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Recommended insurance policies for small businesses in Arizona
General liability insurance
General liability covers common 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
Cyber liability insurance
This policy protects Arizona small businesses against data breaches and cyberattacks that affect your business or a client.
- Data breach lawsuits
- Client notification expenses
- Fraud monitoring costs
Business owner’s policy
This policy bundles property insurance and general liability insurance. It's often the most cost-effective type of commercial insurance for an Arizona small business.
- Customer injuries
- Damaged customer property
- Damaged business property
Workers’ compensation
Workers’ compensation insurance is required for Arizona small businesses that have employees. It can cover medical costs for work injuries.
- Employee medical expenses
- Wages lost while unable to work
- Lawsuits over employee injuries
Commercial auto insurance
This policy is required for vehicles owned by Arizona small businesses. It covers injuries and property damage in an accident, along with other types of damage.
- Accidents involving business-owned vehicles
- Theft of a business-owned vehicle
- Damage to a company vehicle
Looking for different coverage? Check out our other policies.
What are the laws and requirements for small business insurance in Arizona?
Workers' compensation insurance
Arizona state law requires businesses that regularly hires or employ at least one employee, full-time or part-time, to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.
Commercial auto insurance
Vehicles owned by businesses in Arizona must be covered by commercial auto insurance. Arizona requires $25,000 bodily injury liability per person, $50,000 bodily injury liability for two or more persons, and $15,000 property damage liability per accident.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, 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?
Commercial insurance can be affordable for a small Arizona company. Factors that influence the cost include:
- Your industry and risk
- Coverage limits
- Location
- Number of employees
We specialize in business insurance for Arizona IT and technology professionals
Our agents are experts in insurance for Arizona technology businesses. They can help you find policies that fit your company and fulfill state requirements. TechInsurance is licensed by the Arizona Department of Insurance as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance and for surplus lines (license number 1800007875).
You can verify our licensure with the National Association of Insurance Commissioners by selecting Arizona, licensee, and business entity, then entering our NPN or state license number.