General Liability Insurance Arizona

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General Liability insurance costs in Arizona

Monthly prices of ERGO NEXT customers in Arizona paid for General Liability coverage, by profession.

General Liability insurance prices by profession in Arizona
Profession	Starting Price	Median Price	Average Price
Accountant	$25 per month	$29 per month	$33 per month
Acting Lessons	$19 per month	$20 per month	$21 per month
Actors	$16 per month	$16 per month	$68 per month
Actuarial Service	$91 per month	$91 per month	Not available
Administrative Services Managers	$115 per month	$115 per month	Not available
Administrative Support	$28 per month	$32 per month	$57 per month
Adult Education	$19 per month	$24 per month	$34 per month
Advertising And Promotions Managers	$23 per month	$23 per month	$28 per month
Aerobics Instructor	$20 per month	$20 per month	$20 per month
Agents And Business Managers Of Artists Performers And Athletes	$148 per month	$148 per month	$148 per month
Alternative Healing	$15 per month	$19 per month	$24 per month
Anesthesiologists	$21 per month	$21 per month	Not available
Appliance Installation Service And Repair	$23 per month	$113 per month	$151 per month
Architect	$26 per month	$26 per month	$33 per month
Art Classes	$16 per month	$20 per month	$20 per month
Art Consultants	$83 per month	$83 per month	Not available
Art Space Rentals	$30 per month	$30 per month	$61 per month
Arts Crafts Store	$25 per month	$30 per month	$37 per month
Athletic Trainer	$288 per month	$288 per month	$288 per month
Audio And Video Equipment Technicians	$27 per month	$32 per month	$46 per month
Audio Services	$244 per month	$244 per month	$244 per month
Auto Body Shop	$31 per month	$111 per month	$183 per month
Auto Parts Store	$28 per month	$30 per month	$29 per month
Auto Repair Shop	$28 per month	$102 per month	$123 per month
Av Equipment Rental For Events	$22 per month	$32 per month	$59 per month
Bakery	$24 per month	$30 per month	$35 per month
Balloon Decorations	$31 per month	$31 per month	$31 per month
Barber	$18 per month	$22 per month	$24 per month
Beach Equipment Rentals	$65 per month	$65 per month	$65 per month
Beautician	$18 per month	$24 per month	$30 per month
Beauty Salon	$187 per month	$187 per month	$187 per month
Bike Rentals	$237 per month	$237 per month	$237 per month
Bike Shop	$27 per month	$27 per month	$44 per month
Biological Technicians	$21 per month	$21 per month	Not available
Biomedical Engineers	$21 per month	$21 per month	$21 per month
Blow Dry Out Services	$21 per month	$21 per month	$21 per month
Bookstore	$25 per month	$25 per month	$28 per month
Bowling	$25 per month	$25 per month	$25 per month
Bridal Stylist	$17 per month	$17 per month	Not available
Broadcast Technicians	$57 per month	$57 per month	$72 per month
Building Inspector	$26 per month	$26 per month	$26 per month
Building Sign Installation	$53 per month	$57 per month	$81 per month
Business Consulting	$16 per month	$27 per month	$32 per month
Business Consulting Services	$22 per month	$26 per month	$35 per month
Business Financing	$26 per month	$26 per month	$26 per month
Call Center Service	$69 per month	$69 per month	$155 per month
Candle Store	$25 per month	$30 per month	$35 per month
Candy Stores	$28 per month	$28 per month	$29 per month
Car Wash	$43 per month	$104 per month	$154 per month
Cardiologists	$37 per month	$37 per month	$37 per month
Cardiovascular Technologists And Technicians	$21 per month	$21 per month	Not available
Career Technical Education Teachers	$21 per month	$23 per month	$23 per month
Carpentry	$28 per month	$103 per month	$223 per month
Carpet Cleaning	$35 per month	$50 per month	$67 per month
Caterer	$18 per month	$31 per month	$38 per month
Check Cashing Pay Day Loans	$30 per month	$33 per month	$32 per month
Claims Adjuster	$25 per month	$29 per month	$32 per month
Clothing Store	$26 per month	$36 per month	$46 per month
Coffee Shop	$24 per month	$29 per month	$40 per month
Community Gardens	$29 per month	$29 per month	$30 per month
Community Health Workers	$21 per month	$21 per month	Not available
Computer And Information Systems Managers	$106 per month	$106 per month	$106 per month
Computer Lessons	$21 per month	$21 per month	Not available
Computer Network Architects	$98 per month	$98 per month	Not available
Computer Programmers	$87 per month	$87 per month	Not available
Computer Repair	$21 per month	$27 per month	$27 per month
Concierges	$22 per month	$22 per month	$22 per month
Concrete Construction	$52 per month	$138 per month	$197 per month
Convenience Stores	$29 per month	$32 per month	$45 per month
Cosmetologist	$45 per month	$50 per month	$69 per month
Cosmetology Schools	$32 per month	$32 per month	$39 per month
Costume Attendants	$17 per month	$17 per month	$17 per month
Costumed Character Entertainment	$16 per month	$25 per month	$32 per month
Cpr And First Aid Training	$16 per month	$17 per month	$20 per month
Craft Artists	$26 per month	$29 per month	$34 per month
Credit Authorizers Checkers And Clerks	$65 per month	$65 per month	Not available
Crossfit Instructor	$13 per month	$13 per month	Not available
Cryotherapy	$29 per month	$29 per month	$29 per month
Dance Instructor	$12 per month	$16 per month	$28 per month
Day Spas	$58 per month	$88 per month	$173 per month
Daycare	$25 per month	$131 per month	$139 per month
Debris Removal	$40 per month	$61 per month	$94 per month
Debt Relief Services	$26 per month	$26 per month	$26 per month
Demonstrators And Product Promoters	$28 per month	$28 per month	$33 per month
Dental Assistants	$75 per month	$75 per month	Not available
Dental Laboratory Technicians	$21 per month	$51 per month	Not available
Dentists	$86 per month	$86 per month	$86 per month
Diagnostic Imaging	$41 per month	$41 per month	$41 per month
Diagnostic Medical Sonographers	$47 per month	$47 per month	$47 per month
Diagnostic Services	$23 per month	$23 per month	$23 per month
Dietitians And Nutritionists	$27 per month	$27 per month	$27 per month
Discount Store	$31 per month	$91 per month	$96 per month
Distributor	$6 per month	$11 per month	$13 per month
Dj	$16 per month	$19 per month	$24 per month
Doctors	$17 per month	$20 per month	$30 per month
Dog Walker	$8 per month	$15 per month	$20 per month
Door Window Installation	$53 per month	$124 per month	$196 per month
Doulas	$24 per month	$24 per month	$24 per month
Drywall And Wall Boarding Work	$43 per month	$62 per month	$122 per month
Dumpster Rental	$27 per month	$32 per month	$44 per month
E Commerce	$14 per month	$36 per month	$62 per month
Editorial Services	$25 per month	$96 per month	$84 per month
Education Consulting	$75 per month	$75 per month	$75 per month
Educational Guidance School And Vocational Counselors	$19 per month	$23 per month	$49 per month
Electrical Work	$62 per month	$88 per month	$119 per month
Electronics Store	$32 per month	$32 per month	$38 per month
Employment Agencies	$29 per month	$60 per month	$85 per month
Engineer	$14 per month	$29 per month	$33 per month
Engineering And Technical Design	$29 per month	$29 per month	$29 per month
Environmental Science And Protection Technicians Including Health	$48 per month	$48 per month	$48 per month
Estate Liquidation	$23 per month	$27 per month	$28 per month
Esthetician Services	$17 per month	$21 per month	$27 per month
Etchers And Engravers	$23 per month	$23 per month	$24 per month
Event Help And Wait Staff	$16 per month	$17 per month	$17 per month
Event Planner	$23 per month	$46 per month	$52 per month
Excavation And Grading	$18 per month	$134 per month	$197 per month
Fabric Store	$25 per month	$25 per month	Not available
Family And General Practitioners	$19 per month	$19 per month	Not available
Farmers Market	$22 per month	$29 per month	$44 per month
Fence Gate Installation	$29 per month	$87 per month	$111 per month
Financial Adviser	$17 per month	$25 per month	$25 per month
Fine Artists Including Painters Sculptors And Illustrators	$19 per month	$29 per month	$48 per month
Fitness Instructor	$11 per month	$15 per month	$23 per month
Fitness Studio	$14 per month	$42 per month	$142 per month
Flea Markets	$22 per month	$33 per month	$56 per month
Floor Waxing	$160 per month	$160 per month	$160 per month
Florist	$25 per month	$31 per month	$31 per month
Food Banks	$36 per month	$36 per month	$47 per month
Food Delivery	$60 per month	$60 per month	$62 per month
Food Safety Training	$141 per month	$141 per month	$141 per month
Food Truck	$13 per month	$34 per month	$49 per month
Foreign Language And Literature Teachers	$78 per month	$78 per month	Not available
Fundraisers	$23 per month	$28 per month	$45 per month
Furniture Rental	$26 per month	$26 per month	$26 per month
Furniture Store	$33 per month	$43 per month	$48 per month
Garbage Collection	$31 per month	$49 per month	$64 per month
General Contractor	$22 per month	$150 per month	$231 per month
Glass Blowing	$31 per month	$31 per month	$31 per month
Glass Dealers Glaziers	$53 per month	$63 per month	$82 per month
Golf Instructor	$12 per month	$13 per month	$14 per month
Graphic Designers	$19 per month	$27 per month	$92 per month
Grocery Store	$29 per month	$36 per month	$74 per month
Habilitative Services	$31 per month	$31 per month	$32 per month
Hair Stylist	$17 per month	$21 per month	$29 per month
Handyperson	$14 per month	$58 per month	$77 per month
Hardware Store	$45 per month	$45 per month	$45 per month
Health And Wellness Coaching	$17 per month	$21 per month	$32 per month
Health Educators	$19 per month	$21 per month	$22 per month
Health Retreats	$67 per month	$67 per month	$67 per month
Hearing Aid Providers	$51 per month	$51 per month	Not available
Historians	$25 per month	$25 per month	Not available
Hobby Shop	$25 per month	$25 per month	$27 per month
Home Energy Auditors	$29 per month	$29 per month	$29 per month
Home Garden Retailer	$35 per month	$35 per month	$49 per month
Home Health Aides	$17 per month	$62 per month	$78 per month
Home Health Care	$7 per month	$34 per month	$78 per month
Home Inspectors	$19 per month	$29 per month	$31 per month
Home Window Tinting	$49 per month	$60 per month	$78 per month
Horse Equipment Shop	$27 per month	$27 per month	$27 per month
House Cleaning And Maid Service	$30 per month	$47 per month	$57 per month
Human Resources Specialists	$26 per month	$26 per month	Not available
Hvac Work	$66 per month	$112 per month	$167 per month
Ice Cream And Frozen Yogurt	$78 per month	$78 per month	$78 per month
In Person Auctioneer	$26 per month	$26 per month	Not available
Indoor Cycling Instructor	$13 per month	$13 per month	Not available
Insulation Work	$31 per month	$39 per month	$171 per month
Insurance Agent	$25 per month	$32 per month	$41 per month
Insurance Appraisers	$26 per month	$30 per month	$127 per month
Insurance Inspector	$26 per month	$31 per month	$32 per month
Interior Designer	$27 per month	$30 per month	$38 per month
Investing	$78 per month	$78 per month	$78 per month
It Consulting Or Programming	$25 per month	$25 per month	$78 per month
Janitorial Services	$14 per month	$49 per month	$68 per month
Jewelry Store	$26 per month	$31 per month	$31 per month
Knife Sharpening	$26 per month	$26 per month	$26 per month
Laboratory Testing	$25 per month	$25 per month	$25 per month
Land Surveyor	$22 per month	$25 per month	$24 per month
Landscaping And Lawn Care	$14 per month	$61 per month	$94 per month
Landscaping Grounds Maintenance Snow Removal	$52 per month	$85 per month	$92 per month
Laundromat	$62 per month	$62 per month	$92 per month
Laundry Services	$25 per month	$28 per month	$35 per month
Legal Service	$24 per month	$26 per month	$38 per month
Lessors Of Commercial Buildings	$33 per month	$33 per month	$33 per month
Licensed Practical And Licensed Vocational Nurses	$35 per month	$35 per month	$35 per month
Light Truck Or Delivery Services Drivers	$61 per month	$61 per month	$61 per month
Lighting Store	$30 per month	$30 per month	$30 per month
Loan Officers	$27 per month	$27 per month	$27 per month
Locksmith	$18 per month	$30 per month	$33 per month
Logisticians	$112 per month	$112 per month	$112 per month
Makeup Artists	$20 per month	$20 per month	$20 per month
Marketing	$24 per month	$31 per month	$86 per month
Marriage And Family Therapists	$27 per month	$28 per month	$28 per month
Martial Arts Instructor	$17 per month	$81 per month	$88 per month
Masonry Work	$39 per month	$122 per month	$166 per month
Mass Media	$32 per month	$32 per month	$32 per month
Massage Therapist	$19 per month	$28 per month	$45 per month
Medical And Clinical Laboratory Technicians	$16 per month	$54 per month	$51 per month
Medical And Health Services Managers	$19 per month	$105 per month	$103 per month
Medical Appliance Technicians	$16 per month	$16 per month	$18 per month
Medical Assistants	$16 per month	$16 per month	$21 per month
Medical Office Or Clinic	$54 per month	$54 per month	$54 per month
Medical Records And Health Information Technicians	$21 per month	$21 per month	Not available
Medical Scientists Except Epidemiologists	$16 per month	$16 per month	$16 per month
Medical Supplies Store	$48 per month	$48 per month	$70 per month
Meditation Instruction	$28 per month	$28 per month	$28 per month
Mental Health Counselors	$23 per month	$29 per month	$32 per month
Mortgage Broker	$24 per month	$25 per month	$29 per month
Mortuary Services	$128 per month	$128 per month	$128 per month
Motivational Speaking	$16 per month	$16 per month	$16 per month
Music Entertainment	$16 per month	$18 per month	$21 per month
Music Production Services	$14 per month	$27 per month	$27 per month
Musical Instrument Services	$17 per month	$17 per month	$22 per month
Musical Instruments And Teachers	$19 per month	$22 per month	$22 per month
Musicians And Singers	$45 per month	$45 per month	$45 per month
Nail Technician	$47 per month	$64 per month	$74 per month
Notary	$26 per month	$30 per month	$32 per month
Nurse Anesthetists	$17 per month	$17 per month	$57 per month
Nurse Midwives	$90 per month	$90 per month	$90 per month
Nurse Practitioners	$18 per month	$18 per month	$18 per month
Nurseries Gardening Shop	$26 per month	$27 per month	$27 per month
Nursing Assistants	$13 per month	$13 per month	$13 per month
Occupational Health And Safety Specialists	$28 per month	$28 per month	$45 per month
Occupational Therapists	$25 per month	$25 per month	$25 per month
Oil Change Station	$115 per month	$170 per month	$196 per month
Optometrists	$23 per month	$23 per month	Not available
Orderlies	$160 per month	$160 per month	Not available
Orthopedists	$37 per month	$37 per month	$37 per month
Osteopathic Physicians	$19 per month	$19 per month	Not available
Other Consulting	$26 per month	$30 per month	$39 per month
Packing Supplies Store	$29 per month	$31 per month	$31 per month
Painting	$32 per month	$97 per month	$134 per month
Paperhangers	$53 per month	$55 per month	$55 per month
Party Equipment Rentals	$20 per month	$30 per month	$38 per month
Paving Asphalt	$54 per month	$64 per month	$85 per month
Performing Arts	$24 per month	$29 per month	$32 per month
Personal Assistant	$24 per month	$30 per month	$37 per month
Personal Care Aides	$18 per month	$18 per month	$27 per month
Personal Care Services	$21 per month	$21 per month	$21 per month
Personal Trainer	$12 per month	$15 per month	$19 per month
Pet Boarding	$25 per month	$30 per month	$49 per month
Pet Groomers	$25 per month	$45 per month	$50 per month
Pet Sitting	$31 per month	$31 per month	$31 per month
Pet Stores	$23 per month	$43 per month	$123 per month
Pet Training	$25 per month	$39 per month	$38 per month
Phone Or Tablet Repair	$29 per month	$40 per month	$42 per month
Photo Editing Scanning And Restoration	$25 per month	$25 per month	Not available
Photographer	$16 per month	$19 per month	$23 per month
Physician Assistants	$21 per month	$21 per month	Not available
Pilates Instructor	$11 per month	$14 per month	$16 per month
Plaster Stucco Work	$128 per month	$143 per month	$371 per month
Plumbing	$29 per month	$210 per month	$258 per month
Podiatrists	$29 per month	$29 per month	$29 per month
Pressure Washing	$58 per month	$232 per month	$237 per month
Preventive Medicine	$17 per month	$17 per month	Not available
Printing Services	$25 per month	$26 per month	$30 per month
Product Designer	$24 per month	$24 per month	$24 per month
Professional Services	$200 per month	$200 per month	$200 per month
Project Management	$120 per month	$120 per month	$120 per month
Property Manager	$23 per month	$41 per month	$86 per month
Psychiatrists	$25 per month	$25 per month	$25 per month
Psychologists	$31 per month	$31 per month	$31 per month
Public Relations Specialists	$25 per month	$25 per month	$25 per month
Radio And Television Announcers	$26 per month	$26 per month	Not available
Real Estate Agent	$22 per month	$27 per month	$42 per month
Real Estate Appraisal	$54 per month	$54 per month	$54 per month
Real Estate Brokers	$32 per month	$58 per month	$65 per month
Real Estate Investor	$44 per month	$44 per month	$110 per month
Recording And Rehearsal Studios	$30 per month	$30 per month	$31 per month
Recycling Center	$24 per month	$69 per month	$80 per month
Registered Nurses	$9 per month	$11 per month	$25 per month
Reiki	$25 per month	$25 per month	$25 per month
Reporters And Correspondents	$183 per month	$183 per month	$183 per month
Reproductive Health Services	$16 per month	$16 per month	$16 per month
Research Development And Testing Laboratory	$127 per month	$127 per month	$127 per month
Restaurant	$19 per month	$116 per month	$175 per month
Retail Stores	$18 per month	$32 per month	$57 per month
Roofing	$195 per month	$417 per month	$540 per month
Safety Consultant	$22 per month	$22 per month	$22 per month
Salesperson	$25 per month	$31 per month	$121 per month
Screen Printing T Shirt Printing	$20 per month	$35 per month	$42 per month
Securities Commodities And Financial Services Sales Agents	$26 per month	$26 per month	$26 per month
Security Services	$57 per month	$57 per month	$57 per month
Septic Tank Cleaning	$113 per month	$113 per month	$113 per month
Septic Tank Installation Service Repair	$48 per month	$50 per month	$113 per month
Set And Exhibit Designers	$26 per month	$26 per month	$26 per month
Shoe Repair	$23 per month	$24 per month	$25 per month
Siding	$495 per month	$495 per month	$889 per month
Signmaking	$26 per month	$56 per month	$54 per month
Skilled Nursing	$26 per month	$26 per month	$26 per month
Sleep Specialists	$13 per month	$13 per month	$15 per month
Snow And Ice Removal	$190 per month	$190 per month	Not available
Social Services	$26 per month	$36 per month	$59 per month
Solar Contracting	$45 per month	$66 per month	$99 per month
Specialty Food	$23 per month	$28 per month	$62 per month
Speech Language Pathologists	$25 per month	$25 per month	$25 per month
Sporting Goods Retailer	$68 per month	$68 per month	$117 per month
Sports Coach	$20 per month	$33 per month	$37 per month
Sports Psychologists	$22 per month	$22 per month	$22 per month
Substance Abuse Counselor	$32 per month	$32 per month	$32 per month
Tailors Dressmakers And Custom Sewers	$24 per month	$24 per month	$27 per month
Tarot And Psychic Reader Entertainment	$15 per month	$16 per month	$19 per month
Technology Services	$22 per month	$30 per month	$35 per month
Teeth Whitening	$19 per month	$19 per month	$22 per month
Telemarketing And Telesales Services	$31 per month	$31 per month	$31 per month
Three D Modeling	$28 per month	$28 per month	Not available
Tile Stone And Flooring	$26 per month	$95 per month	$123 per month
Tire Shop	$32 per month	$118 per month	$114 per month
Title Loans	$84 per month	$84 per month	$84 per month
Training And Development Specialists	$20 per month	$20 per month	$177 per month
Translator	$27 per month	$29 per month	$29 per month
Travel Agency	$24 per month	$27 per month	$28 per month
Travel Guides	$26 per month	$30 per month	$33 per month
Tutor	$17 per month	$24 per month	$61 per month
Ultrasound Imaging Centers	$23 per month	$23 per month	$23 per month
Umpires Referees And Other Sports Officials	$28 per month	$28 per month	Not available
Urban And Regional Planners	$30 per month	$30 per month	$30 per month
Vending Machine Operator	$26 per month	$31 per month	$37 per month
Veterinarians	$21 per month	$21 per month	$21 per month
Video Film Production	$18 per month	$31 per month	$36 per month
Videographers	$25 per month	$29 per month	$32 per month
Vitamins Supplements Store	$24 per month	$26 per month	$45 per month
Vocal Coach	$20 per month	$20 per month	$20 per month
Walk In Clinics	$86 per month	$86 per month	Not available
Wedding And Event Invitations	$25 per month	$25 per month	$25 per month
Wedding And Event Venue Rental	$199 per month	$199 per month	$199 per month
Wedding Officiant	$23 per month	$23 per month	$26 per month
Weight Loss Centers	$30 per month	$30 per month	Not available
Welding Cutting And Metal Frame Erection	$65 per month	$65 per month	$65 per month
Wholesalers	$26 per month	$62 per month	$95 per month
Window Cleaning	$32 per month	$47 per month	$59 per month
Wood Furniture And Cabinet Manufacturing	$47 per month	$257 per month	$202 per month
Writer	$25 per month	$86 per month	$90 per month
Yoga Instructor	$12 per month	$15 per month	$23 per month
Zumba Instructor	$12 per month	$14 per month	$28 per month

Pricing estimates are based on ERGO NEXT Insurance historical policy data for paid policies. For each profession, state, and line of business, we review paid policies with a recorded premium during the most recent 12 full months of available data. Pricing estimates are generally refreshed monthly using the most recent available paid-policy data. The current estimates reflect the latest completed monthly refresh. “Starting cost” reflects the lowest recorded premium in that group. “Median cost” reflects the approximate midpoint premium in that group, meaning about half of the recorded premiums were lower and about half were higher. “Average cost” reflects the arithmetic average of recorded premiums in that group. These figures are historical estimates only and are not a quote, offer, or guarantee of coverage or price. Actual premiums may vary based on a business’s operations, location, coverage selections, limits, deductibles, prior claims, underwriting review, and other rating factors. Eligibility and final pricing are determined through the quote and application process.

What can be covered by General Liability insurance in Arizona?

Property damage

You accidentally damage a client’s property.

Non-employee injuries

Someone trips at your business and breaks their leg.

Advertising harm

You’re sued for an improper image in your advertising.

Legal defense costs

You need an attorney for a lawsuit.

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Table of Contents

What is General Liability insurance coverage?
Does Arizona require General Liability insurance?
What small business might need General Liability insurance in Arizona?
How much does a General Liability insurance policy cost in Arizona?
How NEXT helps Arizona small business owners

What is General Liability insurance coverage?

Whether you own a construction company in Yuma, a family restaurant in Chandler or run a retail shop in Flagstaff, you’ll want the financial safety net that general liability insurance can help provide.

General liability coverage is often the first business insurance purchased by Arizona’s 641,000 small businesses who employ more than 1.1 million employees.¹ It provides broad protection for common accidents that can affect any business.

A commercial general liability policy in Arizona can help provide a financial safety net after unforeseen events. It can help cover expenses for:

Legal defense costs if your business is sued.
If someone (other than an employee) says your business caused bodily injury.
Property damage caused on the job.
Some cases of advertising injury or reputational harm.

Does Arizona require General Liability insurance?

It’s a good idea to have general liability coverage, even though Arizona does not require you to purchase small business insurance. General liability can help protect you from out-of-pocket costs.

Here are some of the reasons general liability is recommended:

Financial safety

If you’re accused of causing personal injury, damaging someone’s property or have to defend your business after a lawsuit, general liability coverage can help cover costs and keep your business running.

Business development

Some clients may require proof of insurance before they’ll let you bid on their project or hire you for a job. Arizona general liability coverage helps demonstrate your professionalism.

Leasing property

A general liability policy is often necessary in Arizona to rent an office or commercial space. Many landlords will require a certificate of insurance and a minimum level of coverage before they’ll offer you a lease.

What small business might need General Liability insurance in Arizona?

The broad protection of Arizona general liability insurance can help cover costs after accidents and lawsuits around personal injury and property damage.

Slip-and-fall injuries and property damage are common. That means most businesses, from janitors in Chandler to retail stores in Goodyear, could benefit from general liability coverage.

How much does a General Liability insurance policy cost in Arizona?

General liability policies are affordable for small businesses and self-employed workers. The majority of NEXT customers pay $45 or less a month for their commercial liability insurance.**

Insurance companies price coverage based on your company’s business operations and industry. The cost of your general liability policy will vary depending on factors like your:

Geographic location
Profession
Employee headcount
Insurance claims history

The easiest way to know how much you’ll pay is a free instant quote from NEXT.

You can also use our liability insurance calculator for a general estimate of insurance costs in Arizona.

How NEXT helps Arizona small business owners

We offer a fast and easy general liability insurance quote online, and you can purchase coverage and instantly share a certificate of insurance. It usually takes less than 10 minutes.

You can also chat with our Arizona–based NEXT licensed agents if you need help or have questions.

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Other insurance important for Arizona small business owners

Most businesses need more than one kind of insurance to help protect their business. Also consider:

Workers’ Compensation insurance

Almost all companies with one or more employees are required by Arizona law to carry workers’ comp insurance.² This type of coverage can help pay medical expenses, rehabilitation costs and lost wages if employees are hurt on the job.

Commercial Auto insurance

Arizona law requires every motor vehicle in that state to be insured, so if your company owns autos or drives for business you’ll need commercial auto insurance.³ Keep in mind that personal auto policies won’t cover auto accidents when you’re driving for business.

Commercial Property insurance

Commercial property insurance can help protect your physical assets including inventory, equipment and buildings. It can help pay for business property that’s damaged or destroyed after a covered event, such as water, fire or wind incidents.

Professional Liability (E&O) insurance

Professional liability insurance in Arizona, also called errors and omissions insurance, can help provide financial protection if someone claims that you made a professional mistake that caused them financial loss. It can also cover damages and legal fees if you’re sued.

Sources

¹ U.S. SBA 2022 Small Business Profile Arizona

² Industrial Commission of Arizona Workers’ Comp Info

³ ADOT Motor Vehicle Division Vehicle Insurance Information

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ERGO NEXT Insurance reviews

Satisfied Customer

Best business insurance with the easiest process!

Stephen H.

Small business insurance

I thought ERGO NEXT was easy to use, great rates and outstanding follow-up.

Taylor M.

Small start up

Thanks for helping a small startup. Was able to get the insurance I need for a cost I could afford.

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Easy to use

Great! Set everything up and got the insurance needed for my business without hassle and it was very easy and quick to navigate.

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Great!

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Peace of mind

easy to apply and and customer service is very responsive

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Easy & affordable

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Ronald M.

Easy to sign up and has what I need.

Only took about 10 minutes to have all my questions answered and get the plan I need for my business. Great price and easy to understand plan.

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Blown away

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Let’s find the coverage you need for your business

Business insurance is divided into different policies. We offer seven types so it's easy to design the coverage that fits your business.

General Liability

Protect yourself from accidents that cause physical injury or damaged property.

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Professional Liability/E&O

Shield yourself from lawsuits that claim your work errors caused financial losses.

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Workers’ Compensation

Cover medical bills and lost wages if your employees have an accident at work.

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Commercial Auto

Stay on the road with coverage for dents, tows and damage to someone else’s vehicle.

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Tools & Equipment

Upgrade your general liability coverage to protect any gear that’s stolen, damaged or lost.

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Commercial Property

Keep your building, inventory and equipment protected from fire or water damage.

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Business Owner’s Policy

Combine general liability and commercial property into one policy to protect your business.

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*To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.

**The cost data presented here are based on NEXT active customers in the U.S. who purchased general liability insurance over the previous 12 months. These data should not be considered a substitute for obtaining a quote specific to your business. These data were updated in July 2022.