Business Insurance
Commercial Auto Insurance in Arizona
What is commercial auto?
Commercial auto insurance covers vehicles used for business: work trucks, vans, delivery vehicles, and anything titled to a company. It works like personal auto coverage but is built for business use, business titling, and higher liability limits.
If your vehicle hauls tools, makes deliveries, visits job sites, or is owned by your LLC, a personal auto policy is probably the wrong tool, and claims can get denied because of it.
Who needs it
Commercial auto typically fits:
- Contractors and trades with work trucks and trailers
- Businesses with vehicles titled to an LLC or corporation
- Delivery, courier, and service businesses
- Companies with employees driving for work, even occasionally
- Businesses whose contracts require $1 million auto liability
What it commonly covers
A commercial auto policy can include:
- Liability for injuries and property damage your vehicles cause
- Physical damage (collision and comprehensive) on owned vehicles
- Hired and non-owned auto coverage, for rented vehicles and employees using personal cars on business errands
- Medical payments and uninsured motorist coverage
- Coverage for permanently attached equipment
What it may not cover
Watch for these gaps:
- Tools and cargo inside the vehicle, which usually need inland marine or cargo coverage
- Employee-owned vehicles themselves (hired and non-owned covers your liability, not their car)
- For-hire trucking operations, which need their own filings and policy forms
- Rideshare and delivery app driving on personal policies
Coverage varies by policy. The details above are general; your policy's terms control.
When it's commonly required
- Vehicles are titled to a business entity
- Client contracts or job sites require commercial auto limits, commonly $1 million
- DOT or FMCSA regulations apply to your vehicles
How BrokerPro approaches it
The line between personal and commercial use trips up a lot of small businesses. We start by asking how each vehicle is actually used and titled, then build the policy around that. If you have employees who ever drive for the business, hired and non-owned coverage is inexpensive and closes a gap most owners do not know they have.
For fleets, we look at driver lists, radius of operation, and loss history, since those drive pricing more than anything else.
Common questions
My truck is in my personal name but I use it for work. Which policy do I need?
It depends on the use. Light, occasional business use may be fine on a personal policy with the right disclosure. Hauling tools daily, visiting job sites, or making deliveries usually calls for commercial auto. The wrong policy risks a denied claim, so it is worth a real conversation.
What is hired and non-owned auto coverage?
It covers your business's liability when employees drive their own cars for work tasks or when you rent vehicles. It does not cover damage to the employee's car. For businesses without owned vehicles, it is often the only auto coverage they need, and contracts increasingly require it.
Will a commercial auto policy cost more than my personal policy?
Sometimes, though not always as much as people fear, and commercial policies bring higher available limits and proper coverage for business use. Pricing depends on vehicle type, use, radius, and driving records.
Ready to look at commercial auto options?
Send us the basics and we'll come back with practical choices and plain-English explanations. No runaround.