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Commercial Auto Insurance in Colorado

Colorado requires an owner who operates or knowingly permits a motor vehicle on public highways to keep a complying policy, with a current self-insurance certificate as the statutory alternative. The basic liability limits are $25,000 for one person, $50,000 for all people in an accident, and $15,000 for property damage. A person with more than 25 vehicles registered in that person’s name may apply for a certificate, but must obtain the commissioner’s approval. 2,1

What Is Commercial Auto?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. Read the national Commercial auto guide.

Colorado Requirements

RequirementDetails
Public-highway liability policy minimum$25,000 one person / $50,000 all persons per accident / $15,000 property damage; current self-insurance certificate is an alternative 1,2
Self-insurance certificate eligibilityMore than 25 vehicles registered in applicant’s name; commissioner-issued current certificate required 1,3

What to Watch for in Colorado

  • Vehicle Count Alone Does Not Make You Self-Insured

    A person with more than 25 vehicles registered in that person’s name may apply, but Colorado’s commissioner must issue a current certificate after assessing ability to pay the required benefits and judgments. Confirm the certificate names the applicant and is issued before relying on self-insurance. 1,3

  • Check Which Entity Holds The Registrations

    Colorado counts vehicles registered in the applying person’s name, and the commissioner may cancel a certificate after notice and hearing for reasonable grounds. Failure to pay required benefits or a final judgment within 30 days is an express cancellation ground; make sure the certificate holder tracks those obligations and its status. 1

  • Keep The Complying Policy Limit With Each Highway Unit

    Colorado’s required minimum applies to the owner’s complying policy for a motor vehicle operated or knowingly permitted on public highways, unless that owner has a current certificate of self-insurance. Ask the broker to confirm the scheduled policy limits and certificate status for each unit. 1,2

Who Regulates Insurance in Colorado

Colorado Division of Insurance

The Division administers Colorado insurance laws and regulates insurers and insurance producers. You can search producer licenses through Colorado’s official DORA lookup and send insurance complaints to the Division. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 3% of net premium When Colorado is the insured’s home state, its surplus-lines tax is 3% of taxable premium. The Colorado Surplus Lines Association says insurer or broker fees charged in connection with the placement are included in the tax base; federal or other-state taxes and examination fees are excluded. For multistate risks, a tax-sharing agreement may allocate premium tax to other states. 7,9,8

Providers With Documented State Licenses

These providers publish a national listing for Commercial auto; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Colorado. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 12
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 16

Questions to Ask Before You Buy in Colorado

  1. Which legal person holds our Colorado registrations and any self-insurance certificate?
  2. Has the Insurance Commissioner issued a current certificate for this applicant, rather than relying on a vehicle count alone?
  3. How does the applicant monitor required benefit and judgment payments that can affect certificate status?

Commercial Auto in Colorado: FAQ

What are Colorado’s minimum auto liability limits? 1,2

For a vehicle operated or knowingly permitted on Colorado public highways, the required basic liability minimum is $25,000 for one person, $50,000 for all persons in an accident, and $15,000 for property damage. A current self-insurance certificate under §10-4-624 is the statutory alternative. 1,2

Can a Colorado company self-insure its fleet? 1,3

A person with more than 25 vehicles registered in that person’s name may apply, but must obtain a current certificate from the Insurance Commissioner. The commissioner must be satisfied the applicant can pay required benefits and judgments. 1,3

Commercial Auto in Other States

Other Coverage in Colorado

Sources

  1. Colorado Revised Statutes 2026, Title 10. Colorado General Assembly, Office of Legislative Legal Services; Current 2026 compilation; §§10-4-619–620, 624 (compilation linked by the General Assembly’s 2026 CRS download page). Accessed 2026-09-28.
  2. Colorado Revised Statutes 2024, Title 10. Colorado General Assembly; §§10-4-619–620, 624, pp. 436–440; text checked against 2026 compilation. Accessed 2026-09-28.
  3. Colorado Revised Statutes 2024, Title 42. Colorado General Assembly; §42-7-501(1)–(2), pp. 753–754; threshold, certificate, and commissioner discretion. Accessed 2026-09-28.
  4. Colorado Division of Insurance. Colorado Department of Regulatory Agencies; Official insurance regulator homepage; DOI oversight and consumer resources. Accessed 2026-09-28.
  5. DORA Online Services. Colorado Department of Regulatory Agencies; Official DORA online services portal; select Online License Verification and insurance profession. Accessed 2026-09-28.
  6. File a Complaint. Colorado Division of Insurance; Official form and instructions for insurance complaints. Accessed 2026-09-28.
  7. HB23-1111: Unauthorized Insurance Premium Tax Rate. Colorado General Assembly; Enacted bill harmonizes unauthorized insurance tax rate at 3%, effective January 1, 2024; parity with surplus-lines rate. Accessed 2026-09-28.
  8. Frequently Asked Questions. Surplus Lines Association of Colorado; FAQ: Colorado home-state tax; fee charged by insurer or broker in connection with placement included in premium base; qualifying federal/other-state taxes and examination fees excluded; commercial exempt policyholder due-diligence exception. Accessed 2026-09-28.
  9. Colorado Revised Statutes, Title 10 (2024). Colorado General Assembly, Office of Legislative Legal Services; C.R.S. § 10-5-111.5, surplus-lines premium tax and home-state application. Accessed 2026-09-28.
  10. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  11. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  12. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  13. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  14. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  15. About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
  16. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  17. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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