Commercial auto for Arizona businesses.
Owned, leased, hired and non-owned auto — coverage for single vehicles, fleets, contractors and delivery operations.
Arizona commercial auto insurance for trucks, vans and fleets.
Personal auto policies almost always exclude business use. Whether you've got one work truck, a five-van service fleet, or contractors driving their personal vehicles for company business, you need a commercial auto policy or a hired/non-owned endorsement to fill the gap.
What you get
- Liability, collision and comprehensive
- Hired and non-owned auto
- Fleet rating for 5+ vehicles
- Trailer interchange and motor truck cargo (when applicable)
- Higher liability limits, including $1M+
- Drive-other-car and named-individual coverage options
What's typically covered.
Liability
Bodily injury and property damage caused by your vehicles on business use.
Physical Damage
Collision and comprehensive coverage for owned vehicles.
Hired Auto
Vehicles rented or borrowed by your business — covered like an owned vehicle.
Non-Owned Auto
Coverage when employees drive their personal vehicles for company business. Cheap and high-leverage.
Motor Truck Cargo
Covers freight/cargo while being hauled — for trucking and delivery operations.
Why local matters.
Phoenix-metro traffic and AZ's uninsured-motorist rates mean commercial auto exposure here is higher than national averages. We size liability and UM/UIM accordingly — and we re-shop fleets every year as loss histories change.
Common questions.
Ready for a real quote?
Call us — or send your info and we'll get back to you the same business day.