Commercial Auto Insurance in Phoenix, AZ
The first step in obtaining commercial auto insurance is understanding the specific needs of your business. Different types of businesses require different levels of coverage based on the nature of their operations and the vehicles they use. If your company uses semis or heavy machinery, you may also be subject to federal insurance regulations.
Essential Coverage 
Commercial auto insurance should include several key types of coverage to ensure complete protection. These coverages address various risks and help safeguard your business assets. Your agent may recommend the following:
- Liability coverage may protect against financial responsibility if your vehicle causes injury or property damage.
- Physical damage coverage includes collision and comprehensive coverage to help repair or replace your vehicles after a covered accident or incident.
- Uninsured/underinsured motorist coverage may provide financial protection if your vehicle is involved in an accident with an at-fault uninsured or underinsured driver.
Additional Considerations
Beyond the essential coverages, additional options can enhance your policy and provide extra peace of mind. Your agent may suggest tailoring your coverage with the following:
- Hired and non-owned auto coverage may help provide liability coverage for rented or employee-owned vehicles used for business purposes.
- Roadside assistance may provide help in case of vehicle breakdowns, including jump starts, towing and tire changes.
- Rental reimbursement may help reimburse your company for a rental vehicle while your business vehicle is being repaired.
- Gap insurance may help cover the difference between the actual cash value of your vehicle and the amount you owe on a lease or loan if the vehicle is totaled.
Contact Us
Contact Facil Insurance, in Phoenix, AZ, to compare commercial auto insurance quotes.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.