Arizona General Liability Insurance Policy Information

Arizona General Liability Insurance. AZ general liability insurance protects your business against property damage, advertising injury claims, personal injury claims, and bodily injury claims. Such claims could jeopardize the success and reputation of your business.

As a business owner or small contractor, you require a form of general liability protection, to shield you from such unexpected situations. A single accident might lead into a lawsuit that is beyond your financial abilities. When that happens, you will be staring at losing your source of livelihood. That is where general liability insurance comes in.

Arizona general liability insurance pays for cost of third-party lawsuits over slip-and-fall injuries, property damage and more. Get a fast and affordable quote in AZ.

What Does General Liability Insurance Cover?

Businesses are inherently risky. The good news is that some of the risks can be protected. General business liability insurance helps to safeguard your business against various known and unknown risks. Some of the areas in your business that are covered by Arizona general liability insurance include:

Property damage and bodily injury: The property damage and bodily injury helps to protect your business against various business claims as well as claims alleging financial loss as a result of bodily injury or property damage, occurring out of your products or business operations. Slip an fall is covered here.
Advertising errors: This protects your AZ business from certain claims where others claim that your business has infringed on certain copyrights when advertising your goods, services or products.
Reputational harm: The reputational harm protects your business against claims of malicious prosecution, false arrest, slander, libel, wrongful eviction and violation of privacy rights, just to name a few.
Damage to rented premises: This helps to protect your company from certain claims that might occur during your business operations. This may be occasioned by lightning, fire or explosion.
Medical payments: Arizona general liability insurance will protect your business against medical claims brought forward, when someone gets injured in your business premises and requires medical treatment.
Some clients might also need you to agree to a certain level of general liability before you can provide goods or services to them. With AZ general liability insurance, such issues are adequately handled.
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AZ General Liability Insurance Cost

The cost of your Arizona general liability insurance coverage is determined by various factors. They include the business type, location of your business, the total number of employees in your business, as well as the risk level your business is exposed to. For example a roofer working on a roof faces much higher risks than an accountant sitting in an office behind a desk.

In our litigious society, more and more businesses are being sued due to issues like libel, slander, property damage, and bodily injury, just to name a few. Apart from that, businesses can be sued even when they have not done anything wrong. That is why your business requires general liability insurance protection.

AZ Small Business Insurance By Industry And/Or Type

Select the Arizona general industry or small business insurance type link below to find more detailed information on coverage, costs, exclusions and more:

Advertising, Marketing and Media
Agribusiness
Arts and Recreation
Auto Sales, Service And Repair
Aviation
Bonds
Children And Pets
Commercial Property
Construction Contractors
Contractors And Home Improvement
Education, Colleges, Universities And Schools
Financial Institutions
Food And Drink
Health And Beauty
Information Technology And Internet
Lodging Places
Local, State And Federal Government
Manufacturing
Marine, Boat And Watercraft
Medical And Dental
Miscellaneous
Non-Profit
Professional Services
Real Estate
Retail
Small Business Commercial Auto
Small Business Insurance
Sports And Fitness
Warehouse And Storage
Wholesale And Distribution
Arizona Specific Commercial Insurance Articles

Advertising, Marketing and Media

Learn about Arizona media liability insurance - a specialized form of professional liability insurance that provides protection for legal claims brought by third parties.

Agribusiness

Learn about AZ agribusiness insurance - a type of commercial insurance protects farmers against loss of, or damage to crops or livestock.

Arts and Recreation

Read up on Arizona arts and recreation commercial insurance.

Auto Sales, Service and Repair

Read about Arizona auto sales, service & repair insurance, which provides protection for damages done to customers vehicle's and other property as well as injuries resulting from the work done.

Aviation

Learn about AZ aircraft and aviation liability insurance - a specialized form insurance that provides coverage for hull losses as well as liability for passenger injuries, environmental damage and third-party damage caused by aircraft accidents.

Bonds

Learn about surety and fidelity bonds which are types of insurance that are used to protect against damage or loss in commercial transactions.

Children and Pets

Discover what Arizona commercial insurance policies cover for children and pet related businesses.

Commercial Property

Read up on Arizona commercial property insurance, including how business property insurance protects your company's building's and/or their contents from damage, destruction, theft and vandalism.

Construction Contractors

Learn about Arizona construction contractors insurance, including how much the premium costs and what is covered - and how commercial insurance can help protect your AZ construction business from lawsuits.

Contractors and Home Improvement

Learn about Arizona contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your AZ business from lawsuits.

Education, Colleges, Universities & Schools

Learn about Arizona commercial insurance for educators that helps protecting your professional reputation and other legal liabilities arising from your educational services.

Financial Institutions

Discover the types of commercial insurance that banks, finance companies and other Arizona financial institutions need to protect their asset management, deposit, lending, investment and other operations.

Food and Drink

Learn about Arizona restaurants, bars, liquor stores commercial insurance coverages. See how food service insurance help protect against accidents, oversights and lawsuits resulting from business operations.

Health and Beauty

Learn about Arizona health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.

Information Technology and Internet

Learn about Arizona IT technology insurance policies that help protect IT businesses, consultants & subcontractors from the unique risks that small tech businesses face when they work.

Lodging Places

Find out what types of business insurance that Arizona hotels, motels and other lodging places should have to protect their varied operations.

Local, State And Federal Government

Discover what types of commercial insurance government entities in Arizona need.

Manufacturing

Learn all about Arizona manufacturing insurance. Manufacturers face many unique risks such as product liability and/or product recall exposures due to the nature of their business operations.

Marine, Boat And Watercraft

Discover what types of commercial insurance government entities in Arizona need.

Medical and Dental

Discover Arizona business insurance for medical and dental professionals. Medical malpractice insurance is a type of professional liability that protects health care professionals from liability causing in bodily injury, medical expenses and property damage.

Miscellaneous

Find informative articles on miscellaneous AZ businesses including the types of commercial insurance they need, costs and other considerations.

Non-Profit

Find useful articles on business insurance for Arizona non-profit 501(c)(3) organizations, charities and associations.

Professional Services

Get informed about Arizona professional services insurance, including Professional liability, aka errors and omissions (E&O insurance), that protects your business against claims that a professional service you provided caused your client financial loss.

Real Estate

Learn about Arizona real estate insurance coverages including liability and commercial property policies for realtors, mortgage companies and more.

Retail

Read valuable Arizona retail insurance policy information. In a retail business, you need to have the right type of commercial insurance coverage so that your store, employees, and inventory are protected.

Small Business Commercial Auto

Learn about Arizona commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes.

Small Business

Protect your company and employees with AZ commercial insurance. Read informative articles on Arizona small business insurance coverages - and how they can help shield your company from legal liabilities.

Sports and Fitness

Learn about Arizona sports & fitness insurance policies and what they cover so that your customers, employees, and equipment are protected.

Warehouse and Storage

Learn about Arizona warehouse and storage insurance - which protects storage and warehouse facilities and protects their inventory from property damage from fire and weather, vandalism and theft and liability coverage as well.

Wholesale and Distribution

Read informative articles on Arizona wholesale distribution insurance. Distributors and wholesalers face specific risks including fire, flood and weather damage that can destroy products in the distribution center - and every part of the supply chain including late supplier shipments to unpaid invoices - can effect the entire operation.

Arizona Specific Commercial Insurance Articles

Read informative articles on AZ commercial insurance including costs and coverages.

Arizona Economic Data, Regulations And Limits On Commercial Insurance

Anyone who is thinking about starting a business knows that choosing the right location for their operations is essential. The right market and a demographic that will benefit from and be interested in purchasing the products and services a business offers is crucial for the success of an organization. If you're considering Arizona as the location for your company's headquarters or a new division of your business, it's imperative that you make sure the state offers a climate that will allow your operation to thrive.

By analyzing the employment rate and the key industries that are thriving in the state, you can determine if Arizona will be a suitable location for your business. It's also important to be aware of the forms of commercial insurance coverage business owners are required to carry. Below, we look at all three areas to help you decide if the Grand Canyon State is the right place for you to establish a business.

Economic Trends for Business Owners In Arizona

The unemployment rate in Arizona is higher than the national average; as of May, 2021, the rate was 4.9 percent, while the national average as 3.6 percent. However, compared to 2009, when the rate was 10.9 percent, there has certainly been a decrease in the rate of unemployment.

Urban areas are the ideal locations for businesses in the Grand Canyon State, such as Phoenix, Tempe, Scottsdale, and Chandler; but, smaller areas offer promise, too. Payson, Snowflake, Flowing Wells, and Cottonwood are just some of the smaller locations that are seeing economic growth in Arizona.

There are several key industries that are thriving within the state, including:

Aerospace and defense
Bioscience and health care
Film and digital media productions
Finance
Manufacturing
Professional and business services
Technology and innovation
Tourism
Trade, transportation, and utilities

Commercial Insurance Regulations In AZ

The Arizona Department of Insurance regulates insurance in Arizona. Commercial insurance is vital for a business, as it protects the interests of all who are involved with the organization; owners, employees, customers, and vendors. Like any other state, certain forms of commercial insurance are mandated in Arizona, meaning business owners are legally required to carry these policies.

All employers are required to carry workers' compensation insurance, as it provides coverage for work-related accidents and illnesses that employees sustain. Commercial liability insurance, which covers third-party personal injury and property damage liability claims, might also required for certain licenses.

For establishments that sell alcohol, liquor liability insurance is a legal requirement. Lastly, companies that rely on vehicles for business-related purposes (truckers, etc.) must carry a commercial auto insurance policy to protect the drivers of their commercial vehicles, as well as other drivers on the road.

Request a free Arizona General Liability Insurance quote in Anthem, Apache Junction, Arizona City, Avondale, Avra Valley, Benson, Bisbee, Buckeye, Bullhead City, Camp Verde, Casa Grande, Casas Adobes, Catalina, Catalina Foothills, Cave Creek, Chandler, Chinle, Chino Valley, Citrus Park, Coolidge, Corona de Tucson, Cottonwood city, Doney Park, Douglas, Drexel Heights, El Mirage, Eloy, Flagstaff, Florence, Flowing Wells, Fort Mohave, Fortuna Foothills, Fountain Hills, Gilbert, Glendale, Globe, Gold Canyon, Golden Valley, Goodyear, Green Valley, Guadalupe, Holbrook, Kingman, Lake Havasu City, Lake Montezuma, Litchfield Park, Marana, Maricopa, Mesa, New Kingman-Butler, New River, Nogales, Oro Valley, Page, Paradise Valley, Paulden, Payson, Peoria, Phoenix, Picture Rocks, Prescott, Prescott Valley, Queen Creek, Rincon Valley, Rio Rico, Saddlebrooke, Safford, Sahuarita, San Luis, San Tan Valley, Scottsdale, Sedona, Show Low, Sierra Vista, Sierra Vista Southeast, Snowflake, Somerton, South Tucson, Summit, Sun City, Sun City West, Sun Lakes, Surprise, Tanque Verde, Tempe, Thatcher, Three Points, Tolleson, Tuba City, Tucson, Tucson Estates, Vail, Valencia West, Verde Village, Village of Oak Creek, Wickenburg, Williamson, Winslow, Youngtown, Yuma and all other cities near me in AZ - The Grand Canyon State.

Also find Arizona insurance agents & brokers and learn about Arizona small business insurance requirements for general liability, business property, commercial auto & workers compensation including AZ business insurance costs. Call us (480) 937-2697.

Arizona General Liability Insurance