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Getting Commercial Insurance in Tempe, AZ
Running a small business in Tempe or Mesa has its challenges. No matter which city your business is located, we have the commercial insurance that can keep it protected. Also known as business insurance, this coverage is crucial to protect your business from liabilities. For instance, if a customer slips in your store and needs medical attention, business insurance coverage can help pay for their treatment. Without it, you’ll have to pay out-of-pocket, which can cost thousands.
The best way to protect your company’s finances is to get the right Arizona business insurance coverage. To learn more, obtener una cotización.
Who Needs Liability Insurance in Mesa?
Liability insurance can help a variety of industries throughout Arizona, including:1,2
Business Insurance in Other Arizona Cities
We offer Arizona business insurance in other Arizona cities, including:
Hartford Insurance in Mesa, AZ for Small Businesses
Some business insurance coverages that can help protect your company include:
Workers’ compensation in Arizona to help give your employees benefits if they have a work-related injury or illness.
Commercial property insurance, which helps protect your company’s physical assets. For instance, it can help pay to repair or replace your business’ property after a fire damages or destroys it.
General liability insurance helps protect your company from liability claims alleging:
- Lesiones corporales
- Daños a la propiedad
- Libel
- Slander
Commercial auto insurance to help cover costs if you or your employees are in a car accident while driving for work.
Commercial umbrella insurance to give you extra liability limits to help pay costs that exceed your other liability policy limits.
Cost of Business Insurance in Mesa, AZ
The costs of your business insurance may depend on factors like your:
- Industria
- Number of employees
- Lugar
- Business’ age
- Value of your property
To find the best price for the liability coverages you need, it’s best to compare quotes from different insurance companies.
The coverages needed for your business operations will also impact how much you pay for each policy. The higher your limits, the more you’ll pay.
Top Questions About Tempe Business Insurance
Do I Need a Business License to Get Insurance in Tempe?
In Arizona, business owners need to get commercial auto insurance to cover their company vehicles. You’ll also need workers’ compensation coverage for all your employees. This is important because private health insurance won’t help pay for medical treatment for injuries or illnesses that your employees get on the job. So, instead of relying on independent insurance, your employees will need workers’ comp benefits to help pay for their medical expenses.
It’s also recommended that you get:
- General liability insurance
- Professional liability insurance
- Cyber liability insurance
Why Is Professional Liability Insurance in Tempe, AZ Important?
If you offer advice or are an expert in your industry, professional liability insurance can be especially important for help covering any errors or omissions in your services provided. It can help cover claims of:
- Negligence
- Misrepresentation
- Inaccurate advice
So, if your accountant makes a mistake in calculating your client’s taxes that causes them to have to pay penalties and they sue you, this coverage can help pay your legal fees.
What Insurance Do I Need for My Small Business in Mesa?
In Arizona, you’ll need workers’ comp and commercial auto insurance. But it’s also a good idea to get:
- General liability insurance
- Professional liability insurance
- Cyber insurance
These coverages help protect your business from risks company’s face every day.
What Insurance Does an LLC in Tempe Need?
Limited liability companies can get LLC insurance to help cover liability claims like bodily injury or property damages. Without this coverage, you’ll have to pay out-of-pocket for claims filed against you.
We’re backed by more than 200 years of experience and can help your business get the coverage it needs. To learn more, obtener una cotización from us today.