Commercial Insurance
Built to protect what you’ve built
From sole proprietors to 100-employee operations, we help Arizona businesses find commercial insurance that actually fits – not a generic package designed for someone else.
Industries We Serve
Coverage tailored to your trade
Contractors
GL, commercial auto, tools & equipment, workers comp
Restaurants
BOP, liquor liability, spoilage, workers comp
Retail & Office
BOP, cyber, property, business interruption
Fleet & Delivery
Commercial auto, cargo, hired & non-owned
Professional Services
E&O, cyber, employment practices
Real Estate
E&O, landlord, commercial property, D&O
Healthcare & Wellness
Malpractice, BOP, cyber, employment
Manufacturing
Product liability, property, inland marine
Core Commercial Coverages
Every line your business needs
Core Protection
Business Owners Policy (BOP)
A BOP bundles your most critical coverages – commercial property + general liability + business income – into one policy with discount pricing. It’s the go-to starting point for most small and mid-sized businesses.
Third-Party Claims
General Liability
General liability is the foundation of commercial insurance. It pays for bodily injury, property damage, and personal injury claims made against your business – along with the legal costs to defend you.
For Your Team
Workers Compensation
Arizona requires workers comp for most employers. It covers medical bills and lost wages for work-related injuries – and shields your business from employee injury lawsuits. We help you get competitive rates and handle audits.
Vehicles & Fleets
Commercial Auto
If your business owns, leases, or uses vehicles – even occasionally – you need commercial auto. Personal auto policies exclude business use, and one at-fault accident can expose your business to devastating liability.
Your Physical Assets
Commercial Property
Protect your building, inventory, equipment, and improvements from fire, theft, storms, vandalism, and more. We help you insure at full replacement cost so you’re not underwater after a major loss.
For Your Expertise
Professional Liability (E&O)
If your business provides advice, designs, services, or expertise for money – you need professional liability (also called errors & omissions). It covers claims of negligence, mistakes, missed deadlines, or failure to deliver – even if you didn’t actually do anything wrong.
In a Digital World
Cyber Liability
Small businesses are the #1 target for cyberattacks. One ransomware hit or data breach can cost $50K-$500K between forensics, notification, and downtime. Cyber policies cover both first-party losses (your costs) and third-party liability (customer lawsuits).
Let’s Protect Your Business
Insurance that works as hard as you do.
Free review of your current policies. If we can’t save you money or improve your coverage, we’ll tell you straight up.