Business insurance in Arizona
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Get small business insurance in Arizona
biBerk is trusted by many companies for small business insurance in Arizona. We offer flexible policies to protect you from the many types of risk Arizona businesses face. That’s why companies turn to us for commercial insurance in Arizona.
Arizona Workers' Compensation insurance
This insurance helps protect your business if an employee is injured, gets sick, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury. We offer tailored workers’ comp in Arizona to suit your business.
Workers' Compensationchevron_rightArizona General Liability insurance
Also known as commercial liability insurance, a general liability policy is a vital type of Arizona liability insurance. It covers damages and legal costs associated with injury claims by customers and other people who don’t work for you (like from slip-and-fall accidents at your location), damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your general liability insurance in Arizona, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.
General Liabilitychevron_rightArizona Business Owners Policy (BOP)
Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance (for things like non-employee injuries and customer property damage) with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. If your building is damaged by a severe storm, for example, you may be protected. You can also tailor your BOP with add-ons including cyber insurance, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.
Business Owners Policychevron_rightArizona Professional Liability insurance
Also known as errors and omissions (E&O) insurance, this Arizona liability policy could protect you from the cost of damages and legal fees if someone claims your professional service caused financial harm to them or their business. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). If you’re an engineer, for instance, and you make an error on a plan you create for a client, they may sue you. This type of commercial insurance in Arizona can protect you. You should consider professional liability insurance if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.
Professional Liabilitychevron_rightArizona Commercial Auto insurance
If your company owns or leases vehicles, this policy protects your business. Commercial auto insurance in Arizona can provide coverage for your vehicle damage plus legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.
Commercial Autochevron_rightArizona Cyber insurance
This type of business insurance in Arizona can be purchased as an add-on to a BOP, general liability, or professional liability policy. It helps cover costs related to system hacks or data security breaches where someone steals sensitive information like credit card data and uses it to commit fraud or is likely to.
Cyber Insurancechevron_rightArizona Umbrella insurance
When buying liability insurance in Arizona, every policy has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection, as it can cover costs that exceed the limit of another biBerk liability policy, up to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend carrying umbrella insurance in Arizona.
Umbrella Insurancechevron_rightWhy is small business insurance important in Arizona?
Protection against unexpected costs
Coverage from a reliable business insurance provider like biBerk can protect your company from the financial fallout of lawsuits, property damage, and other incidents. We hope you never encounter those types of issues, but the reality is they can occur without warning. Not having business insurance (or not having adequate coverage) can leave you with a large expense you have to pay out of your pocket. Let’s say you’re a small business owner. Having the right insurance can enable your business to stay operational even when unexpected incidents—like customer injuries or property damage—occur. Financial protection helps ensure business continuity. Plus, working with a trusted company like biBerk that can help you understand your insurance needs and address them correctly provides peace of mind to you and your employees.
Insurance builds credibility and compliance
The same is true if you’re an independent contractor. Having business insurance also demonstrates your professionalism and builds your credibility, making it easier to secure new business. Then, there’s the compliance aspect. You’ll likely be required by clients or business partners to have sufficient insurance coverage before you ever set foot on a construction site.
Supporting startups and growing businesses
We also provide business insurance to many startups and companies that are in growth mode. These owners understand that their risk profile is evolving, and they look to us for guidance on how our policies can meet their changing needs. They also know that business insurance is not simply an expense; it’s a strategic asset that empowers them to stay focused on their work. Whether they require one type of insurance or several policies to handle different risks, they know they can get the coverage (and the attentive support) they need from biBerk.
We cover all kinds of professionals and businesses in Arizona, including:
- Architectural and engineering firms
- Auditors and accountants
- Auto body repair shops
- Auto service and repair centers
- Building electrician services
- Bus companies
- Cabinet and trim installation services
- Carpentry services
- Carpet, linoleum, and vinyl floor installers
- Concrete construction companies
- Concrete driveway repair/installation companies
- Concrete product manufacturers
- Fast food restaurants
- Full-time housekeepers
- Furniture storage warehouses
- Grocery stores
- Gyms/fitness centers
- Heating and air installation/repair services
- Home health care services
- Household appliance installation companies
- Indoor tile/stone/marble installer
- Insulation services
- Landscaping and gardening services
- Lumberyard operations
- Masonry services
- Metal fence installers
- Nursing homes
- Painters and wallpaper installers
- Restaurants
- Retail stores
- Sales and collections services
- Stables and breeders
- Trucking companies
- Veterinary hospitals
- Wallboard installation companies
- Wood furniture manufacturers
Why biBerk for business insurance in Arizona?
We’re the experts when it comes to small business insurance in Arizona.
Save time.
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.
Save money.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.
Experienced.
We're part of the Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $52.2 billion in paid claims in 2023.
Why biBerk is trusted for Arizona small business insurance
biBerk is a member of the Berkshire Hathaway Insurance Group specializing in direct-to-business commercial insurance solutions. We offer a wide range of coverage options—including workers' compensation, general liability, professional liability (E&O), business owners policies (BOPs), and more—tailored to meet the needs of small and medium-sized businesses across the U.S. By cutting out the middleman, biBerk provides streamlined service, expert support, and savings of up to 20%. With fast online quotes, instant coverage, and easy claims handling, biBerk makes business insurance simple, reliable, and accessible for businesses in Arizona and nationwide.
Get business insurance in Arizona wherever you are!
biBerk is trusted by small businesses across Arizona. Since we’re an online insurance provider, you can connect with us easily, wherever you are, to get:
- Business insurances in Phoenix, AZ
- Business insurance in Tucson, AZ
- Business insurance in Scottsdale, AZ
- Business insurance in Chandler, AZ
- Business insurance in Mesa, AZ
- Business insurance in Flagstaff, AZ
- Or anywhere in Arizona!
What coverage is required for Arizona small businesses?
Workers' Compensation
In Arizona, every business with employees is required to carry workers’ compensation insurance. Even if you only have one employee, you’re still required to carry workers’ comp in Arizona. You can receive substantial fines and criminal penalties if you’re caught doing business with employees in Arizona without a workers’ comp policy.
Other Policy Considerations
General liability insurance in Arizona can be important, as many contracts require it. The same is often true for AZ professional liability insurance. Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk. Having the right business insurance in Arizona is one of the smartest business decisions you can make.
How much does business insurance cost in Arizona?
The cost of business insurance in Arizona depends on multiple factors, including your industry, number of employees, and the amounts of payroll and revenue. Additionally, your claims history will influence your cost for Arizona business insurance. Companies with fewer claims typically pay lower premiums.
Learn what you’ll pay for small business insurance in Arizona by getting instant online business insurance quotes.
Business insurance in Arizona: frequently asked questions
Owners seeking Arizona business insurance can find answers to frequently asked questions below:
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What types of Arizona small business insurance do I need?
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When it comes to business insurance in Arizona, your needs are based on several factors, including the type of work you do, the assets your business owns, and others. Our licensed insurance experts can help you determine which coverages are right for your business.
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What types of business insurance does biBerk offer in Arizona?
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If you’re looking for business insurance in Arizona, we offer comprehensive coverage options that address the risks most businesses are likely to face—from lawsuits to property damage and more.
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Does Arizona law require workers’ compensation insurance?
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Yes, companies with one or more employees must have workers’ compensation coverage. That’s true throughout the state. So, a worker’s compensation policy should be part of your business insurance portfolio in Tucson, Phoenix, Flagstaff, or wherever you’re located.
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How much does business insurance cost in Arizona?
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What you’ll pay for business insurance in Arizona depends on the type of policy and factors like the size of your business, your claims history, and others. However, you’ll find that we provide full transparency in coverage and pricing information. You can get instant online quotes whenever it’s convenient for you. For example, if you need to know what you’ll pay for general liability insurance in Arizona, you can get that information quickly and budget for carrying that crucial coverage.
Small Business Insurance in Arizona in Three Simple Steps
Get a quote.
Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.
Buy a policy.
Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.
Get a certificate.
Download an instant Certificate of Liability Insurance immediately after purchasing a policy.
Get a quote today.
Need business insurance in AZ? Trust biBerk for small business insurance in Arizona and save up to 20%.