Independent rental fleet
Rent vehicles directly to customers.
- Starting with one vehicle
- Moving beyond a rental platform
- Adding cars or entering a new state
Trucking + independent rental fleets
Your first stop for fleet insurance.
Starting with one vehicle or growing to thirty? Tell Indem what you run, where you operate, and what is blocking you. We help eligible fleets find a clear path to licensed insurance review.
Applications are reviewed on a rolling basis. Applying does not guarantee a quote, price, coverage, placement, or binding.
Rental fleetsFrom first vehicle to independent operation
Trucking fleetsFrom owner-operator to growing carrier
Pilot accessApplications reviewed on a rolling basis
Why we built Indem
A software engineer bought one car. Then the fleet grew to 30.
Our cofounder Fan built production AI systems before becoming a rental-fleet owner. As the business grew, insurance became one of the hardest parts to understand, maintain, and scale. Indem is the first stop we wish had existed.
- 01One vehicle
Learn the business by operating it.
- 0230 vehicles
Turn one repeatable rental into a real fleet.
- 03About $500K
Annual gross rental revenue at fleet scale.
- 04Build Indem
Make fleet insurance easier to start and grow with.
This is one founder's operating history, not a revenue or profit projection for another fleet.
The two-minute Fleet Builder
Could your fleet make it through year one?
Pick the decisions you would make from the first vehicle through fleet scale. Get a readiness score and one practical next step.
Software engineerFleet owner
Which business are you building?
This educational challenge is not insurance advice and does not determine eligibility, pricing, coverage, placement, or binding.
Two ways to begin
What kind of fleet are you building?
You do not need insurance vocabulary. Start with how the vehicles make money and how people use them.
Trucking fleet
Move freight with your own authority or operation.
- Insuring a first truck
- Adding equipment or drivers
- Preparing for renewal or growth
The Indem promise
The first stop, not another insurance maze.
We learn how your fleet actually operates, explain what comes next in plain language, and stay with the account as it moves through licensed insurance review.
AI handles repetitive information work behind the scenes. Licensed insurance professionals handle recommendations, quoting, placement, and binding.
- 01Tell us what you run
Truck or rental fleet, first vehicle or growing operation.
- 02Get a clear next step
Know what is needed and whether current partners can review it.
- 03Move the case forward
Eligible accounts proceed with appropriately licensed professionals.
The larger mission
Build insurance around real fleet behavior.
Better operating information can reduce avoidable processing cost and help insurers understand a fleet more clearly. It cannot guarantee a lower premium.
- NowPlace eligible fleets
Work with licensed partners and available insurance markets.
- NextLearn across the portfolio
Build credible operating and loss insight with fleet consent.
- LaterCreate dedicated capacity
Evaluate specialized programs or captive structures when scale and regulation permit.
Indem does not currently offer a captive-backed insurance product. Any future program would require licensed, carrier, capital, and regulatory partners.
Invite-only fleet insurance pilot
Start by applying for the pilot.
Start your insurance request 24/7. Tell us about your fleet in about two minutes. Daily support, typically within 5 minutes when online.
Applications welcome from every U.S. stateCoverage availability varies by state, carrier appetite, and licensed partner authority.
Have VINs, policy documents, or driver's-license records ready? Start here, and we will contact you with a secure way to share them.