COMMERCIAL AUTO INSURANCE IN COLORADO SPRINGS
Keep your business moving with coverage for your vehicles, drivers, and operations. Compare multiple insurance companies.
Independent Agency
Multiple Insurance Companies
Personal Local Service
Insurance Experience Since 2011
COVERAGE BUILT AROUND YOUR BUSINESS VEHICLES
Every business uses vehicles differently. We help you compare coverage that fits your vehicles, drivers, operations, and budget.
COMMERCIAL AUTO LIABILITY
Helps pay for bodily injury or property damage when you or an insured driver is legally responsible for an accident involving a covered business vehicle.
COLLISION COVERAGE
Helps pay to repair or replace a covered business vehicle after a collision, subject to your deductible.
COMPREHENSIVE COVERAGE
Helps protect covered business vehicles against non-collision losses such as theft, vandalism, hail, fire, falling objects, and animal damage.
UNINSURED/UNDERINSURED MOTORIST
Helps cover eligible injuries when an insured driver is involved in an accident with someone who has insufficient insurance or no insurance.
MEDICAL PAYMENTS
Helps pay eligible medical expenses for you and your passengers after an accident, regardless of who caused it, up to the selected limit.
HIRED & NON-OWNED AUTO
Provides liability protection for certain vehicles your business rents, hires, or uses but does not own, including employee-owned vehicles used for business.
More Options.
Personal Guidance.
As an independent insurance agency, McCloskey Advisor Group can compare coverage from multiple insurance companies instead of offering products from only one company. We look beyond the price to help you understand the coverage, limits, deductibles, and options included with each quote.
✓ Quotes from multiple insurance companies
✓ Coverage explained in plain language
✓ Options based on your vehicles, drivers, and operations
✓ Continued assistance as your business changes
ADDITIONAL PROTECTION FOR COMMERCIAL VEHICLES
MOTOR TRUCK CARGO
Helps protect covered property or goods your business transports for others while in transit.
RENTAL REIMBURSEMENT
Helps pay eligible costs for a temporary replacement vehicle when a covered vehicle is unavailable after a covered loss.
TOWING & ROADSIDE ASSISTANCE
Provides assistance with covered towing, jump-starts, flat tires, lockouts, and other roadside emergencies.
AUTO LOAN/LEASE GAP
May help cover the difference between what you owe and the vehicle’s actual cash value following a covered total loss.
Commercial Auto Insurance FAQs
Answers to common questions about commercial auto insurance in Colorado from McCloskey Advisor Group, your local independent agency in Colorado Springs.
What vehicles can be covered by commercial auto insurance?
Commercial auto policies may cover cars, pickups, cargo vans, service vehicles, box trucks, trailers, and other vehicles used for business. Eligibility depends on the vehicle and how it is used.
Which Colorado Springs businesses need commercial auto insurance?
Businesses that own, lease, rent, or regularly use vehicles for work often need commercial auto insurance. In Colorado Springs, we commonly help contractors, plumbers, electricians, HVAC and roofing companies, landscapers, cleaning services, delivery and courier businesses, food trucks, and other service businesses that drive to job sites. Businesses with several vehicles often add a commercial umbrella for higher liability limits.
What are Colorado’s minimum liability limits for business vehicles?
Colorado requires vehicles registered in the state to carry at least $25,000 per person and $50,000 per accident for bodily injury, plus $15,000 for property damage. Those minimums are rarely enough for a business. Many companies choose much higher limits, and clients, general contractors, and leases often require them. Some vehicles and operations may also need additional state or federal filings, so we review your situation before quoting.
Does my personal auto policy cover business use in Colorado?
Personal auto policies may exclude or limit certain business activities. A commercial auto policy may be necessary when a vehicle is primarily used for work, titled to the business, or driven by employees.
Are employees covered when driving company vehicles?
Employees can generally be listed as authorized drivers, subject to the insurance company’s eligibility and underwriting requirements. All regular drivers should be disclosed. Injuries to your own employees while driving for work are generally handled by workers’ compensation.
What is hired and non-owned auto coverage?
Hired and non-owned auto coverage provides liability protection for certain rented, hired, or employee-owned vehicles used for business purposes when your company does not own the vehicle. It can often be added to a general liability or business owners policy when you do not need a full commercial auto policy.
How much does commercial auto insurance cost in Colorado?
The cost depends on your vehicles, drivers, business use, operating radius, coverage limits, deductibles, garaging location, and claims history. We compare quotes from multiple insurance companies to help you find the right coverage at a competitive price. Request a commercial auto quote to see your options.
Can I add or remove vehicles on a commercial auto policy?
Vehicles can generally be added or removed as your business changes. Contact us promptly whenever you purchase, sell, or replace a business vehicle. Current clients can use our client service form.
What information is needed for a commercial auto insurance quote?
We generally need vehicle information, VINs, driver names and license numbers, garaging locations, business use, operating radius, coverage selections, and prior insurance details. You can request a commercial auto quote online.
Ready to protect your business vehicles? We compare options from multiple insurance companies for single vehicles and fleets. Request a commercial auto insurance quote or see all business insurance options.