Commercial Auto & Fleet Insurance | Fort Collins & NoCo

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Running a business in Northern Colorado means your vehicles are your lifeline. Whether you’re a contractor navigating Harmony Road or a fleet owner operating near I-25, you need coverage that works as hard as you do.

Since 2025, Insurance Specialties Ltd has combined our boutique, high-touch service with the powerhouse backing of Geico. This partnership allows us to offer business owners in Fort Collins, Loveland, and Windsor the A++ (Superior) financial strength of a national leader with the local expertise of a neighborhood agency.

• Contractors & Skilled Trades: Customized protection for plumbers, electricians, and HVAC fleets in Old Town and City Park.
• Food Truck Protection: Coverage for the mobile entrepreneurs serving the City Park Food Truck Rallies.
• Delivery & Couriers: Liability and cargo insurance for DSPs and local delivery routes from Fossil Lake Ranch to Bucking Horse.
• Landscaping & Construction: Comprehensive policies that cover trailers and specialized equipment on the job site.

Staying compliant is non-negotiable. In Colorado, all commercial vehicles must meet minimum liability limits, but "minimum" isn't always "enough" for a growing business.

Coverage TypeColorado State MinimumOur RecommendationBodily Injury$25,000 / $50,000$1,000,000 (Combined Single Limit)Property Damage$15,000$100,000+Hired & Non-OwnedOptionalRecommended for employees using personal cars

Why settle for standard when you can have specialty? By working with us, you gain access to Geico’s streamlined claims process and competitive commercial rates, while maintaining a direct line to your local Fort Collins agent.

• Fast Filings: We handle your PUC and SR-22 filings quickly to keep you on the road.
• Local Underwriting: We understand that a business in The Ponds has different risks than one in Rigden Farm.
• 24/7 National Claims: Backed by Geico’s award-winning claims team.

If you are using your vehicle for business purposes—delivering goods, transporting tools, or visiting multiple job sites in Northern Colorado—your personal policy may deny a claim. A commercial policy ensures you are protected during work hours.

Google local rankings often reflect transparency. We look at your travel radius (local vs. long-haul), driver history, and the specific neighborhoods you serve.

You can call our office on Redwing Road or use our online portal for a rapid quote.

"Insurance Specialties Ltd made our fleet transition seamless. Being able to get Progressive rates with a local Fort Collins agent who actually knows our business was a game-changer."
— Local Landscape Fleet Owner