General Liability Insurance Arizona

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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.

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.

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 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

Get customized insurance in Arizona

See what our customers have to say about NEXT

Satisfied Customer

Best business insurance with the easiest process!

Stephen H.

2/14/2023

Small business insurance

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

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2/13/2023

Small start up

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

Deborah H.

2/12/2023

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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2/18/2023

Great!

Hassle free and great to work with. Affordable.

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2/17/2023

Peace of mind

easy to apply and and customer service is very responsive

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2/19/2023

Easy & affordable

This company makes the process very easy & affordable. Thank you for this service!!

Ronald M.

2/21/2023

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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2/21/2023

The best service.

Thanks for your help with my needs, I'm very grateful for your assistance and help. I will recommend your company to others

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2/9/2023

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2/6/2023

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.

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

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

Commercial Auto

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

Tools & Equipment

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

Commercial Property

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

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.