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

Yes. Personal auto policies typically exclude business use. If you use your personal vehicle for business in Flagstaff, you should have commercial auto insurance.

Can you insure fleets and multiple business vehicles?

Yes. We insure one vehicle or full fleets of commercial vehicles for Flagstaff businesses.

Can trailers be covered on my commercial auto policy?

Yes. We can schedule most commercial-use trailers on your commercial auto policy.

What is Hired & Non-Owned Auto (HNOA)?

HNOA provides liability coverage when employees use their own vehicles or rented vehicles for business purposes.

COMMERCIAL AUTO INSURANCE IN FLAGSTAFF, AZ

Protect Your Business Vehicles, Drivers, and Equipment

Flagstaff businesses rely on vehicles every day — from contractors driving to job sites in Doney Park and Kachina Village, to service vans working around NAU and Downtown. Snow, ice, wildlife crossings, and mountain roads make the right commercial auto coverage essential.

At CEO Insurance & Financial Services, we help you insure your work trucks, vans, trailers, and fleets with strong coverage at competitive rates.

What Commercial Auto Insurance Covers

Liability Coverage

Required by Arizona law. Covers:
• Bodily injury to others
• Property damage to others
• Legal defense and court costs

Collision Coverage

Pays to repair or replace your business vehicle after:
• A collision with another vehicle
• Hitting an object
• A rollover

Comprehensive Coverage

Protects your vehicles against non-collision damage, such as:
• Theft or vandalism
• Fire
• Hail and storm damage
• Broken glass
• Animal collisions (deer/elk)
• Falling objects

Uninsured / Underinsured Motorist (UM/UIM)

Covers your business when the at-fault driver has little or no insurance.

Medical Payments (MedPay)

Helps pay medical bills for drivers and passengers after an accident, regardless of fault.

Hired & Non-Owned Auto (HNOA)

Covers:
• Employees using their own vehicles for business
• Short-term or rented vehicles your business uses

Critical for many small businesses that don’t own every vehicle being used for work.

Trailer Coverage

We can insure:
• Utility trailers
• Enclosed trailers
• Equipment haulers
• Tool and material trailers

Who Needs Commercial Auto Insurance in Flagstaff?

• Contractors and builders
• HVAC, plumbing, and electrical companies
• Landscapers and snow removal services
• Cleaning and janitorial services
• Delivery and courier services
• Mobile mechanics and service techs
• Restaurants with delivery
• Retailers and wholesalers
• Nonprofits and churches
• Professional services with company cars

If you drive for business, you likely need commercial auto.

Why Flagstaff Businesses Choose CEO Insurance & Financial Services

• We compare multiple commercial auto carriers
• Local knowledge of snow, ice, and mountain-road risks
• Ability to insure one vehicle or an entire fleet
• Bundle options with GL, BOP, Workers Comp, and Tools & Equipment
• Fast service and same-day quotes
• English & Spanish bilingual support
• Independent agency — we work for YOU, not one carrier

Commercial Auto FAQs — Flagstaff, AZ

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

Yes. Personal auto policies typically exclude business use. If you use your vehicle for work, you should have commercial auto insurance.

Can I insure multiple vehicles or a fleet?

Yes. We insure everything from a single work truck to full fleets of commercial vehicles.

Can trailers be added to my commercial auto policy?

Yes. Most utility and equipment trailers can be scheduled on the policy.

What if my employees drive their own cars for work?

Hired & Non-Owned Auto (HNOA) helps protect your business in those situations.