Business vehicle coverage for Colorado Springs contractors and small businesses

Your work vehicles help keep the business moving. Client's Choice Insurance helps Colorado Springs business owners compare commercial auto insurance options for business cars, pickup trucks, work vans and vehicle fleets. We are a veteran-owned, family-operated independent agency serving Colorado Springs and the Front Range.

Request a commercial auto quote Call (719) 286-9425

Business cars and work trucks

Discuss how each vehicle is used, who drives it, where it is kept and the liability limits your contracts request. Tell us about trailers, equipment carried and trips beyond your usual service area.

Contractor vans and fleets

Whether you operate one service van or several vehicles, bring an up-to-date vehicle and driver list. We can discuss available options around your operations and review changes as the business grows.

Hired and non-owned auto

Let us know if employees drive personal cars for work or you rent vehicles. Hired and non-owned auto exposures need a separate discussion; do not assume they are included in every policy.

What should you review in a commercial auto quote?

Compare more than the premium. Review liability limits, available comprehensive and collision coverage, deductibles, covered drivers, vehicle use and any exclusions or endorsements. Ask how trailers and rented vehicles are treated. Coverage is subject to the issued policy, conditions and exclusions.

What information helps us prepare your quote?

Business name, address and a description of your work
Vehicle year, make, model and VIN, plus garaging locations
Driver information, vehicle use and typical travel area
Current policy details, requested limits and available claims history
Details about trailers, rented vehicles and employee-owned vehicles used for work

Send documents through our contact page so we can tell you the appropriate way to provide driver and other sensitive information.

Commercial auto insurance questions

Can I use a personal auto policy for my work vehicle?

Business use can affect eligibility and coverage. Describe the actual vehicle use to your agent and review the policy before relying on it for business driving.

Are tools in my truck part of my auto coverage?

Discuss the tools and equipment separately from the vehicle. Ask which policy addresses those items, where it applies and what limits and deductibles apply.

Can you help contractors compare other business insurance?

Yes. Explore our commercial insurance services and trade information for general contractors, HVAC contractors and roofing contractors.

Discuss your business vehicles

Commercial Auto Insurance in Colorado Springs

A broker who knows contractor risk — not a call center reading from a script.

Tailored Plans

Coverage built around your trade, your payroll and your job mix.

Quick Claims

We report it, track it, and stay on the adjuster until it's closed.

Shopped Every Renewal

We re-market your account at renewal instead of just re-billing it.

What kinds of businesses do you insure?

Mostly Colorado commercial contractors — roofers, general contractors, plumbers, electricians and residential remodelers — along with other small businesses in Colorado Springs and across the state. We also handle personal lines for our commercial clients and their families.

How do I get a quote?

Call (719) 286-9425 or send us your details through the contact page. We'll tell you exactly what the carriers need — usually payroll, annual receipts, a schedule of vehicles or equipment, and any loss runs — then market it and walk you through the differences.

How fast can I get a certificate of insurance?

Most requests go out the same business day. Send the holder's exact name and address, plus any additional insured, primary and non-contributory, or waiver of subrogation wording your contract calls for, and we'll match it.

Do I need workers' compensation in Colorado?

Generally yes — Colorado requires coverage once a business has employees, including part-time and family. Sole proprietors and certain officers can reject coverage for themselves, but most general contractors will still want a policy or a signed rejection on file before you start work. We'll walk you through which applies to you.

How do I file a claim?

Call us first at (719) 286-9425. We'll report it to the carrier, get you the claim number and the adjuster's contact information, and stay involved until it's resolved. After hours you can report directly to your carrier and let us know the next morning.