# KGM Commercial Fleet — Own Goods & Private/Public Hire (/docs/insurers/kgm/commercial-fleet)

---
type: Document
title: KGM Commercial Fleet — Own Goods & Private/Public Hire
description: Appetite and decline criteria for KGM Commercial Fleet, own goods and private/public hire.
status: stable
sources:
  - id: fok-1
    resource: "KGM Motor Commercial Fleet Appetite (March 2025)"
generated: { by: "process:claude-code", at: 2026-09-21T12:56:20Z }
ksor:
  audience: [public]
  owner: human:vasimisap
  approval: { by: "human:vasimisap", at: 2026-09-21T12:56:20Z }
trust_tier: unverified
build_id: sha256:90bed6a582e1fba4b2bd6c66927dce23e751fe30227e8bad437b26c28f47ae91
source_commit: bc549a4402eb7fefdad306a82c002bb53cc58ba3
ksor_version: 0.0.60
---

## KGM Commercial Fleet — Own Goods appetite

Capacity: Zurich (AA (S&P) / A+ (A.M. Best) rated), underwritten by KGM on
a bespoke basis. Dedicated support team with direct access to
underwriters.

Eligibility: UK registered companies or sole traders with evidence of
operation. Companies operating in the UK only, with a proven history.
Fleets with at least 3 years' confirmed claims experience.

Vehicles: commercial vehicles up to 7.5t. Business use cars. Minimum of 5
vehicles, no maximum.

See also the shared decline list (kgm-commercial-fleet-declines.md) —
applies to this offering as well as Private Hire / Public Hire.

## KGM Commercial Fleet — Private Hire / Public Hire appetite

Capacity: Zurich (AA (S&P) / A+ (A.M. Best) rated), underwritten by KGM on
a bespoke basis. Dedicated support team with direct access to
underwriters.

Eligibility: UK registered companies or sole traders with evidence of
operation. Companies operating in the UK only, with a proven history.
Fleets with at least 3 years' confirmed claims experience.

Vehicles: taxis up to 9 seats and mini-buses up to 17 seats (including
driver). Minimum of 5 vehicles, no maximum.

Licensing: rural and semi-rural licensing authorities.

See also the shared decline list (kgm-commercial-fleet-declines.md) —
applies to this offering as well as Own Goods.

## KGM Commercial Fleet — what we don't quote on

Applies to both Own Goods and Private Hire / Public Hire offerings.

Decline: companies operating fully or partly in carriage of goods for
hire & reward, carriage of hazardous goods, multi-drop, self-drive-hire,
waste disposal, security services, financial/legal services, emergency
services, domestic services, charity, or religious fields.

Decline: companies operating outside the UK. Companies operating in
hazardous locations. Vehicles which go airside. SD&P-only vehicles
(social, domestic & pleasure — no business use).

Decline: "car only, Own Goods fleets" — as listed in the source slide.
This bullet is terse in the original (three comma-separated fragments);
worth confirming the exact intent with the domain owner before relying on
it — it reads as fleets that are Own Goods but consist only of cars
(no vans/trucks), but that isn't stated explicitly.