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Protect Your Drivers With Arizona Commercial Auto Insurance
Arizona has over 640,000 small businesses that employ more than 1.1 million employees across the state.1 If your small business owns any vehicles for business, you’ll need to have commercial auto insurance in Arizona to help protect you and your employees. Commercial auto insurance, known as commercial vehicle insurance, helps cover property damage costs and medical expenses if you or one of your employees gets into a motor vehicle accident while driving a company vehicle for business.
Arizona Commercial Auto Insurance Requirements
In Arizona, all vehicles need to have a minimum amount of auto liability insurance coverage. The minimum liability insurance requirements are:2
| Cobertura | Minimum Coverage Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 for one person, $50,000 for two or more people |
| Property Damage Liability Coverage | $15,000 per accident |
How Much Does Commercial Auto Insurance in Arizona Cost?
Your commercial auto insurance cost in Arizona can depend on your industry and the types of vehicles your business operates. There are several other factors that may influence the cost of commercial auto insurance, like the:
- Type of business you have
- Type of vehicle your employee drives
- Driving records of your employees
- Typical travel radius driven
- Type of load the company vehicle is carrying
- Location of your company
Who Needs Commercial Auto Insurance in Arizona?
If you’re wondering, “Do I need commercial auto insurance?” the answer is often yes. Arizona small businesses that own any types of vehicles for work, like cars, pickup trucks, box trucks o commercial vans, will need to safeguard their operations with commercial auto insurance. Whether you use your personal vehicle for work, or your business owns a fleet of vehicles, commercial auto insurance can help protect you from costly claims resulting from a vehicle accident that happens while you’re driving for work purposes.
Common AZ Professions That Need Auto Insurance
There are many types of businesses that can benefit from having commercial auto insurance in Arizona. These are some of the most common industries that need commercial auto insurance:
What Does Commercial Auto Insurance in Arizona Cover?
If your small business depends on any owned, leased or rented motor vehicles to get the job done, you’ll need commercial auto insurance to keep you and your employees protected. In Arizona, commercial auto insurance policies commonly include the following coverages:
- Bodily Injury Liability Insurance Coverage helps pay for the other driver’s medical expenses if you or one of your employees causes an accident.
- Property Damage Liability Insurance Coverage pays for damage that you or your employees cause to someone else’s property.
- Drive Other Car Coverage covers your business’ executive officers and their spouses if they drive vehicles that aren’t on your commercial auto insurance policy.
- Collision Coverage helps pay to fix or replace your business’ car if you hit something, like another car or pole.
- Comprehensive Coverage can help pay for damages caused by theft, fire or natural disasters.
- Medical Payments Coverage can help pay for medical expenses for your employees and their passengers in the event of an accident, such as medical treatments and rehabilitations, dental care or funerals.
- Uninsured/Underinsured Motorist Coverage helps pay for you or your employees’ medical expenses or to fix your car if you get into an accident with another driver who lacks enough liability coverage or is uninsured.
Hired and non-owned auto insurance offers lawsuit liability coverage if you or your employees are involved in an accident with a personal, rented or leased car that was used for business errands. However, this type of commercial vehicle insurance coverage won’t pay for damages to the personal, rented or leased car.
AZ Commercial Auto Insurance FAQs
Why Is Commercial Auto Insurance Important?
If your business owns and operates commercial vehicles, you’re at risk of facing expensive legal fees and lawsuits after a car accident – even if you aren’t at fault. Commercial auto insurance in Arizona can help cover the costs of repairs and medical expenses if you or one of your employees get into an accident while driving for work.
What Is the Difference Between Commercial Auto Insurance and Personal Auto Insurance?
Commercial auto insurance covers vehicles you or your employees use for job duties, like picking up supplies or making deliveries. Personal auto insurance protects your personal vehicles that are driven for personal reasons, like running household errands or commuting to and from work.
Typically, employees with valid licenses would receive coverage under your commercial auto policy as additional insureds. In addition, your commercial auto policy typically offers more comprehensive coverages, like higher limits and liability coverages, that you won’t see in a personal auto policy.
What if I Use My Personal Vehicle for Work?
If you use your personal vehicle for work purposes, like visiting clients or making deliveries, you’ll need to have commercial auto insurance. Your personal vehicle can be registered as a company car under your commercial auto policy so you can receive protection while you’re driving for business tasks. In most cases, you’ll need both commercial and personal auto insurance.
Keep in mind that most commercial auto insurance policies don’t cover incidents that occur when you drive your commercial vehicle for personal use. A personal auto policy is most helpful for protecting you and your immediate family members when driving cars for personal use.
Are Tools and Materials in My Vehicle Covered Under a Commercial Auto Policy?
Tools and materials inside your company’s insured vehicle are not covered under your commercial auto policy. You can get coverage to protect your business’ physical assets, like your tools and equipment, with a Business Owner’s Policy (BOP) de The Hartford.
Who Is Insured Under a Commercial Auto Policy?
Commercial auto insurance covers the business owner and any employees with valid driver’s licenses who drive your company-owned vehicles for work purposes. Your family members aren’t typically covered under your commercial vehicle insurance policy unless they are employees at your business – or they have your permission as the insured to use the vehicle.
Get a Fast and Free Quote for Commercial Auto Insurance in Arizona
We’re an insurance company backed by more than 200 years of experience. We know that your small business faces unique risks, so it’s important to be prepared when something unexpected happens. That’s why we make it easy for you to get a fast and free quote for commercial auto insurance in Arizona. Llame al 855-860-9763 para solicitar una cotización hoy mismo.
Additional Arizona Business Insurance Coverages
Última actualización: 18 de septiembre de 2023
1 U.S. Small Business Administration, “2022 Small Business Profile – Arizona.”
2 Arizona Department of Vehicles, “Vehicle Insurance Information.”
Divulgaciones adicionales a continuación.