Business Insurance in Arizona

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Get small business insurance for your Arizona business

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Recommended insurance policies for small businesses in Arizona

General liability insurance icon

General liability insurance

A commercial general liability policy is important for all Arizona businesses. It covers basic third-party risks, such as slip-and-fall injuries, and is often required for a commercial lease.

BEST FOR
  • Customer injuries at your business
  • Damaged customer property
  • Libel or slander lawsuits
Professional liability insurance icon

Professional liability insurance

This liability insurance coverage for professional services helps pay for client lawsuits related to mistakes and oversights. It's also called errors and omissions insurance (E&O).

BEST FOR
  • Work mistakes and oversights
  • Professional negligence lawsuits
  • Late or incomplete work
Cyber liability insurance icon

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 icon

Business owner's policy

A BOP bundles commercial property insurance and general liability coverage 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 icon

Workers’ compensation insurance

Workers’ comp is required for Arizona businesses that have any number of employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR
  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Commercial auto insurance icon

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 vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle
Looking for different coverage? See more policies.

Arizona business insurance requirements

State laws can affect which types of business insurance you need to carry. These policies are required in Arizona.

Blue check mark

Workers' compensation insurance

Arizona state law [PDF] requires all businesses that regularly have 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.

Blue check mark

Commercial auto insurance

All business-owned vehicles in Arizona must be covered by commercial auto insurance. Arizona's minimum requirements for auto insurance are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Trucking companies may need additional coverage to comply with regulations.

Though it's not required, personal 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 (BOP).

How much does small business insurance cost?

Business woman calculating costs of insurance.

Commercial insurance can be affordable for Arizona small business owners. Factors that influence the cost include:

  • Your industry and risk
  • Business operations
  • Location
  • Number of employees
  • Type of business insurance policies
  • Policy limits and deductibles
View Small Business Insurance Costs
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Find the right policies and get your certificate of insurance

Insureon can help you find coverage from top-rated insurance carriers that fulfills Arizona's requirements and your unique business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.

In Arizona, insurance agencies and agents 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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