Independent insurance agency · Phoenix, Arizona

Insurance, handled by people who read the fine print.

Commercial and personal coverage from an independent agency licensed in 17 states. We shop A-rated carriers, tell you what the policy actually says, and send certificates the same day.

Get a quoteCall (623) 873-1234

Se habla español.

What are you insuring?

Declarations

Coverage summary — Trucking

Named insured
Your authority, your trucks
Prepared by
Commercialy
Reviewed by a
licensed agent
  1. 01

    Primary auto liability

    With the federal filing (MCS-90 / BMC-91X) that keeps your authority active.

  2. 02

    Motor truck cargo

    The load you are hauling, if it is lost or damaged.

  3. 03

    Physical damage

    The tractor and trailer themselves.

  4. 04

    General liability

    Claims that happen off the road: the dock, the yard, the shipper.

Watch for: A cancelled policy cancels the filing — and the truck stops.

Page 1 of 1Quote this — Trucking

Coverage

What we write.

Most businesses need three of these. Some need all of them.Open a line for the part people tend to find out about at claim time.

Commercial

07 lines
  1. 01

    General liability

    Injury and property damage you cause to other people.

    What people missCompleted operations: the claim can come years after the job.

  2. 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.

  3. 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.

  4. 04

    Trucking

    Liability, cargo and physical damage for for-hire carriers.

    What people missThe federal filing lives and dies with the policy.

  5. 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.

  6. 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.

  7. 07

    Umbrella

    Higher limits stacked over liability and auto.

    What people missIt only sits on top of what's underneath. Check the schedule.

All commercial lines

Personal

04 lines
  1. 08

    Home

    The house, what is in it, and liability for what happens there.

    What people missReplacement cost isn't market value.

  2. 09

    Auto

    Your cars, your drivers, and the other party.

    What people missThe state minimum is a legal number, not a safe one.

  3. 10

    Landlord

    Rental dwellings, one door or a portfolio.

    What people missLoss of rents keeps the mortgage paid while the unit is down.

  4. 11

    Renters

    Your belongings and your liability, wherever you rent.

    What people missThe landlord's policy covers the building, not your things.

All personal lines

Industries

Who we insure.

Businesses that sign contracts with other businesses, and the households behind them. Each one carries a different kind of paperwork.

Not on the list? Most businesses look like one of these once it is on paper. Call (623) 873-1234 or tell us what you do.

How it works

From first call to certificate.

Three steps, and you can do the first one from the job site. We handle the forms, the carriers and the fine print in between.

  1. 01Day one, about ten minutes

    Tell us about the business.

    By phone or online. What you do, where you work, and who is asking you for proof of insurance. You don't need to know the coverage names; that part is ours.

  2. 02Usually one to three business days

    We shop A-rated carriers.

    We take your account to more than one carrier and come back with a side-by-side: what's covered, what isn't, what it costs, and what we'd pick. In plain English.

  3. 03When you're ready

    You choose. We bind.

    Once the policy is bound, your certificate of insurance goes out, usually the same day, with the additional insured and waiver wording your contract asks for.

Your client wants a certificate by noon. So do we.

Additional insured, waiver of subrogation, primary and non-contributory: we read what the contract asks for and issue the certificate to match. Clients send requests to certificates@commercialy.com.

Get a quoteThe process in detail
A sample certificate of liability insurance showing additional insured and waiver of subrogation marked yes, stamped issued at 10:42 AM.

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

Questions

Asked often. Answered plainly.

Don't see yours? Call (623) 873-1234 or write to service@commercialy.com.

All 8 questions

Talk to a licensed agent, not a phone tree.

Tell us what the business does and we'll come back with options from more than one carrier, explained in plain English.

Call the office Se habla español

(623) 873-1234
Get a quoteContact us