Arizona Business Insurance

Shop for workers ’ comprehensive examination, general liability and other coverages through the Progressive Advantage ® Business Program. We ’ ll aid you customize a policy that meets your business needs. Arizona reported 69,600 non-fatal workplace injuries in 2018, with about 84 % of them from individual sector businesses, according to the Bureau of Labor Statistics. An employee missing work, even for a brusque measure of time, can disrupt business operations and threaten cashflow. Arizona business owners should consider several types of business insurance to protect against risks related to their business property, employees and daily operations. A variety show of incidents including customer slips and falls, natural disasters and employee injuries can lead to expenses that might be unmanageable to overcome without indemnity. This protects against incidents like data breaches and cyber attacks. It includes first-party and third-party protective covering for things like fact-finding services, data convalescence and legal costs. Businesses that store or manage customer data, like credit tease information, typically need this coverage.

Arizona businesses that offer professional services should consider this coverage. It protects businesses from claims of professional negligence, both actual or alleged, and helps pay for defense costs. It ’ south besides known as errors and omissions policy ( E & O ). A BOP combines property and indebtedness coverage into one easy-to-manage policy. It ’ s a great choice for small to medium-sized businesses that economic rent or own commercial property such as a shopfront, warehouse or function build. Businesses in Arizona are required to have workers ‘ comprehensive examination policy if they have employees. Workers ’ compensation insurance helps pay for expenses related to employees becoming injured or ill while working for you. You need this coverage if you use your vehicles for your business, such as making deliveries or traveling between job sites. It provides indebtedness and physical damage coverage for your work vehicles and trailers that typically aren ’ triiodothyronine covered by a personal car policy. This is the most coarse business insurance coverage and about all businesses in Arizona should have it. It protects against third-party bodily injury and property damage, a well as personal and advertising injury .

How much does business insurance cost in Arizona?

The cost of an Arizona business insurance policy depends largely on the character of shape you do. Some industries are exposed to more risk than others and often need specialize coverage that is normally more expensive. For exemplar, general contractors who manage big projects with several subcontractors will pay more than a handyman who works independently on smaller projects .
early factors that affect your rate include coverage needs, business size and location. For example, a business in Phoenix can expect a different rate than a occupation in Tempe .
Learn more about the factors that influence your price or get a complimentary on-line quotation mark to find out your rate.

Arizona business insurance requirements

Workers ’ compensation is the only type of commercial enterprise insurance required by Arizona express law. Small business owners have the option to buy coverage through a private indemnity carrier or through the state of matter ’ sulfur secret insurance fund .
Minors, migrant workers and class members are considered employees and are required to be covered by a workers ’ comprehensive examination policy, according to the Industrial Commission of Arizona. Exceptions exist for independent contractors or those who aren ’ t typically involved in the common business of an employer .
While Arizona doesn ’ t legally require businesses to carry other coverages, like cosmopolitan liability or a BOP, many prospective clients and landlords do. They normally include specific coverage and limit requirements in their contracts which must be met before you ’ ra allowed to start working with them .

Arizona professions we insure

We help minor clientele owners from a broad variety of industries, including these common professions :
Browse more examples of professions we insure .

Why choose Progressive?

Options – We can help you secure coverage at any degree of your business ’ south development with the flexibility to adjust your policy as your commercial enterprise changes. Our agents will work with you to make surely you ’ re getting protection that meets both your needs and budget .
Experts – As the # 1 commercial Auto Insurer in America*, you can trust us with all your occupation policy needs. Our team of specially trained, in-house agents can assist you every step of the way to make certain you ’ re getting the best coverage for your business.

Convenience – There are respective ways to get a quote whether you need a individual Arizona policy or a combination of business policy coverages. Simply start a quote on-line or call us to speak with an agent .

Business insurance for all Arizona cities

We can customize business insurance in all Arizona cities, including, but not limited to :

  • Phoenix
  • Tucson
  • Mesa
  • Chandler
  • Scottsdale
  • Gilbert
  • Glendale
  • Tempe
  • Peoria
  • Surprise

More information

*No. 1 commercial car insurance company from SNL Financial ’ second 2019 home written bounty data .

source :
Category : News


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