Commercial insurance
Coverage for the business you actually run.
From an owner-operator with one truck to a contractor with a full crew: we ask what the business does, where it works and who wants proof of insurance, then take it to more than one carrier.
Independent agencyBased in Phoenix, ArizonaLicensed in 17 statesSame-day certificatesCA License #6010584
Lines
What we write.
Most businesses need three of these. Some need all of them. Each line opens to what the policy covers, who needs it, and the questions we hear about it.
- 01
General liability
Injury and property damage you cause to other people.What people missCompleted operations: the claim can come years after the job.
- 02
Commercial auto
Vehicles used for the business, owned or titled to it.What people missHired and non-owned: the employee's own car on a work errand.
- 03
Workers' comp
Medical bills and lost wages when someone is hurt on the job.What people missOwners can often include or exclude themselves. Choose on purpose.
- 04
Trucking
Liability, cargo and physical damage for for-hire carriers.What people missThe federal filing lives and dies with the policy.
- 05
Contractors
The package a job site expects before you pull up.What people missAdditional insured, waiver of subrogation, primary and non-contributory. Read the contract; it usually asks for all three.
- 06
Commercial property
The building, the equipment and what is inside.What people missBusiness income: the rent and payroll don't stop when the doors do.
- 07
Umbrella
Higher limits stacked over liability and auto.What people missIt only sits on top of what's underneath. Check the schedule.
- 08
Specialty lines
Cyber, professional liability (E&O), employment practices and D&O.What people missGeneral liability doesn't cover a professional mistake or a data breach. Each needs its own policy.
Why Commercialy
What you can hold us to.
Every agency says it has your back. Here is what that looks like at ours, and what it doesn't.
The minimum is a legal number, not a safe one.
We will05
- Read your contract's insurance clause before you sign it.
- Tell you when the state minimum isn't enough.
- Answer in English or Spanish.
- Shop more than one carrier at every renewal.
- Turn most certificate requests around the same day.
We won't04
- Sell you coverage you don't need.
- Disappear after the policy is bound.
- Bury the exclusions.
- Quote one carrier and call it shopping.
Independent agency Based in Phoenix, Arizona Licensed in 17 states Se habla español
Not sure which of these you need?
That part is our job. Tell us what the business does and who is asking for a certificate, and we'll tell you which lines fit and which ones your contracts require.