Auto Insurance

A commercial auto insurance policy is required under most circumstances when the vehicle is used for business purposes and meets certain other requirements. It is not just the registration that determines the requirement for a business automobile insurance policy.

What’s Covered?

Other requirements are ownership by a corporation, use in hauling goods for hire and gross vehicle weight of the vehicle. Some small trucks can be owned and insured under a personal automobile insurance policy under specific circumstances.

Commercial automobile insurance policies are not regulated in pricing, as are private passenger policies. There is price competition between insurance companies for good commercial automobile insurance


Customized to Fit Your Needs

With commercial auto insurance from Ensign & Associates, we’ll work with you to create a customized policy that may include:

  • Bodily Injury Liability

  • Medical Payments

  • Personal Injury Protection (PIP) Coverage

  • Comprehensive Coverage

  • Collision Coverage

  • GAP Coverage

  • Uninsured and Underinsured Motorist Coverage

Arizona Minimum Requirements

  1. Proof of liability insurance.
  2. Certificate of deposit of $40,000 assigned to the Office of the Arizona State Treasurer.

You must show this proof as soon as you become a resident of Arizona. AZ residency is established by any one of the following:

  • Working in Arizona.
  • Registering to vote in Arizona.
  • Being in Arizona for at least 7 months in a calendar year.
  • Paying in-state tuition for yourself or your children.
  • Owning an Arizona-based business with in-state vehicles.
  • Owning a business that transports people or materials within AZ.

In addition to liability insurance, Arizona car insurance carriers offer optional types of coverage, as well as various discounts to save you money.

Trusted Advisor

  1. Ensign & Associates are here to make sure your commercial auto insurance does its job: keeps you protected in case of an accident. We can do the shopping for you, apply applicable discounts, and – most importantly – make sure you have the right policy for your situation.

Put You & Your Family in Good Hands

Get In Touch

Drop us a note and we’ll get back to you as soon as possible.