Do I need commercial auto insurance if I use my personal vehicle for work?

Yes. Personal auto policies exclude business use. If you drive for work, a commercial auto policy is required to remain covered.

Can you insure fleets and multiple business vehicles?

Yes. We insure individual business vehicles and full fleets of work trucks, vans, and service vehicles.

What is Hired & Non-Owned Auto?

HNOA covers employees using their own vehicles for business and protects your business when renting or temporarily hiring vehicles.

COMMERCIAL AUTO INSURANCE IN COTTONWOOD, AZ

Q: Do you cover trailers?

Yes. We provide coverage for utility trailers, enclosed trailers, equipment haulers, and commercial-use trailers.

Protect Your Business Vehicles, Drivers, and Equipment

Whether you’re driving through Cottonwood, Sedona, Camp Verde, or hauling equipment across the Verde Valley, your business needs reliable commercial auto insurance. At CEO Insurance & Financial Services, we help you get the coverage you need for your trucks, vans, trailers, and service vehicles — at competitive rates.

We work with multiple commercial insurance carriers to get you the best price and coverage.

What Commercial Auto Insurance Covers

Liability Coverage

Required by Arizona. Covers:
• Injuries you cause to others
• Damage to other people’s property
• Legal defense

Collision Coverage

Covers repair or replacement of your work vehicle after:
• Accidents
• Collisions
• Vehicle overturns

Comprehensive Coverage

Protects against non-collision damage including:
• Theft
• Vandalism
• Fires
• Windshield damage
• Monsoon damage
• Animal collisions
• Falling objects

Uninsured / Underinsured Motorist (UM/UIM)

Covers your business vehicle and driver if the at-fault driver has little or no insurance.

Medical Payments (MedPay)

Helps cover medical bills for drivers and passengers.

Hired & Non-Owned Auto (HNOA)

Covers:
• Employees using their personal vehicles for business
• Short-term or rented vehicles used for business

Highly recommended for many small businesses.

Trailer Coverage

We insure:
• Enclosed trailers
• Utility trailers
• Equipment trailers
• Vehicle haulers

Who Needs Commercial Auto Insurance in Cottonwood?

• Contractors & trades
• HVAC, plumbing, electrical
• Mobile services
• Landscaping companies
• Handymen
• Cleaning companies
• Delivery services
• Real estate agents
• Retailers & wholesalers
• Non-profits
• Medical transportation
• General business use

If you drive for business, you need commercial auto.

Why Choose CEO Insurance & Financial Services?

• We compare rates from top commercial auto carriers
• Local Arizona & Cottonwood expertise
• Same-day quotes available
• We can bundle with General Liability, BOP, Workers Comp, or Inland Marine
• Bilingual English/Spanish service
• Claims and coverage guidance

Commercial Auto FAQs — Cottonwood, AZ

Do I need commercial auto if I use my personal truck for work?

Yes. Personal auto policies exclude business use.

Can I get coverage for multiple vehicles or a fleet?

Yes — we insure fleets of any size.

Do you cover trailers and attached equipment?

Yes — trailers can be added to your policy.

Can employees be covered if they drive the vehicle?

Yes — they can be listed as drivers.

Do you offer Hired & Non-Owned Auto?

Yes — essential for businesses using employee-owned vehicles.