Commercial Trucking Insurance Essentials for Colorado and Wyoming Fleets 

Operating a commercial trucking fleet in Colorado and Wyoming may require your business to navigate unique challenges and responsibilities. From navigating mountain passes to meeting state and federal regulations, fleet owners and managers must make sure their operations are financially protected with the right trucking insurance coverage.

Key Coverages for Trucking Fleets

Trucking insurance typically features more than just the financial protections of standard commercial auto coverage. These packages may require multiple policies and should be designed to address the specific risks faced by fleet operators. Specifically, you’ll likely want to make sure your coverage can address the following:

• Auto liabilities—Required by law, this coverage helps financially safeguard your business if your drivers are found at fault in an accident causing injury or property damage.
• Physical damage—This aspect of your trucking insurance can cover repairs or replacement for your trucks if they’re damaged in a collision, fire, theft or other covered events.
• Cargo coverage—This can financially protect the goods you transport in case of loss or damage during transit.
• General liability insurance—These policies can cover claims of bodily injury or property damage that occur outside of driving incidents.
• Nontrucking liability—This part of your coverage can provide financial aid for incidents occurring when a truck is being operated for nonbusiness purposes.
• Workers’ compensation insurance—This type of policy may be legally required and can assist with losses and expenses if drivers or other employees are injured on the job.

Legal Requirements and DOT Compliance

Both Colorado and Wyoming have specific insurance requirements for commercial trucking operations. Fleet owners must maintain minimum liability limits set by state and federal regulations, especially if operating across state lines. Compliance is essential and may also require maintaining up-to-date insurance filings and documentation.

How We Support Your Fleet

At Aztlan Insurance Agency, we work closely with trucking companies throughout to tailor insurance solutions that fit their unique needs. Our team stays current on state laws, regulatory changes and industry trends, helping clients remain compliant and appropriately covered.

Ready to review your fleet’s coverage or have questions about trucking insurance? Contact us today.

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.