Tailored Coverages
Options for fleet and non-fleet autos
Discounts
We don’t want you to pay more than you should either.
Why Wilson Insurance
We have been helping Arizona business owners for almost 40 years. We are your local insurance advocates.
Commercial Auto Insurance
Commercial Auto Insurance In Arizona
Commercial auto insurance protects businesses and their employees from liability, property damage, and bodily injury when operating vehicles for business purposes. Mainly, this is for company-owned vehicles but can also include hired and non-owned driving exposures.
We understand the marketing pressure to contain pricing increases in this economy. We dig into past claims performance to identify behaviors that lead to financial leakage and provide solutions to lower your direct and indirect insurance costs.
Call us at 480-964-2400 to start saving money
Since 1987 Wilson Insurance has been serving Arizona businesses. We are your friendly, local, insurance advisors!
Important Commercial Auto Insurance Coverage for Arizona
Helps cover damages if you’re at fault in an accident that causes injury or property damage. It is split between bodily injury and property damage liability.
This coverage pays for damage to your vehicle from non-collision incidents like theft, vandalism, rocks hitting your windshield, natural disasters, or hitting an animal.
This coverage pays for damage to your vehicle in case of a collision with another car or object.
This coverage pays for your own damages if the other motorist has no insurance coverage.
This coverage pays for your own damages if the other motorist has too little coverage.
This coverage offers no-fault medical coverage for you and your passengers
This coverage helps cover the cost of rental cars while your disabled vehicle is being repaired after a covered accident.
This coverage provides towing, flat tire changes, fuel delivery, and lockout assistance in case your vehicle breaks down or becomes temporarily disabled.
This coverage helps cover bodily injury and physical damage that your business caused to someone else in an accident. It covers vehicles your business rents, leases, or borrows (hired) and your employee’s vehicle they use for business purposes (non-owned). It provides an extra layer of coverage over their personal policy.
If you are a trucking operation, you aren’t making money if you aren’t driving. This coverage either helps get you back on the road in a rental vehicle or provides funds to replace income while your vehicle is in the shop getting worked on. For more information about our transportation appetite, check out our specialties tab.
Common Commercial Auto COI Provisions
- Symbol 1 – Any Auto Liability
- $1M Combined Single Limit
- Hired & Non-owned Auto Requirement
- Additional Insured Endorsement
We Make COI Compliance Easy
Feel free to send vendor packets and COI requests to [email protected]. Our dedicated COI specialist will quickly rush a certificate out that will include the applicable policy forms for review. If you do not have the required coverage, we will notify you what the cost will be to add coverage.
Expanded Capabilities
You are allowed to make mistakes. The important thing is what you learn and what you do afterward. When you work with Wilson Insurance, you work with a compassionate insurance advisor who can illuminate a clear path to regain your confidence and gain control over your insurance costs.
- DUIs
- Severity claims within 5 years
- Frequency claims within 5 years
- Lapse in Coverage
Tailored Safety Materials for Commercial Auto
We work with industry leaders to provide you with reactive and proactive safety training. By reviewing your past claims experience, Wilson Insurance can tailor a safety program for your leadership team to correct behaviors that cause financial strain on your company.
We create a positive feedback loop (and positive buzz) with your insurance company by communicating your safety results, training curriculum, and lessons learned along the way. In return, insurance companies reward policy credits for a job well done.
If your insurance agent always treats insurance companies as an enemy, you’ll never learn how good of a friend they can be.
Common Questions and FAQs
Yes! They are a focus market we are actively writing. For more information on our appetite, check out our transportation page under specialty markets.
Yes. Some personal policies even exclude liability coverage if you are using your vehicle for business use because they don’t want to pick up the higher exposure use. Regardless, personal policies have lower limits that are inadequate for your business exposure and COI requirements.
Pricing is determined by many factors including the year, make, model, radius of operations, business use, deductibles, add-on coverages, 5-year claim history, and the MVRs of your scheduled drivers.
Employees with driving privileges should be programmed onto your company policy. If employees use their own car for company purposes, you can add hired and non-owned auto coverage to give them an extra layer of protection.
Many factors play into the rising cost of insurance. For the most articulate answer for why your policy is going up, Wilson Insurance can provide a no-obligation review of your auto policy and provide suggestions on how to contain cost.
Yes, and we prefer to as a service to our clients.
First, call the police so an officer can determine liability. That is their job, not yours, so never assume liability. Take photos of the damage if you are able. Get medical attention even if you don’t immediately feel pain. As soon as you can, let your agent at Wilson Insurance know so we can file a claim for you and help you with your claim.
Many insurance companies provide GAP coverage as a coverage enhancement.
Yes! Let us know if you need one.
Yes! We are happy to help you.
Yes! There may be a couple of additional underwriting questions.