Commercial Insurance Coverages

You’ve heard the phrase “eyes on the prize.” The trucking business may not be the simplest business there is, but it can be rewarding. It helps the community. It improves people’s lives. It’s a civic good. If you focus on what’s important, there’s no limit to how far you can go with it. You deserve a trucking insurance partner that believes in your vision as much as you do. We’ll be beside you every step of the way. Some of those steps may be stumbles, and there will be roadblocks along the way. But, with determination and persistence, anything is possible. We’ve helped so many trucking companies realize their potential. One way we’ve been able to help is through our commercial insurance coverages.

As you’ve probably noticed, there are a lot of different kinds of commercial auto coverages that your trucks may need. This process can be wildly complicated and deeply complex. We understand that you’ll probably have many questions about it. We’re more than happy to answer them. There is one thing you can do to help expedite the process: go over your driver’s risks. Get a piece of paper or open a document on your computer/phone and just write down every single risk that your driver’s might encounter in a work day. The big ones, the little ones – literally anything that could happen, just write it down. Then, when you bring it to us, we’ll be able to “zero in” and figure out what’s the best commercial insurance package for your business.

Here in Colorado, you’ll need a liability insurance plan for your drivers and trucks. That’s part of the bare minimum, but you’ll probably want more, also. Your drivers do their best, but should things go badly, liability insurance makes sure that someone has their back. Should they be at fault, it won’t sink your company. In fact, we often call this particular kind of insurance a “financial painkiller.” That means it takes the pain out, allowing your company to heal easier.

In a crash, people and property can be damaged. Both can incur quite a large expense that you won’t want to pay. That’s where our “Bodily Injury” and “Property Damage” insurance packages can come into play. Driving is stressful. Driving with the worry of “how will someone take care of me if I’m hurt” in the back of your mind can make it even more difficult. Take that worry out of your mind with our “Bodily Injury” insurance. “Property Damage” does the same, but for property. By insuring your vehicles, you’ll make the entire driving experiences easier. There’s no such thing as “worry-free” driving, but these packages can help quite a bit.

Underinsured or uninsured motorists are a problem no matter where you’re driving. Unfortunately, we have them in Colorado, too. If you’re hit by a motorist who doesn’t have insurance/enough insurance, you’re out of luck. You’ll have to pay for any damages or injuries on your own. It’s not fair, and it isn’t right. That’s why we offer “Uninsured Motorist” insurance. With this package, should you get hit by one of these motorists, you’ll be covered. You won’t be on the hook for someone else’s mistakes.

Whether you’re a trucking business owner or you’re a truck driver for hire, driver protection plans are a necessity. “Medical Payments” insurance plans cover the driver and passengers in the unfortunate event of physical injuries. We’re an animal friendly company, too. To that end, we offer “Pet Injury Coverage.” It covers any vet treatment costs, should the animals also be in the accident. “Personal Injury Protection” is exactly what it sounds like: it protects you in the event of an injury.

Trucks are critically important to your business. The wide range of commercial vehicle insurance plans we offer reflect that. “Physical Damage” and “Collision” insurance are what they sound like, and “Comprehensive” covers everything you’ll need. Beyond that, we also have “Fire and Theft with CAC” as well as “Individual Named Insured Endorsement.”

Should you only use your truck for business, we’ve got you covered there as well. “Trailer Interchange” helps your trailer, while “Motor Truck General Liability” and “Motor Truck Cargo” give you, your drivers and your clients increased peace of mind. We also offer some non-traditional packages, such as “Rental Reimbursement with Downtime” and “Trailer Interchange.” Inquire with us for even more.

We offer even more additional insurance plans. The more protected your business is, the better. “Single Deductible Endorsement,” “Drive Other Car,” “Hired Auto,” “Employer’s Non-Owned,” “Any Auto” and “Non-Owned Vehicle” are just a few of the other truck insurance plans we offer.

Remember, we’re only a phone call away, so we can help you plan your financial future. No one plans for an accident, but we can plan to make sure you and your company are okay no matter what comes down the road!