, keep you informed and advocate for the best possible outcome while helping minimise disruption to your operations.
As an independent, family owned brokerage, we answer to our clients, not insurance companies. We aren’t restricted by any preferred insurer arrangements which means we can focus on finding the solution that’s right for your business. By taking the time to understand your operations and risks, we provide tailored advice, broader market access and the confidence that every recommendation is made with your best interests in mind.
Independent
Family-owned
No preferred insurer panels
No insurer ownership
Advice driven by client needs
Fleet expertise across a range of industries
RSM Group works with businesses operating commercial fleets across a range of industries, including:
Transport & Logistics
Waste & Resource Recovery
Civil Contractors
Construction
Aboriculture
Family Entertainment
Commercial Businesses
Frequently asked questions
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Let’s talk about your fleet
Whether you operate a growing commercial fleet or manage vehicles across complex operations, the right insurance program starts with understanding how your business works.
Talk to RSM Group about your fleet, your risks and how we can help protect the vehicles your business depends on.
