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

Yes. Personal auto policies usually exclude business use, so work trucks and service vehicles in Yuma should be insured on a commercial auto policy.

Can you insure commercial fleets in Yuma?

Yes. We insure everything from a single vehicle to small and mid-size fleets of trucks and vans.

Do you offer Hired & Non-Owned Auto coverage?

Yes. Hired & Non-Owned Auto coverage helps protect your business when employees use their own cars or rented vehicles for work.

Can trailers and equipment haulers be covered?

Yes. Utility trailers, enclosed trailers, and other equipment haulers used for business can be added to your commercial auto policy.

COMMERCIAL AUTO INSURANCE IN YUMA, AZ

Protect Your Business Vehicles, Drivers & Cargo

Yuma businesses rely heavily on vehicles — contractors, agricultural operations, delivery services, mobile technicians, and service companies driving between Yuma, Somerton, San Luis, the Foothills, and nearby farming areas. A single accident can create major financial and legal exposure.

At CEO Insurance & Financial Services, we help Yuma businesses insure their work trucks, vans, trailers, and fleets with commercial auto coverage tailored to their operations.

What Commercial Auto Insurance Covers

Liability Coverage

Covers damage your business vehicle causes to others, including:
• Bodily injury
• Property damage
• Legal defense and court costs

Required for vehicles titled or used in a business.

Physical Damage Coverage

Helps repair or replace your business vehicles.

Collision:
• Accidents with other vehicles
• Rollovers
• Hitting an object

Comprehensive:
• Theft
• Vandalism
• Fire
• Glass and windshield damage
• Weather damage
• Falling objects

Uninsured / Underinsured Motorist (UM/UIM)

Protects your business when another at-fault driver doesn’t have enough insurance.

Medical Payments Coverage (MedPay)

Helps pay for medical expenses for drivers and passengers, regardless of fault.

Hired & Non-Owned Auto (HNOA)

Covers your business when:
• Employees use their own vehicles for work
• You rent or borrow vehicles for business purposes

Critical for salespeople, estimators, and delivery staff using personal vehicles.

Vehicles We Insure in Yuma

We can insure:
• Pickup trucks
• Service vans
• Box trucks
• Flatbed trucks
• Cargo vans
• Refrigerated trucks (reefer)
• Farm support vehicles (non-farm use)
• Landscaper trucks
• Utility trucks
• Small fleets
• Trailers and equipment haulers

Businesses That Need Commercial Auto in Yuma

• Contractors & trades
• HVAC, electrical & plumbing companies
• Agricultural support & irrigation companies
• Landscapers & tree services
• Delivery & courier services
• Cleaning and janitorial businesses
• Mobile mechanics & technicians
• Restaurants with delivery
• Retailers with local delivery
• Nonprofits and churches

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

Why Yuma Businesses Choose CEO Insurance

• We compare multiple commercial auto carriers
• Options for one vehicle or full fleets
• Same-day Certificates of Insurance (COIs)
• Experience with contractor and agricultural support risks
• Bundle with GL, BOP, and Workers Comp
• English & Spanish bilingual service
• Independent agency — we work for YOU

How to Get Commercial Auto Insurance in Yuma, AZ

Call or text 480-270-2935
Tell us about your vehicles and drivers
We compare coverage and pricing from several carriers
You choose the plan that fits your budget and needs

Fast, professional, and local.

Commercial Auto Insurance FAQs — Yuma, AZ

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

Yes. Personal auto policies usually exclude business use.

Can you insure fleets?

Yes. We cover everything from a single truck to small and mid-size fleets.

Can you insure trailers?

Yes. Utility trailers, enclosed trailers, and equipment haulers can be added.

What if my employees drive their own cars for work?

Hired & Non-Owned Auto (HNOA) can help protect your business.