From a single work truck to a full fleet — we cover business vehicles under one program instead of multiple personal policies that won't pay out when you need them most.
Commercial auto covers vehicles used for business in ways personal policies specifically exclude:
Covers bodily injury and property damage you cause to others while driving a business vehicle — required by Arizona law.
Comprehensive and collision coverage for your business vehicles — repairs or replaces them after an accident, theft, or weather damage.
Covers liability when employees drive rented vehicles or their personal cars for business purposes — a common gap in standard commercial auto policies.
Protects your business if your vehicle is hit by a driver with no insurance or insufficient coverage.
No — personal auto policies specifically exclude vehicles used primarily for business. If you're using a truck or van for work and only have personal coverage, you likely have no coverage for business-related accidents.
Their personal policies may not cover business use. Hired & Non-Owned Auto coverage protects your business from liability when employees use personal or rented vehicles for work purposes.
Yes — fleet policies cover multiple vehicles under one program, often at a better rate than insuring each separately. We can structure a fleet policy for 2 vehicles or 20+.
Yes — we can cover pickups, box trucks, cargo vans, flatbeds, trailers, and most commercial vehicles. Let us know what you're running and we'll find the right market for it.
Call us — we can often bind same day.