Coverage
Business and commercial insurance
Commercial coverage is written around what your business actually does, so the quote depends on details a personal policy never asks about. Contracts, leases and licensing boards often dictate the limits, and we would rather read those requirements than guess at them.
What this coverage generally includes
- General liability
- Business owners policy (BOP), liability and property together
- Commercial property, equipment and tools
- Commercial auto, owned and hired and non-owned
- Workers compensation
- Professional liability and errors and omissions
- Commercial umbrella
- Certificates of insurance for your clients and landlords
What we will ask you
- What the business does, in detail, and annual revenue
- Payroll and the number of employees and subcontractors
- Any contract, lease or license that specifies insurance requirements
- Vehicles, equipment, tools and the locations you operate from
Worth knowing
- Arizona requires workers compensation for businesses with employees. Subcontractors can count as employees for this purpose.
- A personal auto policy generally excludes business use. Vehicles used for work usually belong on a commercial policy.
- We can issue certificates of insurance once a policy is in force, normally the same business day.
Descriptions of coverage on this site are general summaries for information only. They are not an offer of insurance, not a contract, and not a guarantee of coverage or price. Only the policy issued by the insurance company determines what is covered. Coverage, availability, discounts and eligibility vary by carrier and by applicant and are subject to underwriting.
Other coverage we place
- AutoLiability, collision and comprehensive cover for the cars your household actually drives.
- HomeCover for the structure, your belongings, and the liability of owning a home.
- CondoThe walls-in coverage your association master policy does not provide, plus your liability.
- RentersYour belongings and your liability. Inexpensive, and the one most renters skip.
- MotorcycleBikes, ATVs, UTVs and dirt bikes, including the gear and the custom parts.
- PetHelp with veterinary bills for accidents, illness and, on some plans, routine care.
- LifeTerm and permanent cover, sized to what the people who depend on you would need.
- Umbrella & specialtyExcess liability above your home and auto limits, plus the vehicles and risks a standard policy leaves out.
Get a quote, and a straight answer
Tell us what you have now and what you are worried about. We will compare the carriers we work with and walk you through the differences.