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Arizona Business Insurance

Customized protection for your Arizona business

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 of incidents, including customer slips and falls, natural disasters and employee injuries, can lead to expenses that might be difficult to overcome without insurance.

Arizona reported 79,500 non-fatal workplace injuries in 2022, with over 87% of them from private sector businesses, according to the Bureau of Labor Statistics. An employee missing work, even for a short amount of time, can disrupt business operations and threaten cashflow.

Shop for workers’ comp, general liability and other coverages through the Progressive Advantage® Business Program. We’ll help you customize a policy that meets your business needs.

Types of AZ business insurance

General Liability

This is the most common business insurance coverage, and nearly all businesses in Arizona should have it. It protects against third-party bodily injury and property damage, as well as personal and advertising injury.

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Commercial Auto

You need this coverage if you use your vehicles for your business, such as making deliveries or traveling between job sites. It provides liability and physical damage coverage for your work vehicles and trailers that typically aren’t covered by a personal auto policy.

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Workers' Compensation

Businesses in Arizona are required to have workers' comp insurance if they have employees. Workers’ compensation insurance helps pay for expenses related to employees becoming injured or ill while working for you.

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Business Owners Policy (BOP)

A BOP combines property and liability coverage into one easy-to-manage policy. It’s a great option for small to medium-sized businesses that rent or own commercial property, such as a storefront, warehouse or office building.

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Professional Liability

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’s also known as errors and omissions insurance (E&O).

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Cyber Insurance

This protects against incidents like data breaches and cyber attacks. It includes first-party and third-party protection for things like investigative services, data recovery and legal costs. Businesses that store or manage customer data, like credit card information, typically need this coverage.

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How much does business insurance cost in Arizona?

The cost of an Arizona business insurance policy depends mostly on the type of work you do. Some industries are exposed to more risk than others and often need specialized coverage that is usually more expensive. For example, general contractors who manage large projects with several subcontractors will pay more than a handyman who works independently on smaller projects.

Other 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 business in Tempe.

Learn more about the factors that influence your cost or get a free online quote to find out your rate.

Arizona business insurance requirements

Workers’ compensation is the only type of business insurance required by Arizona state law. Small business owners have the option to purchase coverage through a private insurance carrier or through the state’s private insurance fund.

Minors, migrant workers and family members are considered employees and are required to be covered by a workers’ comp policy, according to the Industrial Commission of Arizona. Exceptions exist for independent contractors or those who aren’t typically involved in the usual business of an employer.

While Arizona doesn’t legally require businesses to carry other coverages, like general liability or a BOP, many prospective clients and landlords do. They usually include specific coverage and limit requirements in their contracts that must be met before you’re allowed to start working with them.

Resources for Arizona small business owners:

Arizona professions we insure

We help small business owners from a wide variety of industries, including these common professions:

Browse more examples of professions we insure.

Why choose Progressive?

  1. ​

    Options

    We can help you secure coverage at any stage of your business’s development with the flexibility to adjust your policy as your business changes. Our agents will work with you to make sure you’re getting protection that meets both your needs and budget.

  2. ​

    Experts

    As the #1 commercial auto insurer in America*, you can trust us with all your business insurance needs. Our team of specially trained, in-house agents can assist you every step of the way to make sure you’re getting the best coverage for your business.

  3. ​

    Convenience

    There are several ways to get a quote, whether you need a single Arizona policy or a combination of business insurance coverages. Simply start a quote online 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

Man with Arizona business insurance works in a commercial van

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