Commercial Auto Insurance
Whether your team is making deliveries, hauling tools, or driving between job sites, your business vehicles need the right protection. Commercial auto insurance helps Colorado businesses stay covered—on the road and off—while meeting legal requirements and managing real-world risks.
What’s Covered by Commercial Auto Insurance
Liability Coverage
Pays for injuries or property damage your driver causes to others in an accident—required by law in Colorado.
Collision Coverage
Helps pay for damage to your company vehicle after a crash, regardless of who was at fault.
Comprehensive Coverage
Covers damage caused by hail, vandalism, theft, fire, falling objects, and more—essential for unpredictable Colorado weather.
Uninsured/Underinsured Motorist Coverage
Protects your business if your vehicle is hit by someone without enough insurance to pay for the damages.
Hired and Non-Owned Auto Coverage
Extends protection when employees drive personal or rented vehicles for work purposes.
Why Commercial Auto Insurance Matters in Colorado
It’s Required by State Law
Colorado requires liability insurance for all business-owned vehicles—and proof of insurance must be carried at all times.
Hailstorms and Winter Roads Are Risky
Colorado is one of the top states for hail damage, and icy roads create serious accident risks—comprehensive and collision coverage are critical.
Employee Use Can Create Liability
If an employee gets into an accident in a company vehicle—or their own while on the job—your business can be held responsible. Proper coverage protects you from lawsuits and unexpected expenses.
Colorado Commercial Auto Insurance FAQs
What’s the difference between commercial and personal auto insurance?
Commercial auto insurance covers vehicles used for business purposes, which often involve greater risk and liability than personal driving. Personal auto policies usually exclude coverage when a vehicle is used for deliveries, transporting tools, or carrying passengers for work. Colorado businesses need commercial auto insurance to stay compliant and properly protected.
Who needs commercial auto insurance in Colorado?
Any Colorado business that owns or leases vehicles, or has employees driving for work, should carry commercial auto coverage. This includes contractors, real estate agents, delivery services, and more. Even if your team uses personal vehicles, hired and non-owned auto coverage is often needed.
Does commercial auto insurance cover trailers and equipment?
It can, but coverage varies. Most policies will cover company-owned trailers if they’re listed, and you may be able to add endorsements for tools or equipment transported with the vehicle. We’ll help make sure everything your team hauls is covered while driving across Colorado.
Can employees drive personal vehicles for work under my policy?
Not unless you have hired and non-owned auto coverage. This endorsement helps protect your business when employees drive their own vehicles for work tasks—like picking up supplies or visiting a client. Without it, your business could face liability if they cause an accident.
How are premiums for commercial auto insurance calculated in Colorado?
Premiums are based on vehicle type, usage, driving history, number of drivers, and geographic risks. Operating in high-traffic areas like Denver or regularly driving through mountain corridors can influence your rate. RPM Agency compares carriers to help you find the best protection at the best price for your business.