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 69,800 non-fatal workplace injuries in 2020, with nearly 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
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?
Business insurance for all Arizona cities
We can customize business insurance in all Arizona cities, including, but not limited to: