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The Insurance Team

22246 S Ellsworth Rd
Queen Creek, AZ 85142

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Arizona Commercial Insurance Coverage

Commercial Insurance in Arizona

Owning a business in Arizona is a dream come true for many residents. However, operating a business comes with multiple risks, ranging from fire, theft, employee injuries to liability claims. And since you can't prevent business risks 100%, you need commercial insurance from The Insurance Team to protect your business.

Is commercial insurance mandatory in Arizona?

Certain aspects of commercial insurance are mandatory in Arizona. If you have employees, you must invest in worker's comp insurance. This insurance policy pays for the employees' medical costs when ill or suffering work-related injuries. Besides, this coverage can pay partial loss of wages for employees who can't resume work due to their illness or injuries.

Also, whether you have one vehicle or a fleet of commercial vehicles, you need commercial auto insurance to protect your vehicles and the drivers.

Optional commercial insurance options

You need to look beyond the state-required coverages if you want optimal commercial insurance coverage. Here are additional commercial insurance coverages to consider:

  • Liability coverage: This insurance policy is not compulsory, but every business owner should invest in it. Liability coverage protects your business when accused of bodily injury, property damage, and adverting injury by others. It also covers your business when sued.
  • Property coverage: It covers your business assets from perils like fire, theft, vandalism, and certain natural disasters.
  • Cyber liability insurance: It covers your business against online malicious attacks. The coverage pays for legal fees, notification costs, public relations expenses, and other costs when faced with a cyber-attack.
  • Professional liability insurance: If you offer professional advice, this coverage protects your business when accused of negligence and missed deadlines that result in financial losses for the stakeholders who rely on your advice.
  • Umbrella insurance: It provides extra liability coverage when faced with significant liability claims.
  • Flood insurance: Since flood damage isn't covered by typical commercial insurance, you need stand-alone flood insurance to protect your business against floods.

Need to invest in commercial insurance? If yes, please get in touch with The Insurance Team for a quote.

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