Keep Your Business Moving with the Right Auto Coverage
Business Vehicles Need More Than Personal Policies
Don’t risk denied claims or policy gaps
If you use a vehicle for work—whether it’s making deliveries, hauling equipment, or visiting clients—you likely need commercial auto insurance. Freedom Insurance helps Colorado businesses get properly covered for real-world risks, not just legal minimums. We work with a wide range of carriers to find affordable, contract-compliant policies for your trucks, vans, and business-owned cars.
What Commercial Auto Covers
More than just collision
Commercial auto insurance typically includes:
Liability for injuries or damage caused by your vehicle
Collision and comprehensive for vehicle repairs or replacement
Medical payments
Uninsured/underinsured motorist coverage
Hired and non-owned auto (HNOA) for borrowed or employee-owned vehicles
Loading/unloading liability and towing
If your work takes you across county lines, to job sites, or onto private properties, we’ll make sure your coverage reflects your risks.
Vehicle Types We Cover
From local fleets to single-owner operations
We insure many vehicle types used in Colorado businesses, including:
Pickup trucks with tool racks
Cargo vans and delivery vehicles
Service trucks for plumbing, HVAC, landscaping
SUVs used for client transportation
Food trucks and specialty-use vehicles
Have a mix of personal and business use? We’ll help define the right structure so your claim isn’t denied later.
Who Needs Auto Insurance in Florida?
Every Florida driver needs protection, but some situations make coverage even more essential:
- Commuters – Facing daily traffic on I-95, I-75, and local highways.
- Families – Protecting multiple drivers and vehicles.
- Motorcycle & Classic Car Owners – Specialized coverage for unique vehicles.
- Local Residents – Facing South Florida’s storms, floods, and uninsured drivers.
Local Risks to Consider
Living in Broward, Palm Beach, and the entire state of Florida means facing unique risks:
- Severe Storms & Hurricanes – High winds and flooding can cause costly vehicle damage.
- Heavy Traffic – Increases the likelihood of accidents and repairs.
- Uninsured Drivers – Florida has one of the highest uninsured driver rates in the U.S.
Commercial Auto in Colorado
Common questions from local business owners
Can I just use personal auto insurance for my work truck?
In most cases, no. If the vehicle is titled to your business or used primarily for business tasks, personal insurance may deny claims.
Do I need commercial auto if I use my own car for deliveries?
Possibly. HNOA coverage or endorsements may be needed to protect your business from liability.
How is pricing calculated for commercial auto?
Rates depend on vehicle type, usage, driving records, coverage limits, and more. We shop around to find the best match.
What’s the difference between HNOA and a standard policy?
Hired and non-owned auto coverage protects you when using vehicles not owned by your business, like employee cars or rentals.
Can I add new vehicles to my policy later?
Yes. We can update your policy anytime to reflect changes in your fleet.
Protect Your Car with Confidence
Get the Right Auto Insurance in Florida
At The Marcus Group, we treat your protection like it’s our own. With decades of experience, local knowledge, and access to multiple carriers, we’ll make sure you have the right auto insurance for peace of mind on South Florida’s roads.
