Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
One local agent for your work trucks, liability and workers comp.
If a vehicle is used for work, a personal auto policy may not respond when it matters. Commercial auto covers work trucks, vans, pickups and small fleets, and it is the policy most owner-operators discover they needed after a claim.
Get a commercial quote
Tell us about the business. We compare several carriers and call you back with options.
No robo-dialers and no spam calls. A local agent follows up personally. Sending this does not bind coverage.
At a glance
Commercial auto in Arizona
Who needs it
Anyone whose vehicle is used in a trade or business, including sole traders.
Vehicles we write
Work trucks, vans, pickups, service vehicles and small fleets.
Why personal auto may not respond
Personal policies exclude business use, and the exclusion is applied at claim time.
Contract requirements
General contractors commonly require minimum limits and a certificate naming them.
Often added
Hired and non-owned auto, for employees driving their own cars on your business.
5.0 on Google and Facebook
A growing list of carriers
SIAA member agency
A local agent who picks up
One agent, the whole package
Most businesses need more than one policy. We quote them together, so nothing falls between two carriers and you have one person to call.
Commercial auto
Work trucks, vans, pickups and company vehicles.
General liability
Claims that your work caused injury or damage.
Workers comp
Your crew, if someone is hurt on the job.
Business owners policy
Liability and property bundled for a small business.
Businesses we work with
Non-standard commercial auto? We can also reach specialty markets when a standard carrier says no.
How it works
1
Tell us about your business: the work, the vehicles and the crew.2
We compare several carriers for the whole package: auto, liability and workers comp.3
A real person from our office calls you back with options. No robo-dialers.Start here
Personal auto policies contain a business use exclusion. The exact wording differs between carriers, but the effect is the same: if the vehicle was being used in your trade or business at the time of the loss, the carrier can decline the claim.
There is a lot of grey between commuting and hauling, and that grey is where owners get hurt. A pickup that carries tools and materials to job sites, a van with a ladder rack, a car that makes deliveries, a truck registered to an LLC: all of those look like personal vehicles in a driveway and commercial vehicles in a claim file.
Commercial auto also carries higher liability limits as standard, because a business is a bigger target than an individual and because general contractors and property managers write minimum limits into their contracts.
If you are not sure which side of the line you are on, that is a five minute phone call and it is much cheaper before the accident than after it.
This is the exclusion that decides whether a claim gets paid, and it is applied after the accident, not before.
Personal auto, used for work
The policy contains a business use exclusion that the carrier applies at claim time.
Liability limits are usually the ones you picked for a family car, not a business.
It will not satisfy a general contractor asking for a certificate of insurance.
Tools and materials in the vehicle are not covered by it in any case.
Commercial auto
Written for business use, so there is no argument about what the vehicle was doing.
Higher liability limits as standard, matched to what your contracts require.
Certificates of insurance can be issued, with additional insured wording where needed.
Tools, hired and non-owned auto and other business exposures can be attached.
The coverages
Same names as a personal policy, different limits and a couple of additions that only exist on the commercial side.
602-480-6453Commercial auto
Declarations
Liability
Pays for injury and property damage you cause while operating a business vehicle.
Usually written at limits well above the state minimum, because contracts and lawsuits both demand it.
Physical damage
Collision and comprehensive on the vehicle itself, including theft, fire and monsoon damage while it sits at a yard or a job site overnight.
Tools and equipment in the vehicle
Tools are generally not covered by the auto policy just because they were in the truck.
Inland marine or a tools and equipment endorsement is what covers them.
Hired and non-owned auto
Covers your liability when an employee drives their own vehicle or a rental on company business.
Cheap, frequently omitted, and the source of some unpleasant surprises.
Illustration of how a declarations page is laid out. Not a real policy.
One truck, four exposures
A work truck concentrates several different exposures into one asset. The vehicle itself has a value. The liability it creates on the road is larger than the vehicle is worth. The tools inside it are a separate asset with a separate policy. And the business behind it needs the truck running to earn.
That last one is why downtime matters. If the truck is off the road for three weeks, the loss is not just the repair bill. Some policies can address that, and it is worth asking about rather than discovering the gap in the third week.
Certificates are the other practical piece. General contractors and property managers ask for a certificate of insurance naming them, sometimes as an additional insured, before you can be on site. We issue those, and getting the wording right the first time saves a lot of back and forth.
The truck, the liability it creates, the tools it carries and the employees who drive their own cars for you are four separate coverage questions.
Your truck is how your business gets paid, so we treat it that way. We are an independent agency with even more markets open on the commercial side than on personal lines, and our list of carriers keeps growing, which means more places to find a fit for how your vehicles actually work.
Small trade businesses in the West Valley usually end up with the truck at one agency, the general liability at another and the house somewhere else again. Nobody is looking at the whole picture, and the gaps live exactly at the seams.
What we will ask about your vehicles
What each vehicle is, what it carries and who drives it
Whether anyone drives their own car on company business
What limits your contracts require, and who needs to be named on a certificate
What the tools in the truck are worth, since they are a separate policy
Whether there is a general liability or workers comp policy this should sit beside
The Hartford and Travelers are both long-standing small commercial markets and both are appointed here, and new commercial appointments keep adding to that list.
In their words
5.0 stars across Google and Facebook
“
Great experience with this insurance agent! He helped me find a good price for my car insurance and made the whole process easy and stress-free. Very helpful, honest, and professional. Highly recommend!
RY
Ramez Y.
I had a great experience with Shield of Faith Insurance! Mena took the time to understand our family's needs and explained each part of the coverage clearly. He helped us set up a home insurance policy with stronger protection and bundled it with our auto insurance for a package at a lower cost. What stood out most was his honesty and patience, he focused only on what truly benefited us, making the whole process simple and stress-free. We now have better coverage and peace of mind thanks to Mena. Highly recommend!
Hanna K. · Google and Facebook
Shield of Faith Insurance made getting renters insurance simple and affordable, after talking to a few other brokers, they were the ones who helped me get the best coverage with no stress!
Ahmad F. · Google and Facebook
I had a really good experience working with Shield of Faith Insurance. I needed new rental insurance as I was moving apartments. I got sent details on the policy next day and all I had to do was sign the forms. I ended up with a really good deal and saved about 20% compared to my old policy. I reached out to him again about auto insurance as well. I have had Geico for over 5 years and my premiums had only gotten more expensive. He somehow ended up getting me more coverage for half the price I was paying before. The entire process was easy and Mena was very responsive to email and text. Would highly encourage you to take a look and see what type of deals he can make for your insurance policies.
David G. · Google
I had a fantastic experience with Shield of Faith Insurance! Mena was incredibly patient and took the time to walk me through every detail of the coverage options. He made sure I understood the benefits clearly and only recommended what truly made sense for my specific situation. Thanks to Mena, I now have an auto policy that provides much better coverage at a significantly lower cost than what I was paying before. The entire process was smooth and efficient. He handled most of the backend work, which saved me a lot of time and hassle. If you're looking for an honest, knowledgeable, and helpful insurance agent, I highly recommend Mena at Shield of Faith Insurance!
Sara Z. · Google
Every review above is quoted in full from Google or Facebook. Read all of them.
Does my personal auto policy cover my work truck?
Often not. Personal auto policies contain a business use exclusion, and carriers apply it when the claim is filed rather than when the policy is sold. If the vehicle is used in your trade or business, it generally belongs on a commercial auto policy.
I am a sole trader with one truck. Do I really need commercial auto?
If the truck is used for the business, yes, and that is true even with no employees. It is also usually what a general contractor means when they ask for proof of insurance before letting you on site.
Are my tools covered if they are stolen out of the van?
Not by the auto policy simply because they were in the vehicle. Tools and equipment are covered under an inland marine policy or a tools and equipment endorsement. It is one of the most common gaps we find on contractor accounts.
What is hired and non-owned auto coverage?
It covers your business's liability when someone drives a vehicle you do not own on your behalf, such as an employee running to the supply house in their own car, or a rented truck. It is inexpensive and frequently left off.
Can you provide a certificate of insurance naming a general contractor?
Yes. Send us the contract or the certificate request with the exact wording the general contractor wants, including any additional insured requirement, and we will have it issued correctly rather than getting it kicked back.
Free and no obligation
At Shield of Faith Insurance, we make it easy to compare options for your business. Commercial auto, general liability, workers comp and a business owners policy can all sit with one local agent in Peoria, AZ.
Contact our Peoria office today to request your free, no-obligation insurance quote and discover how we can help you protect what matters most.
Call or text anytime during the business week. Evenings and Saturdays by appointment.
Service area
We write commercial auto insurance in Arizona for owner-operators and small fleets, including commercial auto insurance in Peoria, AZ and across the West Valley. Commercial vehicle insurance in Arizona, commercial truck insurance in Arizona, business auto insurance and work truck insurance all describe the same problem: a vehicle used for work sits outside a personal policy, and the exclusion is applied at claim time rather than at sale.
What happens next
1
Tell us about your business: the work, the vehicles and the crew.2
We compare several carriers for the whole package: auto, liability and workers comp.3
A real person from our office calls you back with options. No robo-dialers.Call us and describe how the vehicle is actually used. We will tell you honestly whether you have a problem, and how to fix it if you do.
