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

Yes. Personal auto policies exclude business use. Commercial auto insurance is required to stay protected while using your vehicle for work in Sedona, AZ.

Do you insure trailers and equipment haulers?

Yes. We insure commercial trailers, enclosed trailers, utility trailers, and equipment haulers used by Sedona businesses.

Can you insure fleets?

Yes. We insure fleets of all sizes, from one work truck to 20+ business vehicles.

Do you offer Hired & Non-Owned Auto (HNOA)?

Yes. HNOA covers employees using personal vehicles or rented autos for business in Sedona.

COMMERCIAL AUTO INSURANCE IN SEDONA, AZ

Protect Your Business Vehicles, Drivers, and Equipment

Sedona businesses rely on vehicles every day — whether navigating 89A, hauling equipment through Village of Oak Creek, servicing homes in West Sedona, or traveling across the Verde Valley. Commercial auto insurance protects your trucks, vans, trailers, and work vehicles from accidents, theft, and liability claims.

At CEO Insurance & Financial Services, we compare commercial auto carriers to get you the best rates and coverage.

What Commercial Auto Insurance Covers

Liability Coverage

Required in Arizona. Covers:
• Property damage you cause
• Injuries to others
• Legal defense costs

Collision Coverage

Pays for damage to your business vehicle after:
• An accident
• A collision
• A rollover

Comprehensive Coverage

Protects against:
• Theft
• Vandalism
• Monsoon damage
• Wildfire & smoke
• Animal collisions
• Falling objects
• Glass damage

Uninsured / Underinsured Motorist (UM/UIM)

Protects your business vehicles and drivers if hit by an underinsured driver.

Medical Payments (MedPay)

Covers medical expenses for drivers and passengers.

Hired & Non-Owned Auto (HNOA)

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

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

Trailer Coverage

We cover:
• Utility trailers
• Equipment haulers
• Enclosed trailers
• Worksite transport trailers

Who Needs Commercial Auto Insurance in Sedona?

• Contractors (HVAC, plumbing, electrical, landscaping)
• Mobile service businesses
• Cleaning companies
• Real estate agents
• Delivery businesses
• Restaurants (delivery drivers)
• Nonprofits
• Construction crews
• Medical transport
• Retailers and wholesalers

If you drive for business, you need commercial auto.

Why Sedona Businesses Choose CEO Insurance & Financial Services

• We compare top commercial auto carriers for the best price
• Fast, same-day quotes
• Local Sedona & VOC experience
• Bundle options with GL, BOP, Workers Comp, Tools & Equipment
• English & Spanish bilingual support
• Independent agency — we work for YOU

Commercial Auto FAQs — Sedona, AZ

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

Yes — personal auto policies exclude business use.

Can I add trailers to the policy?

Yes — we insure all types of commercial trailers.

Do you offer fleet insurance?

Yes — we insure businesses with 1 vehicle or 20+.

What if employees use their own vehicles?

Hired & Non-Owned Auto (HNOA) covers that.