Define factors such as the size of your fleet, the type of vehicles you have, and the specific risks associated with your fleet operations. It is essential to assess your fleet's needs and potential liabilities accurately to determine the appropriate coverage limits for your business. Working with an experienced insurance broker is the best way to do this as they'll possess valuable insight from similar fleets and deep insurance industry knowledge. They can help you select the right types of coverage, such as liability, full collision coverage, comprehensive, or uninsured/underinsured motorist coverage, based on your specific needs.