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Business Insurance in Arizona

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What are the requirements for small business insurance in Arizona?

State laws can affect which insurance policies you need for your small business. These policies are required for Arizona businesses.
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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.

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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

Looking for different coverage? See more policies.

How much does small business insurance cost?

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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
View Small Business Insurance Costs

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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