Commercial auto insurance is a type of insurance policy that helps cover vehicles used for business purposes such as cars, trucks, and vans. Commercial auto insurance covers vehicle damage and driver injuries.

Commercial auto policies tend to have higher coverage limits than personal policies, because business vehicles need more protection in case of accidents.

Commercial auto insurance covers business vehicles for things like:

• Damage to your vehicle(s)

• Driver injury

• Injury to someone else

• Damage to someone else's property

Vehicles covered by commercial auto insurance generally include:

• Cars

• Vans

• Pickup trucks

• Box trucks

• Service utility trucks

• Food trucks

In Arizona, commercial auto insurance is designed to provide coverage for vehicles used for business purposes, which can include a range of vehicles from cars and vans to box trucks and food trucks. This type of insurance is crucial for businesses as it not only covers damages to the insured vehicles but also provides for driver injuries, injuries to third parties, and damage to third-party property. Arizona state law requires all vehicles operated on the roads to have a minimum amount of liability insurance, and this extends to commercial vehicles as well. The minimum requirements for commercial auto insurance in Arizona are generally higher than for personal auto insurance to account for the increased risks associated with business use. Businesses must ensure that their commercial vehicles are adequately insured to protect against potential claims and to comply with state regulations. Failure to carry the proper insurance can result in penalties, including fines and suspension of vehicle registration. It's advisable for businesses to consult with an attorney to understand the specific coverage levels needed for their commercial vehicles and to ensure compliance with Arizona law.