Commercial Auto Insurance Built for Local Business Use
Commercial Vehicle Coverage That Works as Hard as You Do
If your business owns, leases, or regularly uses vehicles for work, commercial auto insurance is essential. Whether you manage a small delivery van in Fort Collins or a fleet of service trucks in Laramie, your policy should protect your drivers, your property, and the public from the financial impact of accidents or breakdowns. We work with regional and national carriers to find commercial auto coverage that fits your use—whether you're transporting tools, products, or passengers. We'll help you stay compliant and road-ready.
Why Commercial Auto Insurance Matters
If your business uses vehicles for deliveries, service, or transport, commercial auto coverage protects drivers, property, and operations.
Insures Business-Owned & Operated Vehicles
From delivery vans to contractor trucks, we insure vehicles used in your daily operations or fleet work.
Includes Liability & Physical Damage
Your policy can cover damages from collisions, theft, or accidents involving your business vehicle.
Optional Coverage for Hired or Non-Owned Vehicles
We can include coverage for employees using personal vehicles for business or rented company vehicles.
Why Commercial Auto Insurance Is a Smart Investment
We know how important vehicles are to your operations—our policies protect you on the road and behind the scenes.
We protect your fleet, your drivers, and your cargo so your business can keep moving without interruption.
How We Customize Commercial Auto Insurance
We Review Your Fleet, Drivers & Vehicle Use
We evaluate how you use vehicles—whether for deliveries, service calls, or transporting goods or workers.
We Shop Multiple Carriers for Fleet & Driver Coverage
We compare rates, coverages, and exclusions from insurers who specialize in business auto protection.
We Set Up Coverage & Issue Proof Fast
We work fast to activate your policy and get you proof of insurance for contracts, leases, or licensing.
Commercial Auto Insurance FAQs for Local Businesses
What vehicles need to be covered under a commercial auto policy?
Business-owned, leased, and regularly used vehicles for commercial purposes should be listed on your commercial auto policy.
Can I add employee or personal vehicles to the policy?
Yes, you can often add hired and non-owned auto coverage for vehicles used by employees or rented for work.
What’s the difference between commercial and personal auto?
Commercial auto covers business use, higher liability limits, and additional protections not found in personal policies.
Do I need commercial auto if employees use their own cars?
If employees use personal vehicles for work, a separate policy or endorsement is often needed for full coverage.