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Business Insurance Checklist for Arizona Small Businesses
Beyond workers comp — the coverages every Arizona small business owner should have on the radar, and which ones are optional.
Required or effectively required
Workers compensation (Arizona law), commercial auto if the business owns vehicles, and general liability if you have contracts, a lease, or clients that require a certificate of insurance.
Strongly recommended
A Business Owner Policy (BOP) bundling property and general liability, cyber liability if you store customer data, and umbrella coverage if the business has meaningful assets.
Situational
Professional liability (E&O), employment practices liability, and inland marine for expensive tools and equipment. A Agent walks you through which of these actually apply to your operation.
