Commercial Auto Insurance in Denver, Colorado

Why Denver Businesses Need Commercial Auto Coverage

Commercial auto insurance covers vehicles owned or used by your business. Whether you drive a single pickup truck or manage a fleet of delivery vans in the Denver area, this coverage protects against accidents, theft, vandalism, and liability. Personal auto policies typically exclude business use, so you need commercial coverage if you use vehicles for work. This includes making deliveries, visiting job sites, transporting materials, or meeting clients throughout Colorado.

What Does Commercial Auto Insurance Cover?

Commercial auto covers liability for injuries and property damage you cause while driving for business. Collision coverage pays for vehicle damage from accidents, while comprehensive covers theft, vandalism, fire, and weather damage. Medical payments cover injuries to you and your passengers regardless of fault. Uninsured motorist protection covers you when hit by drivers without insurance. The policy also covers rental reimbursement and towing expenses.

Benefits of Commercial Auto Insurance for Colorado Businesses

Personal auto policies deny claims for business vehicle use, leaving you personally liable for damages. Commercial auto protects your business assets if you cause an accident and covers vehicle repairs or replacement after accidents or theft. Colorado law requires liability coverage for registered business vehicles. Commercial policies also provide higher liability limits than personal policies, giving your business greater protection.

Do I Need Hired and Non-Owned Auto Coverage?

If employees use personal vehicles for business errands or you rent vehicles occasionally, hired and non-owned auto coverage fills the gap. It protects your business when commercial auto policies don't apply to these vehicles. Many Denver businesses add this coverage to their commercial auto policy for complete protection.

How Are Commercial Auto Premiums Calculated?

Your premium depends on the vehicle types, their value, how they're used, miles driven, driver records, and coverage limits. Vehicles used for long-haul delivery cost more to insure than those driven locally. Maintaining clean driving records for all employees and choosing appropriate deductibles can help reduce your costs. Our agents can review your fleet and driving patterns to find the best rates.

Get a Commercial Auto Insurance Quote in Denver, Colorado

Our commercial auto insurance agents serve Denver, Colorado and surrounding areas including Aurora, Golden, Lakewood, Thornton, and Westminster. Contact Seguros Ideal Inc today for a free quote.