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Common questions about Commercial Auto Insurance

Many business owners in Prescott Arizona aren't sure if they should have commercial auto coverage.  Mosaic Insurance would like to help educate you on whether or not commercial auto coverage is right for you.

What is commercial auto insurance? 

It is insurance coverage for any vehicle designated for business and protects those vehicles for both property damage and liability.

What does it cover exactly?

Different insurance companies cover different items.  It is best to discuss your personal needs with your Agent.  Here are some of the more common things that could be covered on a commercial auto policy:

  • Property Damage to others
  • Bodily Injury to others
  • Personal injury for yourself, the employee drivers or passengers
  • Medical payments
  • Lost wages
  • Collision coverage
  • Comprehensive coverage
  • Uninsured and under insured motorist coverage
  • Non-owned auto coverage for employees driving vehicles not owned by your company

When do I need commercial auto insurance?

It is needed for any vehicle that your company uses for business purposes.  It is needed if your employees will be driving a vehicle in the course of doing business.  IE: making deliveries on behalf of the business.

You may be required to have commercial auto coverage if you business uses a vehicle in the following manor:

  • Carrying equipment
  • Taking someone to the airport
  • Running errands for your business
  • Going to the bank

As you can see, there are many instances when a commercial auto policy makes sense to protect your business assets.  If you would like a personal review of your business’ insurance needs, don’t hesitate to call Mosaic Insurance at 928-458-7374.


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