Commercial Auto Insurance Tailored to Construction Businesses 

Construction companies in Colorado rely on their vehicles every day. With so much riding on these trucks, vans, and specialty vehicles, having the right commercial auto insurance becomes essential for longterm stability.

A standard policy is rarely enough for the demands of the construction industry. Heavy loads, rugged terrain, unpredictable weather, and busy job sites all increase the likelihood of accidents or damage. That’s why construction businesses benefit from commercial auto coverage designed specifically for their operations.

Why Construction Companies Face Higher Onroad Risks

Construction vehicles encounter conditions that most commercial fleets never experience. These risks make tailored coverage especially important.

• Frequent travel to job sites—Crews often move between multiple locations each day. Job sites may be remote, unfinished, or difficult to access, increasing the chance of collisions or vehicle damage.
• Moving heavy equipment and materials—Transporting tools, machinery, and building materials adds weight and complexity. Overloaded or improperly secured cargo can lead to accidents or damage.
• Harsh weather and terrain—Colorado’s weather can shift quickly, and mountainous or uneven terrain creates additional hazards for drivers.
• Mixed vehicle types—Construction businesses often operate a combination of pickup trucks, flatbeds, dump trucks, trailers, and utility vans. Each vehicle type has unique coverage needs.
• Employee drivers—Multiple employees may operate company vehicles, and their driving habits directly influence risk exposure.

These factors make it clear that construction companies require more than a basic commercial auto policy.

What Tailored Commercial Auto Insurance Includes

A policy designed for construction businesses goes beyond standard coverage. It addresses the realities of the industry and the demands placed on vehicles and drivers.

Key features may include:

• Coverage for vehicles used to transport tools, equipment, and materials
• Coverage for permanently attached equipment such as cranes, lifts, or tool racks
• Hired and non-owned auto coverage for rented or employee-owned vehicles used for work
• Collision and comprehensive coverage for damage from accidents, theft, vandalism, or weather
• Coverage for trailers and mobile equipment transported by company vehicles

How Legacy Insurance Supports Colorado Construction Businesses

Legacy Insurance works with construction companies across Colorado Springs, CO to develop commercial auto insurance programs that match their fleet, operations, and risk profile. Our team understands the demands of the construction industry and the importance of keeping vehicles on the road.

you want coverage that aligns with your fleet and the unique challenges of your industry, now is the time to review your options. Contact an agent at Legacy Insurance for a personalized commercial auto insurance quote tailored to your construction business.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.