General Liability Insurance Arizona

Save with discounts of up to 25%.*

What can be covered by General Liability insurance in Arizona?

Property damage

Property damage

You accidentally damage a client’s property.
Non-employee injuries

Non-employee injuries

Someone trips at your business and breaks their leg.
Advertising harm

Advertising harm

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

Legal defense costs

You need an attorney for a lawsuit.

Table of Contents

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.

Get Instant Quote

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
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
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
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.

Errors & Omissions
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.


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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 insurance
General Liability
Protect yourself from accidents that cause physical injury or damaged property.
Professional Liability or Error and Omissions Insurance
Professional Liability/E&O
Shield yourself from lawsuits that claim your work errors caused financial losses.
Workers' Compensation Insurance
Workers’ Compensation
Cover medical bills and lost wages if your employees have an accident at work.
Commercial Auto Insurance
Commercial Auto
Stay on the road with coverage for dents, tows and damage to someone else’s vehicle.
Tools & Equipment Insurance
Tools & Equipment
Upgrade your general liability coverage to protect any gear that’s stolen, damaged or lost.
Commercial Property Insurance
Commercial Property
Keep your building, inventory and equipment protected from fire or water damage.
Business Owner’s Policy Insurance
Business Owner’s Policy
Combine general liability and commercial property into one policy to protect your business.
*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.
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. 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.