Commercial Auto Insurance
Color Glo is a mobile franchise. The service vehicle is the operating platform. Commercial auto coverage protects franchisees and their technicians while driving to jobs, transporting tools and products, and operating business vehicles every day.
Why Color Glo International Franchisees Need This
Built for Color Glo Franchise Operations
The Vehicle Is the Business
Color Glo franchisees drive to every customer. The service vehicle is not incidental — it is how the business operates. A standard personal auto policy typically excludes business use, which means an at-fault accident while driving to a job could be entirely uncovered.
Tools, Products, and Equipment in Transit
Every trip carries repair kits, colorants, sprayers, tools, and supplies. Commercial auto handles liability and physical damage to the vehicle itself during transit — coordinating with Equipment / Inland Marine for the contents.
Employed Technicians Driving Business Vehicles
When a franchisee hires technicians and adds vehicles, each driver and vehicle creates liability exposure. Commercial auto policies can be structured to cover multiple drivers and multiple vehicles as a territory grows.
Hired and Non-Owned Auto Liability
If a technician uses a personal vehicle for business errands or a franchisee rents a vehicle for a job, hired and non-owned auto liability covers the gap when business use is excluded by the driver's personal policy.
Common Exposure Scenarios
When Coverage Matters Most
At-Fault Accident En Route to a Job
A Color Glo technician causes an accident while driving to a customer appointment. Commercial auto covers bodily injury and property damage to third parties, plus damage to the business vehicle.
Service Van Damaged in a Collision
A wrapped Color Glo service van is struck in a parking lot or involved in a collision. Physical damage coverage addresses the repair or replacement cost of the vehicle.
Employee Using Personal Vehicle for Business
A technician uses their personal vehicle to drive to a job. If the personal auto insurer excludes business use, hired and non-owned auto coverage fills the gap.
Multi-Technician Territory Growth
A growing franchisee adds a second technician and second vehicle. The commercial auto policy is updated to cover both drivers and vehicles under a single business policy.
What to Look For
Reviewing Your Policy
- Liability limits appropriate for mobile, field-based service operations
- Physical damage coverage (comprehensive and collision) for service vehicles
- Hired and non-owned auto liability included for employees using personal vehicles
- All business vehicles and drivers properly listed and scheduled
- Confirmation that business use is explicitly covered under the policy
- Coordination with Equipment / Inland Marine for tools and products carried inside the vehicle
Review Your Coverage
The Southern Agency helps Color Glo franchise owners align policy limits, deductibles, and exclusions with the real-world risks of mobile restoration operations.
Request a Coverage ReviewThis page provides a general overview of commercial auto insurance and does not guarantee coverage. Coverage is subject to policy terms, conditions, and exclusions. Purchasing insurance through The Southern Agency does not automatically satisfy all franchise agreement requirements without individual review.
