Arizona commercial car insurance will ensure coverage for your vehicles from situations that are not typically covered by a personal policy. This kind of business coverage will cover a wider variety of vehicles, and it is also known as fleet insurance.
Whether you already own a business or are looking to become an owner, you can contact us at any time to learn more about what we can do and to receive a quote for your insurance policy today.
In general, if you use a vehicle in any task related to your occupation or business other than commuting, you would greatly benefit from a commercial policy. This is because personal policies generally do not include many business uses. If you are using your car to transport goods for a fee, then you may require commercial car insurance.
A commercial policy is also likely appropriate if you require higher limits of coverage because of the industry that you are working in. Hauling a hefty amount of equipment or expensive tools can require a commercial policy as well.
A commercial policy might be needed if your employees drive the vehicle or if the ownership is listed under the name of a partnership or a corporation.
We have several agents who can help you determine exactly what kind of coverage you will need depending on the roles that the vehicle plays in your business and what individuals will be driving them during work hours.
Much like a personal policy, getting an Arizona commercial car insurance policy will cover medical payments, personal injury protection, collision insurance, comprehensive coverage, liability coverage and even uninsured motorists coverage. However, there are some differences between a personal policy and a commercial policy that include exclusions, limits, coverage, definitions and eligibility. For example, a commercial policy will usually be just “named driver only,” meaning only someone listed on the policy can drive the vehicle.
Bodily injury liability coverage will pay for any death or bodily injury that results from an accident that you have caused or have been ruled to be at fault while providing some kind of legal defense. Property damage liability coverage will cover any losses that would be incurred from accidentally damaging the property of another person, and it will also provide you with some kind of legal defense
Combined single limit coverage offers the same kind of coverage for every instance of claims for property damage whether it is one person or several, regardless of whether it is property damage or bodily injury.
Medical payment coverage, which is also known as personal injury coverage or no-fault coverage, is a very important aspect of commercial insurance since it will pay for the expenses of the driver and the passengers of the vehicle that have been incurred as a result of a collision that is covered no matter who has been rules at fault.
Uninsured motorist coverage will cover any injuries that you incur from a hit and run driver or an uninsured driver. In some cases, it will also help pay for some property damage. Sometimes, this is an included part of the policy, and this is used for the cases where the driver at fault does not have sufficient insurance to cover for an accident.
Comprehensive coverage pays for damages due to fire or flood while collision coverage pays for damage in a collision.