Frequently Asked Questions (FAQ)

Welcome to our FAQ. Whether you’re a small business owner, fleet manager, or individual looking for personal, commercial or business coverage, we’re here to help. If you don’t find what you need below, feel free to contact us directly.

General Questions

Q: What kinds of insurance do you offer?

A: We offer a broad range of insurance lines, including personal, business, and commercial auto coverage. Other offerings include home insurance, surety bonds, commercial property, general liability, workers’ compensation, trucking, and specialty coverages.

Q: Since when have you been in business?

A: We’ve been proudly serving clients since 1987, helping businesses and individuals across Arizona, Texas, and California.

Q: Which states do you serve?

A: Our primary service areas are Arizona, Texas, and California.

Q: What is business or commercial auto insurance?

A: Commercial auto insurance is designed for vehicles used in business operations—this could be for deliveries, transporting goods, employee travel, or other business purposes. It provides coverage beyond what personal auto insurance offers: liability, damage to the vehicle, bodily injury, etc.

Q: Do I need commercial auto insurance if I use my own car for business errands?

A: It depends. If you're using your personal vehicle occasionally for business purposes, your personal policy may cover some of that but often, it does not fully cover business-related risks. For steady or regular business use, a commercial auto policy may be necessary to ensure adequate protection.

Q: What factors affect my commercial auto insurance rate?

A: Rates are influenced by several factors, including:

  • Type of vehicle(s) (make, model, year)

  • How and how often the vehicle is used

  • Driver history (accidents, traffic violations, experience)

  • Geographic location & exposure (where you operate, risk of theft/accidents)

  • Coverage levels (liability limits, physical damage, comprehensive, etc.)

  • Coverage Details

Q: What does “liability coverage” include?

A: Liability coverage typically covers injury to others or damage to another person’s property if you're responsible for an accident. It does not cover damage to your own vehicle—that would be under collision or comprehensive, depending on the policy.

Q: What is the difference between comprehensive and collision coverage?

A: Collision coverage protects your vehicle if it crashes into another car, object, or rolls over.

Comprehensive coverage covers non-collision related damage—such as theft, vandalism, fire, natural disasters, or hitting an animal.

Q: Do you offer coverage for “non-owned” or “hired” vehicles?

A: Yes. For many businesses, it’s important to insure “non-owned vehicles” (vehicles you do not own but are used for business) and “hired vehicles” (vehicles you rent/lease). We can help structure policies to include those exposures, depending on your operations.

Q: How do I file a claim?

A: When a covered incident occurs, contact your insurance carrier/claims adjuster as soon as possible. We can guide you through the documentation, assessment, and repair or compensation process. We also help customers understand what their policy covers to avoid surprises.

Q: What information will I need in case of a claim?

A: Usually you’ll need:

  • Date, time, and location of the incident

  • Parties involved (names, contact info) and witness info if any

  • Police report (if applicable)

  • Photos of damage, injuries, or incidents

  • Details of any repairs or medical treatment

  • Pricing, Discounts & Customization

Q: Can I customize my coverage?

A: Absolutely. We offer flexible coverage options to match your business’s unique risks. You can tailor things like liability limits, deductible amounts, physical damage coverage, and more.

Q: Are there discounts available?

A: Yes. Possible discounts may include safe driving records, bundling of policies (e.g. auto + general liability), having modern safety equipment on your vehicles, and more. We’ll review all your options when you request your quote.

Q: What payment options are available?

A: We offer several payment plans—monthly, quarterly, or annual—depending on carrier and policy. Contact us to see what works best for your budget.

Q: Why choose BusinessAutoInsurance.Online / SCDS Insurance Services?

A: Because:

  • We bring decades of experience (since 1987) 

  • We serve multiple states, tailoring coverage to local laws and risks 

  • We partner with reputable carriers to offer strong protection and support 

  • We make insurance simple and accessible, real people, real protection.  

Q: How do I get a quote?

A: You can schedule a call with us via our website (“Schedule a Call”) or fill out a quote request form. We’ll ask for some basic information about your business and vehicles, then provide options tailored to your needs.

👉 Get a free insurance quote today and find out how cheap peace of mind can be.