Protect Your Vehicles, Secure Your Business’s Future
Trusted by Businesses Who Rely on the Road
Our expert team protects fleets and owner-operators with deep industry knowledge and local insight—so you can focus on running your business, knowing your vehicles are covered by professionals who care.
4.9/5 Stars
Google Reviews from real customers, just like you
97% Retention
Customers stay with us year over year over year
Independent
We work for you, not insurance companies
Local
Fort Collins owned & operated since 1992
Your Safety Net on Wheels
No one ever wants to file a claim, but the right protection brings priceless peace of mind when life happens.
A Minor Fender-Bender, Major Relief
Jamie’s delivery van was clipped at a busy intersection. Their commercial auto policy covered the repairs and lost delivery time, sparing them hundreds in missed business. All it took was a quick call and paying their deductible—then their van (and their schedule) were quickly back to normal.
When Hail Strikes, You’re Covered
A heavy hailstorm left deep dents on several vehicles in Morgan’s contracting fleet. Comprehensive coverage meant fast claim service and authorized repairs, with the policy’s hail endorsement reducing out-of-pocket costs by hundreds. Operations resumed swiftly—no need to cancel jobs or disappoint clients.
Theft Threat Turned Minor Setback
When a refrigerated truck was stolen, the business was temporarily disrupted. Thanks to comprehensive coverage and theft deterrence credits, the full value of the truck was reimbursed quickly. The business owner avoided devastating loss, restoring operations and their reputation with minimal downtime.
Build the Right Commercial Vehicle Protection
Physical Damage Coverage: Pays to Repair or Replace Your Work Vehicle After Accidents, Theft, or Damage
Unexpected mishaps can put your business vehicles out of commission. Physical Damage Coverage steps in when your commercial auto is dented, stolen, or damaged—so you can keep business moving without massive repair bills or lost time.
Make Smart, Strategic Coverage Decisions
Get expert insight to choose the protection your business needs—no more, no less.
First Company Vehicle / Start-Up Owner
Launching your business means balancing cost and liability as you put your first delivery van, service car, or work truck on the road. Focus on meeting legal requirements and protecting your hard work from the unexpected. Choosing higher deductibles can lower premiums—just ensure you can cover those costs if something happens.
Best practices include using telematics for driver tracking, training your team on safe driving, and taking advantage of start-up and clean record discounts from your broker.
Growing Business / Expanding Fleet
As your company expands, protecting your fleet and your employees becomes top priority. Managing several vehicles means new exposures—think higher liability, multiple drivers, and busy job sites. Layering coverage and increasing liability limits protects your assets and gives you room to grow with confidence.
Smart moves include fleet telematics for safety and theft deterrence credits, regular policy reviews, and adding endorsements for hail, cargo, or non-owned vehicles based on your operation’s needs.
Established Enterprise / Preparing for Transition
Mature businesses with major assets need advanced risk management. As you prepare for succession or retirement, high liability limits and custom endorsements protect everything you’ve built. Consider medical payments, uninsured/underinsured motorist coverage, and comprehensive options for unique vehicles or specialty fleets.
Partner with an experienced broker for ongoing risk assessments and proactive updates. Protect your business legacy so you and your team can look forward with confidence.
The 3-Question Coverage Framework
Ask yourself these three questions for every coverage option:
1. What’s My Maximum Exposure?
Consider the largest claim your business could face—from a minor dent to a multi-vehicle collision or cargo loss. Appropriate liability limits and endorsements prevent a single event from derailing your company.
2. Can I Absorb a Loss?
Know your cash reserves and risk tolerance. If a $5,000 or $50,000 loss would strain your operation, choose deductibles and limits that keep your business safe.
3. What Risks Are Unique to Me?
Identify exposures like theft, hail, hazardous cargo, or non-employee drivers. Tailor your policy with specialty coverages and proactive risk management to avoid gaps that generic plans miss.
🚩 Red Flags: Costly Commercial Auto Mistakes 🚩
Low Liability Limits: State minimums often fall far short after a serious accident—don’t gamble your business’s survival on basic coverage.
Skipping Comprehensive/Hail Coverage: Weather and theft are leading loss causes. Dropping these options can mean tens of thousands out of pocket.
Not Listing All Drivers: Failing to disclose every employee who drives risks claim denial and uncovered losses.
Invest in Protection that Works for Your Business
Smart business owners understand that insurance isn’t just a bill—it’s a strategic investment in risk management and financial security. Know exactly what you’re paying for, and how smart choices can impact your bottom line.
Cost Comparisons
Major At-Fault Collision:
With proper coverage: $500-$1,500 (deductible + some loss of use)
Without: $100,000-$1,000,000+ (vehicle damage, liability, business interruption)
Fleet Vehicle Theft/Hail Damage:
With comprehensive: $1,000-$2,500 (deductible, covered repairs/replacement)
Self-insured: $10,000-$70,000+ (full replacement, lost business, potential lawsuits)
The Real World
$1,800 - Average annual premium per commercial vehicle. Premiums vary widely depending on vehicle, business type, and coverage levels.
42% - Percentage of comprehensive claims caused by hail or weather events in recent years.
164%+ - Premium difference between the lowest and highest average carriers; broker expertise can mean real savings.
Over $218,000 - Average uninsured liability judgment in serious commercial accidents—why proper coverage is essential for survival.
Get a Tailored Commercial Auto Insurance Quote
Experience expert service, superior coverage, and the confidence of working with a trusted local team serving hundreds of growing businesses.
FAQs
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