Colorado · Commercial auto
The business owns the trip, so the personal policy steps out
Commercial auto in Colorado is the policy for a vehicle that exists to do the company’s work: tools in the truck, a delivery, a crew, a client visit that is the job. A personal auto policy is built for the household. It does not become a business policy because the drive was short, and it does not cover a truck you own that is hauling for pay.
Title in an LLC, a certificate a general contractor demands, and employees who drive as part of paid work are the usual reasons to start here. The contractor’s number is a contract requirement. It is not Colorado’s personal liability floor. That personal floor is $25,000 per person and $50,000 per accident for bodily injury, and $15,000 for property damage. Commercial limits, radius, and for-hire filings are a different set of rules. A filing such as a Form E, where one is required, proves financial responsibility. It is not the policy.
Quotes move with the vehicle schedule, the drivers’ records, how far the truck goes, where it is garaged, and the loss history. A Denver-only radius and a regular run over the mountains are not the same risk. Hail on a commercial truck is physical damage, after that deductible, only if you bought physical damage. We do not promise a percent off for “switching to commercial.”
The product: Colorado commercial auto. Heavier for-hire units: Colorado commercial truck. The rest of the firm: Colorado business insurance. Personal, so you can see what it is not: Colorado car insurance options. The state regulator: Colorado Division of Insurance.
