Commercial Insurance
Commercial Auto Insurance in Colorado Springs, CO
If a vehicle is titled to your business, wrapped with your logo, or used to haul tools and crews around Colorado Springs, a personal auto policy is the wrong place for it. Personal policies carry business-use exclusions that surface at exactly the wrong moment.
Commercial auto covers liability, physical damage, and the drivers you put behind the wheel — including the exposure created when an employee runs a parts pickup in their own truck.
What it covers
- Liability for bodily injury and property damage you cause in a covered vehicle
- Collision and comprehensive on owned trucks, vans, and trailers
- Hired and non-owned auto liability for rented and employee-owned vehicles
- Uninsured and underinsured motorist coverage
- Attached equipment and permanently mounted racks, subject to the form
What it typically doesn't
- Tools and loose equipment in the vehicle — those sit on an inland marine policy
- Wear and tear, mechanical breakdown, and maintenance
- Injury to the driver on the job, which is a workers' compensation matter
- Vehicles used for personal-only purposes by non-employees
- Cargo you haul for hire, unless motor truck cargo is added
Who in Colorado Springs usually needs it
Service contractors running vans, builders towing trailers to jobsites, distributors making local deliveries, and any Colorado Springs business whose employees drive on company errands.
Structure
How limits and deductibles get set
Nothing here is a quote or a promise of coverage — every program depends on the carrier, the form issued, and your operation. These are the decisions that usually matter most.
Contract-driven limits
Many commercial and public jobs require a combined single limit at or above $1,000,000 for any auto. Verify before you bid, not after you win.
Driver lists and MVRs
Carriers price on motor vehicle records. A written driver-qualification standard and annual MVR pulls help keep a fleet placeable in a hard market.
Symbol selection
How the policy is symbolled determines whether hired, non-owned, and newly acquired vehicles are picked up automatically. It is a small detail with large consequences.
Common questions
- My employees use their own trucks. Am I exposed?
- Yes. Liability can follow the employer when an employee drives on company business, even in a personal vehicle. Hired and non-owned auto liability is the coverage designed for that exposure.
- Are the tools in my van covered by commercial auto?
- Typically not. Loose tools and portable equipment belong on an inland marine or tools and equipment policy.
- Does commercial auto cover a trailer?
- Trailers are generally scheduled for physical damage and picked up for liability while attached to a covered vehicle, but terms vary by form — we confirm it in writing on your policy.
This page is general information only and is not legal, tax, or coverage advice. Actual coverage is governed by the terms, conditions, limits, and exclusions of the policy as issued.
Next step
Get a commercial auto quote in Colorado Springs
Independent and local. Tell us what you need covered and we'll go to the markets that write it.