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Recommended insurance policies for small businesses in Arizona
These insurance policies defend Arizona small business owners against common lawsuits and other top risks.
General liability insurance
A commercial general liability policy covers common third-party risks for small businesses in Arizona, including customer property damage and injuries. Commercial leases often require this policy.
- Customer injuries at your company
- Damaged customer property
- Copyright and defamation lawsuits
Errors and omissions insurance
This policy is also called professional liability insurance. It protects professionals against lawsuits over mistakes, missed deadlines, and oversights.
- Work errors and oversights
- Professional negligence lawsuits
- Late or incomplete work
Professional liability insurance
This type of coverage protects Arizona businesses against lawsuits related to the quality of their professional services or advice. It's sometimes referred to as E&O insurance.
- Mistakes and oversights
- Breach of contract
- Missed deadlines
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage at a discount. It's often the most cost-effective type of business insurance.
- Customer injuries
- Damaged customer property
- Damaged business property
Workers' comp insurance
Arizona state law requires workers’ comp for businesses with employees. Sole proprietors and independent contractors also buy this coverage, as personal health insurance won’t cover work injuries.
- Medical expenses from work injuries
- Legal fees from work injuries
- Disability benefits
Cyber insurance
This policy protects Arizona small businesses against financial losses from data breaches and cyberattacks. It’s also called cybersecurity insurance.
- Data breach lawsuits
- Client notification expenses
- Fraud monitoring costs
Commercial auto insurance
This policy is required for vehicles owned by Arizona small businesses. It helps cover financial losses from an accident, along with other types of damage.
- Injuries caused by your vehicle
- Property damage caused by your vehicle
- Vehicle theft and vandalism
Fidelity bonds
A fidelity bond reimburses your clients in the event of employee theft. Your clients may ask you to secure a bond before they will work with your business.
- Illegal electronic funds transfer
- Forged signatures
- Theft of cash or property
Commercial umbrella insurance
An umbrella policy boosts the coverage of your general liability, commercial auto, and employer's liability insurance. It can help your small business comply with requests for higher liability limits.
- Personal injury lawsuits
- Auto accident lawsuits
- Workplace injury lawsuits
Looking for different coverage? Check out our other policies.
What are Arizona’s small business insurance requirements?
State laws can affect which policies you need. These insurance products are required for all Arizona businesses.
Workers' compensation insurance
Arizona state law requires businesses that regularly employ at least one worker, full-time or part-time, to carry workers’ compensation insurance. This policy covers medical bills for work-related injuries and illnesses.
Most policies include employer's liability insurance, which helps pay for lawsuits related to employee injuries.
Commercial auto insurance
Vehicles owned by limited liability companies (LLCs), startups, and other businesses in Arizona must be covered by commercial auto insurance.
Arizona's requirements for auto liability insurance coverage are:
- Bodily injury liability for one person: $25,000
- Bodily injury liability for two or more persons: $50,000
- Property damage liability per accident: $15,000
Personal, rented, and leased vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.
How much does small business insurance cost in Arizona?
Commercial insurance can be affordable for small businesses with low risks. Average costs for TechInsurance customers in Arizona are:
General liability: $42 per month
Professional liability / E&O: $71 per month
Workers' compensation: $46 per month
Factors that influence the cost of business insurance include:
- Your industry and risk
- Business operations
- Number of employees
- Coverage limits
- Claims history
Why Arizona business owners choose TechInsurance
Gain financial protection
The costs from a lawsuit or data breach can overwhelm a small business. Protect against common risks with the right business insurance coverage.
Find insurance policies for your small business in Arizona
Whether you need coverage to sign a contract, rent an office, or get a license, TechInsurance can help you find the right business insurance policies. Our insurance agents are licensed in Arizona and can help you find affordable policies from top-rated insurance carriers.
Get started today by filling out our easy application. You can chat with an agent about your business insurance needs and get answers to any questions. When you're ready, pay for a policy online and get a certificate of insurance (COI) immediately to show clients that your business is protected.
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