Liability Coverage: Liability coverage is a fundamental component of Commercial Auto Insurance. It provides financial protection if you or one of your drivers is at fault in an accident that causes bodily injury or property damage to others. Arizona law requires minimum liability coverage limits, but it's advisable to consider higher limits to ensure adequate protection.

Property Damage Coverage: Property damage coverage helps pay for damages to another person's property if you or your driver is responsible for an accident. This coverage can include repairing or replacing vehicles, buildings, or other property damaged in a covered incident.

Bodily Injury Coverage: Bodily injury coverage provides coverage for medical expenses, rehabilitation costs, and potential legal expenses if you or your driver is at fault in an accident that causes injuries to other people.

Uninsured/Underinsured Motorist Coverage: Uninsured/underinsured motorist coverage is essential protection in case you or your driver is involved in an accident with a driver who doesn't have insurance or has insufficient coverage. This coverage helps cover medical expenses and damages for bodily injury that you would typically recover from the at-fault party.

Collision Coverage: Collision coverage pays for the repair or replacement of your commercial vehicle if it is damaged in a collision with another vehicle or object, regardless of fault. This coverage is particularly important if your vehicle is valuable or critical to your business operations.

Comprehensive Coverage: Comprehensive coverage provides protection for damage to your commercial vehicle caused by non-collision incidents such as theft, vandalism, fire, or natural disasters. It can also cover other losses like broken windshields or damage from falling objects.

Medical Payments Coverage: Medical payments coverage helps cover medical expenses for you and your passengers if they are injured in an accident, regardless of fault. This coverage can be particularly important for covering immediate medical costs and can help provide timely care for injuries.

Hired and Non-Owned Auto Coverage: If you occasionally rent or borrow vehicles for business purposes or have employees who use their personal vehicles for business-related activities, hired and non-owned auto coverage can extend your liability protection to these vehicles.

Personal Injury Protection (PIP) Coverage: Michigan is a no-fault state, and PIP coverage is required. PIP coverage helps pay for medical expenses, lost wages, and other injury-related costs for you and your passengers, regardless of fault. (Not offered in AZ, CA, NM, TX)

Property Protection Insurance (PPI): Michigan also requires PPI coverage, which helps cover damage to property within the state, such as buildings, fences, and parked vehicles, caused by your vehicle. (Not offered in AZ, CA, NM, TX)