Commercial Auto Insurance in Colorado
Protect Your Business Vehicles with Local Coverage
Get tailored insurance quotes for your trucks, vans, fleets or cars — from Colorado brokers who know your state and business.
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What Does Commercial Auto Insurance Cover?
Commercial auto insurance helps protect the vehicles your Colorado business relies on. Whether you own a single truck or operate a full fleet, your policy can be tailored to cover:
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Business-owned vehicles
Vehicles titled to your company and used exclusively for business operations.
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Personal vehicles used for work
Coverage for personal cars driven for business purposes, such as site visits or deliveries.
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Fleet vehicles
Multiple vehicles owned and operated under your business for transporting goods, equipment, or personnel.
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Delivery vans and trucks
Vehicles used for local or statewide deliveries — including last-mile services.
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Commercial trailers
Towable equipment or trailers used for hauling tools, machinery, or inventory.
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Service and contractor vehicles
Pickup trucks, vans, and specialized vehicles used by electricians, landscapers, HVAC techs, and other trades.
Colorado Businesses That Need Commercial Auto Insurance
If your company uses any vehicle for work — even occasionally — commercial auto insurance is often required by law or contract. Many small businesses in Colorado qualify without realizing it. Recent data shows that fleet accident risk has increased significantly, making proper coverage more critical than ever for Colorado businesses.
Industries That Commonly Need Coverage:
🏗️ Construction contractors
🌿 Landscaping and lawn care services
🏠 Real estate professionals
🍔 Food trucks and mobile vendors
📦 Courier and delivery services
🧹 Cleaning and janitorial businesses
🤝 Nonprofit organizations with transport vehicles
❄️ Snow removal operators
🏥 Home healthcare providers
🔨 Trades: HVAC, plumbing, electrical
What's Required by Colorado Law?
If your business owns or operates vehicles in Colorado, there are state regulations you can’t afford to ignore. Even if you only use a vehicle occasionally for work — delivering materials, driving to job sites, or transporting clients — commercial auto coverage may be required by law or contract.
⚖️ State Minimum Liability
Colorado requires a baseline level of auto liability coverage for all commercial vehicles. According to the Colorado Division of Insurance, this typically includes bodily injury and property damage protection — enough to cover damages if your business is at fault in an accident.
📋 Permits for Fleet and Vehicle Types
Certain industries must carry permits and meet compliance standards tied to how vehicles are registered and used. For example, fleet-based businesses or those transporting materials may have added regulatory obligations.
🚗 Hired and Non-Owned Auto Insurance
If your team ever drives personal vehicles for business — or rents trucks temporarily — this endorsement is often required by contracts or leasing agreements.
⚠️ Employer Liability Gaps
Some general liability policies exclude vehicle-related incidents. Without proper commercial auto coverage, you could be exposed to lawsuits or denied claims.
Optional Add-Ons for Better Protection
While commercial auto insurance protects your vehicles and liability, don’t forget that workers compensation insurance is also required if you have employees driving for your business. These policies work together to provide comprehensive protection
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Hired & Non-Owned Auto Insurance (HNOA)
Protects your business when employees drive their personal vehicles for work — or when you rent or lease vehicles temporarily. Commonly required in vendor or client contracts.
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Roadside Assistance for Commercial Vehicles
Covers towing, lockouts, flat tire repair, and emergency services designed specifically for business-use vehicles — minimizing operational downtime.
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Rental Reimbursement
Pays for a temporary vehicle while a covered vehicle is being repaired after an accident. Keeps your team on the road and service interruptions to a minimum.
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Cargo Insurance
Insures tools, equipment, or client property in transit. A must-have for delivery services, contractors, and businesses transporting goods.
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Collision and Comprehensive Coverage
Protects your own vehicle from damage due to accidents, theft, vandalism, or weather — even when your business is not at fault.
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Uninsured/Underinsured Motorist Coverage
Provides protection if another driver causes an accident but lacks adequate coverage. Especially important in Colorado, where uninsured driver rates remain a risk.
What Affects the Cost of Commercial Auto Insurance in Colorado?
Commercial auto insurance rates have risen significantly in recent years due to increased accident severity and claims costs. While pricing varies by provider and policy type, several consistent factors affect how much your Colorado business will pay for commercial auto coverage.
🏢 Type of Business and Vehicles Used
Colorado requires a baseline level of auto liability coverage for all commercial vehicles. This typically includes bodily injury and property damage protection — enough to cover damages if your business is at fault in an accident.
🚗 Driving History and Violations
Past accidents, speeding tickets, or DUI charges — even for a single employee — can impact eligibility and rates across your entire policy.
📊 Fleet Size and Vehicle Usage
More vehicles = more exposure. Daily mileage, business hours, and vehicle types (e.g., light-duty vs heavy-duty) all influence rating tiers.
📋 Claims Record and Loss History
Insurers evaluate your recent claims to determine future risk. Frequent or high-cost claims lead to higher premiums or coverage restrictions.
📍 Business Location and Operating Area
Urban areas like Denver may bring higher premiums due to traffic, theft, and accident rates. Rural areas may offer lower base rates but fewer discounts.
💰 Coverage Selections and Deductibles
Choosing higher liability limits or full coverage raises costs — while opting for higher deductibles can reduce your premiums but shift more risk to you.
Our brokers help you get the best rate — even if you’ve had claims or drive high-risk routes.
Why Choose The Brokerage Insurance Group?
Local brokers. No call centers. Just real, expert help.
If you’re looking for commercial auto insurance in Colorado, here’s why small business owners across the state trust The Brokerage Insurance Group:
What Sets Us Apart:
- Colorado-based brokers who understand your business risks
- No call centers — speak directly with licensed agents who care
- 30+ carriers compared to find your best rate and coverage fit
- Fast quotes and policy turnaround — we keep it moving
- Claim support from real people (not 800 numbers)
🎯 Bonus: We’re small business owners too.
We know how hard it is to run a business. That’s why we make coverage simple, responsive, and built around your bottom line.
— Jarrett , Licensed Colorado Broker
Areas We Serve in Colorado
Wherever your business is based — we’re here to help. Our licensed Colorado brokers proudly serve businesses across the state. Whether you operate in the city, suburbs, or mountain towns, we provide local guidance and fast quotes.
Key areas include:
Not sure if we serve your area?
Commercial Auto Insurance FAQs
Yes — if you regularly use your personal vehicle for business tasks (like deliveries, transporting tools, or meeting clients), personal auto insurance may not cover work-related incidents. In Colorado, many business owners unknowingly operate uncovered. A non-owned or business-use policy closes that gap.
Personal auto insurance covers private, non-business use.
Commercial auto insurance is designed for:
- Business vehicle use
- Multiple drivers or employees
- Heavy equipment or tools
- Higher liability needs
If your business owns or operates a vehicle, commercial coverage is essential.
Yes — if your business owns or leases a vehicle, Colorado law requires you to carry minimum liability insurance. Additionally, certain contracts or client agreements may require higher coverage limits, especially for contractors or delivery companies.
Hired & Non-Owned Auto (HNOA) insurance protects your business when:
- Employees use their own cars for business purposes
- You rent or lease vehicles for short-term use
It covers liability claims — but not physical damage — to the rented or employee-owned vehicles.
Yes — many Colorado carriers offer flexible commercial policies that cover part-time, seasonal, or even temporary drivers. Your quote will reflect how often the vehicle is driven, who’s driving, and how it’s used. This is especially useful for construction, landscaping, or delivery businesses.
Fleet insurance is often available for as few as two vehicles. It can offer better rates and simplified billing for:
- Contractors
- Delivery services
- Service-based businesses
Ask your broker whether your setup qualifies for mini-fleet pricing.
Trusted by Colorado Business Owners Like You
Real Colorado businesses trust The Brokerage for fast, reliable commercial auto coverage — tailored to their industry and fleet.
“Our old policy didn’t even cover subcontractors driving their own trucks. The Brokerage found a better plan fast — and saved us $1,200 a year.”
“They walked us through everything — permits, trailers, liability limits — without the jargon. Finally, a broker who gets Colorado.”
“Claims used to take forever. Now I can call someone local and get real answers. We moved our entire fleet to The Brokerage.”
Get a Fast, Local Quote Today
Skip the call centers — connect directly with a licensed Colorado broker who knows the local market, DMV rules, and what your business actually needs. Quotes are fast, free, and come with expert support.
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