Knowing How to Insure Your Business Can Be Tough!
Choose what you need,
& we'll find your options!
Our Process
After submitting your information for a quote
- We will review your coverage and locate the best policy for you.
- Send an email and a text upon completion.
- We will call to review and confirm your coverage
As an Independent Insurance Agency we work with 60+ insurance providers searching for the best priced policy for our clients year after year.
Our Process
After selecting and filling out information for a quote
- We will review your coverage and locate the best policy for you.
- Send an email and a text upon completion with the recommended quote.
- Call to review your coverage.
General Liability Insurance
General liability business insurance in Arizona is one of the most widely used forms of business protection. It is designed to shield companies from claims involving third-party injuries, property damage, and personal or advertising-related harm. In Arizona, while this insurance is not legally required, it is frequently requested by landlords, vendors, and clients before contracts are finalized. Without it, your business may face lawsuits and expenses that could be financially damaging.
This type of insurance is especially important for small to mid-sized businesses, as legal claims are increasingly common in today’s world.
What does general liability insurance usually cover?
Bodily injuries that occur on your business premises
Property damage caused to third parties
Legal fees resulting from personal or advertising injury claims
However, it should be noted that general liability insurance will not cover every type of incident. The following are not included:
Injuries sustained by employees
Professional errors or advice-related issues
Damage to your own business property
Although coverage needs vary, many businesses in Arizona pay between $300 and $1,200 per year, depending on the nature and size of their operations.
For more info on liability insurance requirements, visit the Small Business Administration.
Get Your General Liability Insurance Policy
Explore coverage by clicking button below & telling us about your business or by giving us a call today!
Commercial Auto Insurance
When vehicles are used for business purposes—whether for deliveries, transportation of tools, or client visits—personal auto insurance will not provide adequate protection. In Arizona, it is required by law for all business-owned vehicles to carry a commercial auto insurance policy.
This type of insurance is essential for many industries, especially those in construction, HVAC services, landscaping, and mobile businesses.
Commercial auto insurance typically includes coverage for:
Liability for property damage and bodily injury
Medical payments following an accident
Comprehensive and collision damage
Uninsured and underinsured motorists
It is a common misconception that personal policies will cover business driving. However, this assumption can result in denied claims and uncovered losses.
Additional Considerations:
If employees drive their personal vehicles for work, Hired and Non-Owned Auto Insurance (HNOA) is needed to protect your business.
Specialty vehicles like work trucks, vans, or trailers are also eligible for coverage under a commercial policy.
Most importantly, having the proper auto coverage will ensure your business is protected both legally and financially.
Get Your Commercial Auto Insurance
Explore coverage by clicking button below & telling us about your business or by giving us a call today!
Business Owners Policy (BOP)
For many small businesses in Arizona, a Business Owners Policy (BOP) offers a cost-effective and convenient solution. This bundled insurance package combines general liability and commercial property coverage into a single policy. It was created specifically for small to mid-sized businesses that face a wide range of common risks.
Although it is not required by law, a BOP is often requested by landlords or clients and is considered essential for protecting your business’s physical assets and legal interests.
What does a BOP usually cover?
Property damage to buildings and business equipment
Loss of income due to unexpected interruptions
General liability for third-party bodily injury or property damage
This coverage is most suitable for businesses that:
Have a physical location (like a shop, office, or warehouse)
Work with the public or clients directly
Own valuable business property
Typical costs can range from $500 to $2,500 per year, depending on the size of your business, the industry you’re in, and your location.
Ideal for restaurants, retail stores, and office-based businesses.
Get Your Business Owners Policy
Explore coverage by clicking button below & telling us about your business or by giving us a call today!
Workers Compensation Insurance
When an employee is injured or becomes ill due to work-related activities, the costs associated with treatment and recovery can be significant. In Arizona, workers’ compensation insurance is required by law for any business with one or more employees even if they are part-time.
This mandatory policy is intended to protect both employers and employees by providing coverage for medical expenses and wage replacement.
Workers’ comp generally covers:
Medical treatment for on-the-job injuries or illnesses
Lost wages during recovery time
Rehabilitation or therapy services
Death benefits to surviving family members
While independent contractors are not automatically covered, Arizona law may still consider them employees depending on how the work is structured. That’s why a legal review or insurance consultation is strongly recommended.
Penalties for non-compliance can include:
Fines issued by the Industrial Commission of Arizona
Stop-work orders halting your business operations
Personal liability for any employee injuries
You can also explore details on Arizona’s Industrial Commission website.
Get Your Workers Comp Policy
Explore coverage by clicking button below & telling us about your business or by giving us a call today!
Errors & Omissions Insurance (E&O)
Even professionals with years of experience can make mistakes. That’s why Errors and Omissions Insurance (E&O) was created—to protect service-based businesses and individuals from claims related to professional negligence or failure to deliver services as promised.
While it is not legally required for all industries, many Arizona real estate agents, insurance brokers, and financial advisors must carry E&O insurance to maintain licensing and contractual obligations. It is one of the most common business insurance types in Arizona.
E&O insurance typically covers:
Legal defense costs
Settlements or court judgments
Client claims related to errors, missed deadlines, or faulty advice
It’s important to note that intentional acts, fraud, and criminal behavior are not covered under this type of policy.
How is E&O different from general liability?
General liability handles physical harm or property damage.
E&O covers financial losses due to professional mistakes or advice.
For industry-specific requirements, visit the Arizona Department of Insurance.
How to get Errors and Omissions Insurance?
Explore coverage by clicking button below & telling us about your business or by giving us a call today!