Commercial Auto Insurance
Commercial auto insurance is for any vehicle owned by a business or any pick-up truck or van owned by a sole proprietor and used for business. The liability limit is a combined single limit for all bodily injury and property damage caused to another person. There is no “per person or per accident” limit within the overall limit. Coverage for damage to your own vehicles would be comp & collision. Comp and collision can be written with deductibles $250, $500 or $1,000. The higher the deductible the lower the cost. Non-owned & Hired auto coverage is for when you have employees that are using their own vehicles in your business, or you need to hire an additional vehicle. This is a liability only coverage within a commercial auto insurance policy. However comp and collision can be purchased for an additional cost. If the only vehicle you own is titled to your corporation, you also need Broad Form Drive Other Car insurance (BFDOC). Please feel free to ask about this coverage. This is a brief overview of some key elements of commercial auto insurance. It is not intended to be a comprehensive analysis. You should always read your policy for complete descriptions of coverage’s and limits as well as conditions and exclusions and ask your agent if you have any questions.
Who Needs Commercial Auto Insurance in Arizona
Most Arizona contractors who put a vehicle to work need commercial auto insurance, not just a personal policy. If a truck, van or trailer is titled to your business, used to haul tools and materials, or driven by employees between job sites, it generally falls outside personal auto coverage and needs its own commercial auto insurance. Common scenarios we see across the Valley and beyond include:- A sole proprietor using a personal pick-up truck for deliveries and job-site runs
- A growing crew with employees driving company-owned vans or trucks
- A contractor who occasionally rents or borrows a vehicle for a project (hired auto)
- Employees using their own vehicles for business errands (non-owned auto)
- A corporation that titles its only vehicle in the business name
Arizona Requirements and Rules That Relate to Commercial Auto Insurance
Arizona does not have a single statewide rule that applies only to commercial auto insurance, but several related requirements affect contractors. The Arizona Registrar of Contractors (ROC) requires licensed contractors to post a contractor license bond, with the amount depending on license classification and annual volume. Arizona also requires most employers with one or more employees, including part-time staff, to carry workers’ compensation; sole proprietors with no employees generally are not required to. While the ROC does not specifically require commercial auto insurance for licensing, general contractors, property managers, HOAs, homeowners and commercial clients commonly ask for proof of insurance through a certificate of insurance, and that often extends to vehicles used on their projects. For questions about state licensing bond amounts or other regulatory requirements, the Arizona Department of Insurance and Financial Institutions is a useful resource for contractors trying to understand how different coverages fit together.Why Get Commercial Auto Insurance Through CIA
Contractors Insurance Agency (CIA) works with Arizona contractors every day and understands how commercial auto insurance fits alongside general liability, workers’ compensation, builder’s risk, tool & equipment coverage, contractor bonds and other policies contractors need. As the insurance partner of the Arizona Contractor License Center (AZCLC), we know the licensing side of the business too. Our team offers same-day certificates of insurance, a callback within 1 hour during business hours, and a quote within 24 hours. Spanish-speaking agents are available, and we have offices in Phoenix, Mesa, Peoria and Tucson to serve contractors across the state. Our Phoenix location holds a 4.9-star rating from 115 Google reviews. If you need commercial auto insurance for a work truck, van or fleet, request a quote or call us at 877-404-0707.What Our Contractor Clients Say
★ 4.9 on Google (115 reviews) · ★ 4.7 on Yelp · Read them on Google or Yelp
★★★★★
Consolidated coverage
“They handle everything with professionalism and promptness!! … we are currently getting all of our insurances consolidated just because of this team!!”
★★★★★
Brokers with options
“This agency specializes in insuring contractors and boy do they know the stuff!!!! … The insurance people are brokers so they have several companies they work with which means I have options.”
★★★★★
Calls answered fast
“Your phone calls always get answered in seconds, you get the help you need right away. I highly recommend it.”
