Commercial Auto Insurance in Arizona

Yes. Arizona law requires every vehicle used for business purposes to carry liability insurance, just as it does for personal vehicles. The minimum limits are $25,000 for bodily injury per person, $50,000 per accident, and $15,000 for property damage. However, most businesses choose higher limits because commercial vehicles face greater risks, including frequent driving, multiple drivers, and the transportation of tools or equipment. Having proper coverage protects your company from costly claims that may not be covered by a personal auto policy. If your business owns or regularly uses trucks, vans, or service vehicles, you must carry a commercial auto policy to stay compliant. To review your current coverage or get a quote, contact Diaz Shelton Insurance Agency in Gilbert at 480-535-0118 or visit dsinsurancegroup.com

 A commercial auto policy can cover almost any vehicle used for business purposes. This includes work trucks, cargo vans, pickup trucks, box trucks, utility vehicles, trailers, and even cars that employees or owners use regularly for company tasks. Fleet policies are available for businesses that operate several vehicles under one plan, while single-vehicle policies work well for smaller operations. Coverage can also be extended to vehicles that are leased, rented, or owned personally but used for business errands or job site visits. Each policy can be customized to include liability, collision, and equipment protection. The team at Diaz Shelton Insurance Agency can help you tailor a plan that fits your business operations.

No. Personal auto insurance does not cover vehicles that are used for business purposes. Most personal policies specifically exclude accidents that occur while driving for work, making deliveries, transporting tools, or visiting job sites. If a claim is filed after an accident that happened during business activity, the insurance company could deny coverage entirely. A commercial auto policy is designed to protect against those risks and provides liability, medical, and physical damage coverage for vehicles used in your business.

 Yes. Most commercial auto insurance policies allow you to add coverage for tools, materials, and specialized equipment stored or transported in your work vehicle. This additional protection, often called “inland marine” or “tools and equipment” coverage, helps pay for repairs or replacement if your items are damaged, lost, or stolen. It is especially important for contractors and service businesses that keep valuable gear in their trucks or vans overnight or at job sites. Coverage limits can be customized based on the type and value of the equipment you use. The agents at Diaz Shelton Insurance Agency can help you review your policy options to make sure your tools are properly insured.

Yes. Subcontractors who use their own vehicles for work are responsible for carrying their own commercial auto insurance. This coverage protects both the subcontractor and the general contractor if an accident occurs while driving to or from a job site, transporting tools, or performing work-related tasks. Without a commercial policy, a personal auto plan will not cover business use, leaving the driver fully liable for damages or injuries. Many contractors require proof of commercial auto insurance before allowing subcontractors to begin work or receive payment. To learn what coverage limits you need or to compare rates, contact Diaz Shelton Insurance Agency in Gilbert at 480-535-0118 or visit dsinsurancegroup.com.