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Required insurance policies for small businesses in Arizona
State laws can affect which business liability insurance policies you need for your small business. These policies are required in Arizona.
Workers' compensation insurance
Arizona state law requires all businesses that regularly hires or employees at least one employee, full-time or part-time, to carry workers’ compensation insurance. Some coverage exceptions include independent contractors, casual or occasional workers, and domestic workers who are only employed in a home.
Commercial auto insurance
All business-owned vehicles in Arizona must be covered by commercial auto insurance. Arizona requires $15,000 bodily injury liability per person, $30,000 bodily injury liability per accident, and $10,000 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.
Recommended insurance policies for small businesses in Arizona
General liability insurance
This policy is important for all Arizona businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.
BEST FOR
- Customer injuries at your business
- Damaged customer property
- Libel or slander lawsuits
Professional liability insurance
This policy, also called errors and omissions insurance, protects professionals whose work depends on their expertise. It covers client lawsuits over mistakes and missed deadlines.
BEST FOR
- Work mistakes and oversights
- Professional negligence lawsuits
- Late or incomplete work
Cyber liability insurance
This policy helps Arizona businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.
BEST FOR
- Data breach lawsuits
- Client notification expenses
- Fraud monitoring costs
Business owner's policy
This policy bundles property insurance and general liability insurance in one plan. It's often the most cost-effective type of commercial insurance for an Arizona business.
BEST FOR
- Customer injuries
- Damaged customer property
- Damaged business property
Workers’ compensation insurance
Workers’ compensation insurance is required for Arizona businesses that have any number of employees. It can cover medical costs for work injuries and illnesses.
BEST FOR
- Employee medical expenses
- Partial missed wages
- Lawsuits over employee injuries
Commercial auto insurance
This policy is required for business-owned vehicles in Arizona. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.
BEST FOR
- Accidents involving business-owned vehicles
- Theft of a business-owned vehicle
- Damage to a company vehicle
Looking for different coverage? See more policies.
How much does small business insurance cost?
Commercial insurance can be affordable for a small Arizona business. Factors that influence the cost include:
- Your industry and risk
- Coverage limits
- Location
- Number of employees
Insureon specializes in Arizona business insurance
In Arizona, insurance agents and agencies are licensed by the Arizona Department of Insurance. Insureon is licensed in Arizona 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 license number.
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