From delivery vans to service trucks, every vehicle is critical to your operations, and one accident can cost far more than just repairs.
Commercial auto insurance protects your business from the financial hit of collisions, injuries, and property damage. At Trailstone Insurance Group, we help you find the right coverage for your fleet and your drivers, so you can focus on running your business without worrying about what’s on the road ahead.
If your business owns, leases, or uses vehicles for work, a personal auto policy will not protect you. Commercial auto insurance keeps your operations moving and shields you from financial risk every time your vehicles are on the road.
Accidents happen, and without proper coverage you could be paying for repairs, medical bills, and legal costs out of pocket. Commercial auto insurance ensures those costs are covered so your business stays on track.
Whether it is vans, trucks, service vehicles, or employee-owned cars used for deliveries, commercial auto insurance can be customized to cover them all.
Many clients, contracts, and jobs require proof of commercial auto coverage before they will work with you. Having it shows you take safety and responsibility seriously.
No matter what you drive, the right coverage keeps your business moving forward. Here are some of the most common vehicles we insure:
Protects your van and the tools or equipment inside, plus liability for accidents on the job.
Covers both the vehicle and any attached trailers or equipment used for business purposes.
Shields your business from losses due to accidents, theft, or damaged cargo.
Includes bucket trucks, dump trucks, and other specialty vehicles with higher replacement costs.
Covers cars used to transport clients, employees, or for sales calls.
Provides centralized protection for multiple vehicles under one policy.
It is easy to assume your personal auto policy will step in if a vehicle is being used for work. The reality is, most personal policies exclude business use entirely, leaving you exposed when you need coverage the most.
A delivery run, a trip to a job site, or even driving to meet a client could all be denied under a personal policy. That means repair costs, medical bills, and legal fees could come straight out of your business account.
One uncovered accident can stall your operations, drain your finances, and damage your reputation with customers.
Commercial auto insurance is built for the way your vehicles are really used. It keeps your business moving forward no matter where the road takes you.
Lana S., Durango, CO
Getting the right insurance should not be confusing or stressful. With our four-step process, you get protection you can trust and the confidence of knowing that when disaster strikes, so that you know you are covered the right way.
You want to protect your business, but you’re not sure where to start. That’s where we come in.
Because before we can protect your business, we need to know your business.
You stay focused. We handle the details. You’ll receive real options built around your needs, not just your business type.
With access to 100+ carriers and strong industry relationships, we deliver quotes tailored to your business.
We explain how each policy works with real claim examples, share our honest recommendation, and answer every question on the spot.
You’ll know exactly what you’re buying and why.
You choose the coverage, we handle the rest. From final negotiations to certificates.
When you have a question, we’re here to help.
At Trailstone Insurance Group, we believe insurance shouldn’t be complicated. Below are some of the most common questions we hear from customers. If you don’t see your question here, feel free to contact us or speak directly with an agent, we’re here to help.
State minimums are usually too low for businesses. Trailstone typically recommends at least $1M in liability, especially since business assets can be at stake in lawsuits. Umbrella coverage can also extend these limits affordably.
All regular drivers should be listed. Occasional drivers may be covered, but undisclosed primary drivers can lead to denied claims. Trailstone makes sure your policy is structured correctly.
Sometimes, but not always. It’s usually an endorsement. Trailstone often recommends a third-party roadside plan instead, since claims can impact your loss history.
Insurance shouldn't feel confusing. Our Learning Center gives you clear, helpful information so you can make confident choices about your coverage.