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Choose The Hartford for All Your Arizona Business Insurance Needs
Every year, Arizona continues to have more businesses opening and new jobs added.1 Small businesses help drive the economy in the Grand Canyon State, representing 99% of all businesses in Arizona and employing 1.1 million people.2
However, these businesses can’t thrive without the right insurance coverage to protect them. That’s why seguro de negocio plays an important role in the success of a company. At The Hartford, we understand the unique risks business owners face. More than 1.5 million small business owners trust us to protect them, their employees and their companies.
How Much Is Arizona Business Insurance?
Our small business insurance customers in Arizona pay an average of $947 a year, or about $79 a month, for a Business Owner’s Policy (BOP).3 For workers' compensation insurance, our small business customers pay an average of $1,116 a year, or about $93 a month.4
It’s important to remember that your insurance cost may be different than the average because every business has unique needs. The best way to find out how much business insurance will cost you is to obtener una cotización.
Types of Arizona Business Insurance Offered
Business Liability Insurance AZ
Business liability insurance is another name for general liability insurance. This insurance helps protect your Arizona business from claims that it caused bodily injury or property damage to someone else. These are common risks that can come up during normal business operations.
You can get a business liability insurance policy on its own, or you can get a BOP, which bundles it with two other types of coverage.
AZ Commercial Property Insurance
Commercial property insurance helps protect the owned or rented building, tools, equipment, furniture and inventory you use to operate. This coverage can help protect your business from property damaged caused by:
- Incendio
- Burglary
- Viento
- Robo
- Relámpagos
You can get a standalone commercial property insurance policy, or as part of a BOP.
AZ Business Income Insurance
Business income insurance helps replace lost income if you can’t operate because of covered property damage. With this coverage, you can continue to pay operating expenses until you can reopen, such as:
- Nómina de Sueldos
- Rent
- Loan payments
- Tax payments
Business income insurance is one of three types of coverage included in our BOP.
AZ Business Owner’s Policy (BOP)
Our BOP combines three essential types of coverage in one policy to give your business protection from claims related to bodily injury and property damage. Incluye:
- General liability insurance
- Commercial property insurance
- Business income insurance
Arizona Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, can help protect your business from claims that it made a mistake in the professional services given. If someone sues your business for an error or negligence, this insurance can help cover:
- Defense costs
- Judgments or settlements
- Attorney fees
Some businesses that can benefit from this coverage include:
- Interior designers whose clients can claim they used the wrong materials or failed to finish the project on time.
- Accountants y tax preparers who handle clients' finances and bookkeeping.
- Consultants who give professional advice to other businesses or individuals.
AZ Workers’ Compensation Insurance
Arizona workers’ compensation insurance helps your employees recover from work-related injuries or illnesses. It gives them benefits, which can help:
- Pay for their medical care
- Replace lost income if they can’t work
- Cover costs for ongoing care, such as physical therapy or surgery
If an employee’s family sues you, workers’ compensation insurance can help cover your legal costs.
Home-Based Small Business Insurance in Arizona
We know home-based businesses need protection just like brick-and-mortar stores. Our home-based business insurance provides more coverage than a typical homeowners insurance policy. It can help protect your business’:
- Archivos
- Tecnología
- Equipos
Commercial Auto Insurance in Arizona
If your business owns vehicles that you or your employees use for work, el seguro comercial para automóviles provides protection on the road. It can help cover claims of bodily injury or property damage due to an accident your business caused.
AZ Hired and Non-Owned Auto Insurance
If your business rents vehicles or you and your employees use personal cars for business, hired and non-owned auto insurance may be a good idea. A personal car insurance policy won’t cover claims if you or your employees get into an accident while driving for business. Without coverage, you’ll have to pay out of pocket for these claims, which can be expensive.
Arizona Minimum Business Insurance Requirements
If your business has at least one employee, Arizona's state law requires you to carry workers' compensation insurance.5 If you need commercial auto or hired and non-owned auto coverage, it needs to comply with Arizona’s minimum required liability limits for car insurance:
- Bodily injury liability: $25,000/$50,000
- Property damage liability: $15,000
Get an AZ Business Insurance Quote Today
As an insurer with more than 200 years of experience, we know the risks and challenges business owners face. We’ve helped more than 1.5 million small business owners get the coverage they need. Reciba una cotización today and see how The Hartford can help you.
Additional Arizona Business Insurance Links
To help you get the most comprehensive coverages possible, we offer additional insurance policies like:
- Commercial auto insurance in Arizona for help covering an auto accident if your employee is at fault.
- Commercial flood insurance which helps pay for flood damage caused to your business.
- Commercial property insurance to help protect the building your business owns or leases including it’s tools, equipment, inventory and furniture.
- Commercial umbrella insurancefor extra liability coverage if costs exceed your general liability or other policy limits.
- Data breach insurancefor help covering the costs associated with a data security breach.
- General liability insurance to help cover liability claims of bodily injury, property damage, libel and slander.
- Surety bonds for help managing risk in your business’ transactions.
- Employment practices liability to help pay for costs associated with lawsuits like wrongful termination, discrimination, workplace harassment or retaliation.
Última actualización: 9 de julio de 2024
1,2 U.S. Small Business Administration (SBA), “2023 Small Business Profile: Arizona.”
3,4 Premium amounts presented are based on monthly premium paid by The Hartford’s Small Business customers between 1/1/22 and 9/14/23 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.
5 The Industrial Commission of Arizona, “Employers’ Frequently Asked Questions.”
Divulgaciones adicionales a continuación.