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Commercial auto risk is evolving. With 12 years of claims and subrogation experience, we don't just insure your vehicles; we protect your business from the 'Nuclear Verdicts' and hidden liability gaps that standard agents miss. Whether you have one truck or a full fleet, we build protection that survives the road.
Business vehicles create real exposure—accidents, driver risk, and liability can quickly turn into costly claims.
At TrueSpan Group, we help business owners structure commercial auto coverage that matches how their operations actually function—so there are fewer surprises when a claim happens.
Many businesses—especially those under $100K in premium—are often underserved by larger firms. We focus on providing responsive service, practical guidance, and coverage that actually fits your business.
We work with a wide range of businesses across Kansas City and surrounding areas—especially small to mid-sized companies that need practical, responsive insurance guidance.
We also work with growing businesses and smaller commercial accounts that are often underserved by larger firms.
Commercial auto insurance protects your vehicles, drivers, and business from some of the most common and costly risks on the road.
Covers bodily injury and property damage caused by your business vehicles.
Protects your vehicles from accidents, theft, vandalism, and other damage.
Provides protection if you're involved in an accident with a driver who lacks sufficient insurance.
Essential protection for when employees use their personal vehicles for business errands. This fills the gap between their personal insurance and your business liability.
Helps cover medical expenses for drivers and passengers after an accident.
Covers the cost of a replacement vehicle or lost income if your truck is out of service. For a service business, downtime is the real cost of a claim—we ensure you're covered for it.
Commercial auto is often paired with general liability, workers compensation, and umbrella policies to fully protect your business. We help structure these coverages together to avoid gaps in coverage.
Most insurance agencies treat businesses like just another account. We don’t. At TrueSpan, we take the time to understand how your business actually operates—and we build coverage that protects you when it matters most.
We’re not just here to place a policy—we’re here to help you protect your business long-term.
We understand how auto claims actually happen—from accidents to liability disputes—so your coverage is built to respond properly.
We specialize in businesses often overlooked by large brokers—giving you faster responses, better service, and real attention.
With 12+ years handling and overseeing claims, we know how coverage performs when it matters—not just how it’s sold.
We pair strong standard carriers like CNA, Liberty Mutual, Progressive, and BHHC with E&S flexibility—so you get solutions others can’t offer.
We work with contractors, service businesses, and local companies across Kansas City.
Work with an independent agency that understands your business, your risks, and how coverage actually performs when it matters most.
Serving Kansas City and surrounding areas across Missouri and Kansas, with additional service in Oklahoma, Washington, and Texas.
Find answers to what matters most about your coverage.
It covers liability, physical damage, and other risks associated with vehicles used for your business. This includes medical payments for injuries and protection against uninsured motorists.
If your vehicle is used primarily for business purposes or is owned by a business entity, a personal auto policy typically won’t cover claims. You need a commercial policy to ensure coverage while you or your employees are on the clock.
Yes, provided they are listed as drivers on the policy and the vehicle is being used within the scope of your business operations.
This covers vehicles used for your business that you don’t own—such as employee-owned vehicles being driven for work tasks or cars your business rents. This is a vital layer of protection that many business owners overlook.
The cost depends on the types of vehicles, driver records, usage (delivery vs. commuting), and your claims history. We help you find the right balance of coverage and cost-saving credits.
Your commercial auto policy provides liability protection for the business if an accident occurs while an employee is performing work-related duties. Depending on how the policy is structured, it covers legal defense and settlements.
Drive Other Car coverage extends liability (and sometimes physical damage) to business owners or executives when they are driving vehicles not listed on the business policy. This is critical if a business owner doesn’t have a separate personal auto policy or regularly drives vehicles outside of the fleet. We frequently see this missing on policies, and it's a gap we check for immediately.
Still have questions about your specific situation? Reach out—no pressure, just clear answers from a local expert.