Commercial Auto Coverage for any business is a must. In fact, right after Phoenix General Liability Insurance, it is the second policy you should have to start your Phoenix business venture. If you or your employees will use titled vehicles in their work, then commercial auto is a must.
The problem with many small company owners is that they believe that if their car is in their in their own name, then having commercial auto coverage is really not necessary, because their personal auto policy will cover the auto. Nothing could be further from the truth. In fact, most personal auto policies exclude from coverage the use of a vehicle for commercial purposes, and you don't want to find out this information after you have had an accident. For the small amount of extra funds you will spend for this type of policy, it is well worth it, considering that a serious auto accident could wipe out a small business, which far exceeds the premiums paid for the coverage.
You should also purchase non-owned auto liability and hired auto liability coverage as well. Non-owned auto liability coverage will provide coverage to the business when employees use their personal vehicles for the business. Hired auto can also provide coverage whenever the business makes use of vehicles it does not own.