Commercial Auto Classifications
Your specific AZ, CA, NV or TX commercial auto classifications will probably be found here. As you see below, commercial auto classifications are loosely grouped under five general categories.
This post is arranged so you can click on your state of domicile for each of the general categories for more information on the type of commercial auto insurance of interest.
For Hire Trucker Transportation Insurance – this category of commercial auto insurance is for long haul and regional haul truck commercial auto. Click on your state for more info and more examples: Arizona, California, Nevada, or Texas.
Contractor Commercial Auto Insurance – this category of commercial auto insurance includes independent trade contractors and is focused on construction contractors. Click on your state for more info and more examples: Arizona, California, Nevada or Texas.
Trucking for Hire Commercial Insurance – this commercial auto insurance category includes the heavy duty local trucking such as dump trucks, asphalt haulers, etc.. Click on your state for more info and more examples: Arizona, California, Nevada or Texas.
Non Standard Commercial Auto Insurance – this commercial auto insurance category includes ambulances, tow trucks, paratransit, etc.. Click on your state for more info and more examples: Arizona, California, Nevada or Texas.
Our goal here was to publish the informal categories of commercial auto classifications to help the reader zero in to his/her specific category of interest without having to first learn the terminology so as to save time.
As an aside, our brokers answer their own phones and emails. At your initial contact with us, you are given your broker’s cell phone number and direct email address. Where, in most agencies, your broker hides behind a wall of telephone prompts and disinterested, underpaid receptionists.
At sp Business Insurance Services, all aspects of your account are handled by your broker. This arrangement places your broker’s interests in harmony with your interests because it places responsibility for your satisfaction squarely on your broker. This responsibility includes all followup service such as Certificates of Insurance and Additional Insures Certificated, adding and deleting drivers, overseeing claim resolutions in your favor and all other matters pertaining to your insurance. When was the last time you had a Certificate of Insurance or Addition Insured Certificate in your hands two hours after you requested it. Perhaps this is one of the reasons our client retention exceeds 99%.
The other reason for our remarkable client retention is that we shop the market for the lowest possible premium for your needs. We have no “loyalty” to any insurance company because we, as brokers, represent you – not any insurance company. If an insurance company has a bad year and wants to raise your premiums at renewal, we make a seamless transition to another insurer to keep your rates as low as possible. We require that each insurer in our stable maintain an ‘A’ or better, rating from AM Best.
Finally, we only write commercial insurance.