Rebecca Thompson, CPCU

Biography

Rebecca Thompson holds the Chartered Property Casualty Underwriter (CPCU) designation and has spent the last seventeen years in commercial auto underwriting and corporate risk management. She built and managed the EV fleet program for a Fortune 500 last-mile delivery operator, scaling from 40 vehicles to more than 2,800 across twelve states, and previously underwrote large-fleet trucking accounts at a national specialty carrier.

She covers the operational and underwriting realities of commercial EV adoption: telematics-led pricing, charging-depot liability, driver scoring programs, rideshare endorsements and the new fleet-electrification incentives that are reshaping commercial premium calculations in 2026.

Published articles (9)

Commercial & Fleet

Commercial EV Fleet Insurance: Underwriting Questions Before You Scale: 2026-10-19 Update 1

A fleet underwriting guide for charging, routing, driver controls, maintenance records, and cargo exposure. This is a fresh 2026-10-19 update: focus on what has changed recently, new data points, and current-year guidance — do not repeat the earlier article's coverage. Use this checklist to compare premiums, deductibles, repair support, and policy wording before renewal.

Oct 19, 2026 · 7 min read

Commercial & Fleet

Commercial EV Fleet Insurance: Underwriting Questions Before You Scale: 2026-10-18 Update 2

A fleet underwriting guide for charging, routing, driver controls, maintenance records, and cargo exposure. This is a fresh 2026-10-18 update: focus on what has changed recently, new data points, and current-year guidance — do not repeat the earlier article's coverage. Use this checklist to compare premiums, deductibles, repair support, and policy wording before renewal.

Oct 18, 2026 · 7 min read

Commercial & Fleet

Commercial EV Fleet Insurance: Underwriting Questions Before You Scale: 2026-10-17 Update 3

A fleet underwriting guide for charging, routing, driver controls, maintenance records, and cargo exposure. This is a fresh 2026-10-17 update: focus on what has changed recently, new data points, and current-year guidance — do not repeat the earlier article's coverage. Use this checklist to compare premiums, deductibles, repair support, and policy wording before renewal.

Oct 17, 2026 · 7 min read

Commercial & Fleet

EV Insurance for Drivers with Home-Based Businesses: Navigating Commercial Use & Coverage Gaps

Many EV owners use their vehicles for side gigs or home-based businesses, but standard personal policies often exclude commercial use. This article will explore how to identify coverage gaps and secure appropriate endorsements or commercial policies for business-related EV driving, distinct from ride-share or delivery. Use this checklist to compare premiums, deductibles, repair support, and policy wording before renewal.

Sep 8, 2026 · 7 min read

Commercial & Fleet

Decoding EV Insurance for Drivers with Home-Based Businesses: Work-Use Coverage

Many EV owners use their vehicles for home-based business activities (e.g., occasional deliveries, client visits). This article will analyze how personal EV insurance policies handle business use, potential gaps, and when commercial EV insurance endorsements or separate policies become necessary, citing examples for small-scale entrepreneurs. Use this checklist to compare premiums, deductibles, repair support, and policy wording before renewal.

Aug 17, 2026 · 7 min read

Commercial & Fleet

Commercial EV Fleet Insurance: Underwriting Questions Before You Scale

A fleet underwriting guide for charging, routing, driver controls, maintenance records, and cargo exposure. Use this checklist to compare premiums, deductibles, repair support, and policy wording before renewal.

Jul 26, 2026 · 7 min read

Commercial & Fleet

EV Insurance for Rental Fleets: A 2026 Guide for Car Share & Car Rental Companies

This topic addresses the unique insurance challenges and coverage needs for businesses operating electric vehicle rental fleets, including car-sharing services. It will cover liability, physical damage, and usage-based policy structures specific to short-term EV rentals, which is distinct from long-term commercial fleet operations. Use this checklist to compare premiums, deductibles, repair support, and policy wording before renewal.

Jul 18, 2026 · 7 min read

Commercial & Fleet

EV Insurance for Ride-Share and Delivery Drivers: What You Need to Know

This guide will address the specific insurance challenges and requirements for EV owners using their vehicles for ride-sharing (e.g., Uber, Lyft) or last-mile delivery services. It will differentiate between personal and commercial policies, explain necessary endorsements, and discuss potential coverage gaps for gig economy drivers. Use this checklist to compare premiums, deductibles, repair support, and policy wording before renewal.

Jul 9, 2026 · 7 min read

Commercial & Fleet

Commercial EV Fleet Insurance: A 2026 Buyer's Guide for Small Businesses

Fleet electrification is outpacing carrier appetite. Here's how to navigate the 2026 commercial EV insurance market.

Jun 2, 2026 · 12 min read