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.
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.
This policy is important for all Arizona businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.
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.
This policy helps Arizona businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.
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.
Workers’ compensation insurance is required for Arizona businesses that have any number of employees. It can cover medical costs for work injuries and illnesses.
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.
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.