“The information provided in this website is for illustration purposes only. Only the insurance policy itself contains complete coverage information. For premium quotes, specific coverage options, products and services, please contact us.”

If you own SWIFT Trucking you obviously know that you do, in fact, need Commercial Auto Insurance. However, there are a host of individuals driving our streets daily that not only don’t know they need Commercial Auto Insurance, but may not even know what it is. That’s why that it is imperative that you share the information herein with virtually everyone you know, after, of course, you ask them, DO YOU NEED COMMERCIAL AUTO INSRANCE?

“The thing is,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that serves the Phoenix Metro area regarding Insurance including Phoenix, Scottsdale, Glendale, and Peoria, Arizona to name just a few, shared with just a tad bit of exasperation in his voice, “many people who need this coverage the most don’t even realize they are using their vehicle for what is considered ‘Commercial’ purposes, including, but not limited to, construction workers and in-town salesmen.”

One of Bivona’s greatest concerns is that in some areas, having Commercial Insurance isn’t just a good Business Practice, it’s the law. This may be the case if:

  • You provide a service directly using your vehicle
  • You are paid to transport people or products
  • You haul a trailer or heavy equipment
  • You have employees who operate your vehicle

“There’s a subtle situation here,” Bivona pointed out. “If you use your pick-up to commute to your job site, you don’t need Commercial Insurance. However,” he continued, “if you are hauling heavy equipment or tools you may find it’s a whole different ball of wax.”

The complexity of determining if you need Commercial Insurance is intensified because of the fact that there are so many mitigating circumstances to be considered. As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Business Coverage.


To learn more about the BIVONA INSURANCE GROUP, LLC go to

(To learn more about this issue, check out “COMMERCIAL AUTO INS.”)