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Coverage for the vehicles that keep your business moving.
D&E Insurance Group helps Arizona businesses protect cars, trucks, vans and other vehicles used in their day-to-day operations.
When vehicles are part of your business, the right insurance coverage is an important part of protecting your operations.
Whether your business owns one work truck or operates multiple cars, vans or service vehicles, commercial auto insurance can help protect against financial losses arising from covered accidents and other vehicle-related risks.
D&E Insurance Group helps Arizona businesses review their vehicles, drivers and operations and explore commercial auto coverage options designed around how those vehicles are actually used.
Commercial auto insurance can combine several types of coverage to help protect your business vehicles, drivers and operations.
Liability Coverage
Coverage for certain claims involving bodily injury or property damage when your business or an insured driver is legally responsible for a covered auto accident.
Physical Damage
Comprehensive and collision coverage can help protect insured business vehicles against covered damage from collisions, theft and other covered causes of loss.
Uninsured & Underinsured Motorists
Coverage may help protect insured drivers and occupants when they are involved in a covered accident with a driver who has no insurance or insufficient insurance.
If vehicles are owned, leased or regularly used as part of your business operations, you may need commercial auto coverage.
Contractors & Trades
General contractors
HVAC contractors
Electricians
Plumbers
Landscapers
Pool contractors
Service Businesses
Cleaning companies
Repair businesses
Property managers
Delivery businesses
Mobile service companies
Other service businesses
Businesses With Vehicles
Work trucks
Cargo & service vans
Company cars
Pickup trucks
Trailers
Multiple-vehicle fleets
Commercial auto needs can vary significantly depending on who drives the vehicles, how they are used, where they travel and what they carry. D&E Insurance Group can help review these details when building your coverage.
Commercial auto coverage should reflect the vehicles your business uses, who drives them and how they are used.
Vehicles
The type, value and number of vehicles can affect your insurance needs. Work trucks, vans, company cars, trailers and specialized vehicles may each create different exposures.
Drivers
Who operates your business vehicles matters. Insurance carriers may consider factors such as driver eligibility, driving history and the number of employees who regularly operate insured vehicles.
Vehicle Use
Where vehicles travel, how far they are driven and whether they transport tools, equipment, materials or make deliveries can all be important when reviewing coverage.
As your business adds vehicles, hires drivers or changes operations, your commercial auto policy should be reviewed to make sure it continues to reflect how your business actually operates.
Your business can have an auto liability exposure even when it doesn’t own the vehicle being driven.
Hired Auto
Hired auto coverage can provide liability protection for certain vehicles your business rents, leases or hires for business purposes.
Non-Owned Auto
Non-owned auto coverage can help protect your business from certain liability claims when employees use their personal vehicles for business purposes.
For example, an employee may use a personal vehicle to visit a customer, run a business errand or travel between job sites. While the employee’s personal auto insurance may respond first in some situations, the business can still have a liability exposure.
D&E Insurance Group can help determine whether hired and non-owned auto coverage should be part of your business insurance program.
Commercial auto insurance protects important vehicle-related exposures, but it doesn’t replace the other coverage your business may need.
Employee Work Injuries
Injuries to employees arising from their work are generally addressed through workers’ compensation rather than commercial auto insurance alone.
General Business Liability
Commercial auto doesn’t replace general liability coverage for many claims involving your premises, operations or other non-auto business exposures.
Tools & Equipment
Tools, equipment and other business property carried in a vehicle may require separate property or inland marine coverage.
A complete business insurance program may combine commercial auto with several other coverages based on your vehicles, employees and operations.
Common questions Arizona business owners ask about commercial auto insurance.
Do I need commercial auto insurance if I use my personal vehicle for business?
It depends on how the vehicle is used and the terms of your personal auto policy. Some business use may not be adequately covered by a personal auto policy. If you regularly use a vehicle for work, it is important to review the exposure and determine whether commercial auto or other business auto coverage may be appropriate.
What vehicles can be covered by commercial auto insurance?
Commercial auto policies can cover many types of business vehicles, including cars, pickup trucks, work trucks, cargo vans and service vehicles. Eligibility and available coverage can vary depending on the vehicle and how it is used.
Can employees drive my company vehicles?
Employees may be able to operate insured company vehicles, but drivers should be disclosed and meet the insurance carrier’s eligibility requirements. Driving history and job duties can also affect underwriting.
Does commercial auto insurance cover tools and equipment inside my vehicle?
Commercial auto insurance generally does not provide broad coverage for tools, equipment and other business property carried inside a vehicle. Separate property or inland marine coverage may be needed for those items.
What is hired and non-owned auto insurance?
Hired and non-owned auto coverage can help address certain liability exposures involving vehicles your business rents or hires and personal vehicles employees use for business purposes.
How much does commercial auto insurance cost in Arizona?
Commercial auto premiums can vary based on factors such as the number and type of vehicles, vehicle use, driver information, driving radius, coverage limits, claims history and other underwriting considerations.
Can D&E Insurance Group insure a business with multiple vehicles?
Yes. D&E Insurance Group can help businesses review coverage for a single commercial vehicle or multiple business vehicles and explore available insurance options based on their operations.