Your Business Vehicles — Covered Wherever They Go.
From service vans and company cars to delivery trucks and fleets, your vehicles keep your business moving. At Rocky Mountain Insurance Advisors (RMIA), we help Castle Rock businesses protect their vehicles, drivers, and financial stability with customized Commercial Auto Insurance built for Colorado roads.
Commercial Auto Insurance provides protection for vehicles used in your business — covering accidents, property damage, and liability claims that personal auto insurance won’t.
It protects both your company and your drivers against the financial impact of collisions, weather, or theft involving vehicles used for business operations.
Whether you have one vehicle or an entire fleet, RMIA ensures your business stays protected on every trip.
Castle Rock’s fast-growing business environment — with daily travel between Denver, Parker, and Colorado Springs — means your company vehicles face heavy traffic, long commutes, and unpredictable weather.
Without commercial auto coverage, an accident could lead to costly repairs, medical bills, or lawsuits.
A dedicated commercial policy ensures you’re covered for business use, employee driving, and cargo protection.
Common Local Risks:
Hail and storm damage (especially during Colorado’s spring season)
Rear-end collisions on I-25 and Front Range highways
Theft or vandalism in commercial parking areas
Employee vehicle use for deliveries or job sites
A solid commercial auto policy typically includes:
1. Liability Coverage
Covers bodily injury or property damage your business is responsible for in an accident.
2. Collision Coverage
Pays to repair or replace your vehicle after an accident — regardless of fault.
3. Comprehensive Coverage
Protects against theft, vandalism, hail, fire, and other non-collision damages.
4. Medical Payments Coverage (MedPay)
Helps cover medical costs for you and your passengers after an accident.
5. Uninsured/Underinsured Motorist Coverage
Covers your costs if you’re hit by a driver with insufficient insurance.
6. Hired & Non-Owned Auto Coverage
Extends protection to vehicles your employees use for business purposes but don’t own.
RMIA provides coverage for nearly every business vehicle type, including:
Passenger Cars & SUVs
Pickup Trucks & Vans
Service and Utility Vehicles
Box Trucks & Flatbeds
Food Trucks & Delivery Vehicles
Fleet & Multi-Vehicle Operations
Castle Rock’s central location between Denver and Colorado Springs makes commercial driving part of everyday business. RMIA understands the regional challenges — hail exposure, traffic density, and long-distance travel — and works with top carriers to create policies built for Colorado’s conditions.
Whether you’re a contractor, logistics company, or local delivery service, we make sure your coverage matches your real-world driving risks.
Independent & Local: We represent multiple insurers to find you the best value and protection.
Expert Advisors: We understand fleet operations, delivery routes, and contractor vehicle use.
Fast Proof of Coverage: Get Certificates of Insurance (COIs) same-day for contracts or permits.
Claims Support You Can Count On: We help manage repairs, claims, and renewals with care.
Personal auto policies exclude business use. Commercial auto covers vehicles used for deliveries, job sites, or transporting clients or materials.
Yes — if your vehicle is used for business purposes, the state requires liability coverage that meets commercial minimums.
Your policy covers you, your employees, and any permitted drivers operating insured vehicles for business use.
Yes. Add Hired and Non-Owned Auto Liability to protect your business when employees use their own vehicles for work.
Rates depend on vehicle type, driving records, and usage. Most Castle Rock businesses pay between $900 and $2,500 per vehicle annually. RMIA shops multiple carriers for your best rate.
Experience clarity, confidence, and care with every step — from discovery to claim.
We assess your coverage needs and explain everything in plain language — no jargon, no confusion.
As an independent agency, we partner with multiple carriers to bring you the most competitive coverage options.
When you have a question, change, or claim — we’re just a call away, ready to assist you personally.
Accidents happen — but financial loss doesn’t have to.
Let RMIA help you secure a Commercial Auto Insurance policy that keeps your business protected every mile of the way.
