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Colorado Hired and Non-Owned Auto Coverage

Colorado requires a complying policy for an owner operating or knowingly permitting a vehicle on public highways. The statute also says that a liability contract covering a vehicle’s ownership, maintenance, or use, wherever issued, provides Colorado’s minimum coverage and qualifies as security while the vehicle is in Colorado. Whether a particular employer HNOA policy fits that description depends on its wording and the trip. 1,2

What Is Hired And Non-Owned Auto?

Hired and non-owned auto (HNOA) liability protects the business when rented cars or employees’ own cars are used for work. It does not pay for damage to those vehicles, and it is not a substitute for commercial auto on vehicles the business owns. Read the national Hired and non-owned auto guide.

Colorado Requirements

RequirementDetails
Security for vehicles on public highwaysAn owner operating or knowingly permitting operation of a motor vehicle on Colorado public highways must have a complying policy covering that vehicle. A liability contract for injury that covers ownership, maintenance, or use of a motor vehicle may qualify as security in Colorado even if issued elsewhere, subject to the statute’s terms. 1,2

What to Watch for in Colorado

  • The policy must actually cover the use

    Colorado’s out-of-state rule applies to a liability contract that covers ownership, maintenance, or use of a motor vehicle. Ask your broker to confirm that the employer policy covers the specific hired or employee-owned vehicle and business use; the statute alone does not establish a particular HNOA policy’s response. 2

  • Check the statutory floor separately from your limit choice

    Colorado’s current statute sets minimum liability coverage for injury and property damage. The General Assembly also describes uninsured and underinsured motorist coverage as optional. Ask whether the limits and any UM/UIM protection on your business arrangement are appropriate for the trips employees make. 1,3

  • Keep proof available for the vehicle and driver

    If there is an accident or a compliance inquiry, have the policy and trip records available to show which vehicle was used, who operated it, and whether the policy covered that operation. The Colorado DMV’s financial-responsibility instructions specifically ask for evidence that a liability policy was in force and covered operation at the time of an accident. 4

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. 5,6,7

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. 8,10,9

Providers With Documented State Licenses

These providers publish a national listing for Hired and non-owned 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. 13

Questions to Ask Before You Buy in Colorado

  1. Does the employer policy’s definition of covered auto and covered use include rentals, borrowed vehicles, and employee-owned autos used on Colorado business trips?
  2. Who is insured when an employee drives, and how does the policy coordinate with the owner’s policy?
  3. Are liability limits, UM/UIM elections, and physical-damage arrangements appropriate for the vehicles and trips employees actually use?

Hired And Non-Owned Auto in Colorado: FAQ

Can a liability policy issued outside Colorado count as security here? 2

It can: C.R.S. § 10-4-622(4) says a liability contract for injury, wherever issued, that covers ownership, maintenance, or use of a motor vehicle provides at least the statutory minimum and qualifies as security while the vehicle is in Colorado. The policy must meet the statute’s description. 2

Does Colorado require auto policies to include UM/UIM coverage? 3

The Colorado General Assembly describes uninsured/underinsured motorist coverage as optional. Ask your broker whether it is included in the policies relevant to your business travel. 3

Hired And Non-Owned Auto in Other States

Other Coverage in Colorado

Sources

  1. Colorado Revised Statutes 2026, Title 10: Insurance. Colorado Office of Legislative Legal Services; C.R.S. §§ 10-4-619(1), 10-4-620; 2026 title current with changes through the Second Regular Session of the 75th General Assembly. Accessed 2026-09-28.
  2. Colorado Revised Statutes 2026, Title 10: Insurance. Colorado Office of Legislative Legal Services; C.R.S. § 10-4-622(4)(a)-(b): qualifying liability contracts wherever issued; Colorado minimum security while vehicle is in state; see § 10-4-623 for conditions/exclusions. Accessed 2026-09-28.
  3. Optional Automobile Insurance Coverage. Colorado General Assembly; Uninsured/underinsured motorist coverage section: UM/UIM is optional; accessed 2026-09-28. Accessed 2026-09-28.
  4. DR 2316: Financial Responsibility Requirements. Colorado Department of Revenue, Division of Motor Vehicles; Section A, item 1: evidence policy was in force and covered operation at time of accident; form dated 2025-11-21. Accessed 2026-09-28.
  5. Colorado Division of Insurance. Colorado Department of Regulatory Agencies; Official insurance regulator homepage; DOI oversight and consumer resources. Accessed 2026-09-28.
  6. DORA Online Services. Colorado Department of Regulatory Agencies; Official DORA online services portal; select Online License Verification and insurance profession. Accessed 2026-09-28.
  7. File a Complaint. Colorado Division of Insurance; Official form and instructions for insurance complaints. Accessed 2026-09-28.
  8. 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.
  9. 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.
  10. 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.
  11. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  12. 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.
  13. 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.
  14. 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.
  15. 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.
  16. About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
  17. 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.
  18. 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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