Hear from Our Customers
You’re not looking for the cheapest policy. You’re looking for the one that won’t leave you scrambling when something goes wrong.
That means business liability insurance that covers you when a client sues. Workers compensation insurance that keeps you compliant with Arizona law the moment you hire your first employee. Commercial auto insurance that protects your trucks and equipment without the runaround.
It also means having someone you can call when your business changes—when you add a vehicle, hire more people, or expand into a new service. Most agencies disappear after the sale. You need one that sticks around, compares your options across 100+ carriers, and helps you adjust coverage as your needs shift. That’s what actually protects your business.
We’re a family-owned independent agency based in Mesa and Peoria, serving businesses across Arizona—including Theba and the surrounding areas. We’ve built our reputation on being available when you need us, not just when it’s convenient.
We represent over 100 insurance carriers, which means we’re not locked into one company’s rates or rules. When your premiums jump or your current carrier won’t renew, we can shop your coverage across dozens of options and find something that actually fits.
We’ve earned over 930 five-star reviews because we answer the phone, explain your options clearly, and handle the details—including canceling your old policy if you switch. You’re not working with a faceless company. You’re working with people who live and work in Arizona, understand the risks here, and show up when it counts.
Start with a conversation. We’ll ask about your business—what you do, how many people you employ, what vehicles or equipment you use, and what your current coverage looks like. This isn’t a sales pitch. It’s a real discussion about what you actually need.
From there, we compare your options. Because we work with over 100 carriers, we can pull quotes from multiple companies and show you the differences in coverage, price, and terms. You’ll see what general liability covers, why professional liability matters if you provide services or advice, and whether you need commercial property insurance for your building or equipment.
Once you choose a policy, we handle the paperwork and coordinate with your old carrier if you’re switching. If your needs change down the road—you hire more employees, buy another vehicle, or add a new service—you call us. We adjust your coverage and make sure you’re not paying for things you don’t need or missing protection you do.
Ready to get started?
Commercial insurance isn’t one policy. It’s a combination of coverages that protect different parts of your business.
General liability covers you if a customer gets injured on your property or claims your work caused damage. It’s the foundation most businesses start with. Workers compensation is required by Arizona law if you have employees—it covers medical bills and lost wages if someone gets hurt on the job. Commercial auto insurance protects your work vehicles, whether that’s a single truck or an entire fleet.
If you provide advice, design work, or professional services, errors and omissions insurance (also called professional liability) covers you if a client claims your work caused them financial harm. Commercial property insurance protects your building, equipment, and inventory from fire, theft, or storm damage—critical in Arizona where wildfires, dust storms, and monsoons are real threats.
Theba businesses face the same risks as the rest of Arizona: extreme heat, unpredictable weather, and rising liability costs. In Maricopa County alone, construction injury lawsuits have resulted in verdicts over $5 million. You need coverage built for the risks you actually face, not a generic policy from a company that doesn’t know Arizona.
It depends on what you do and how many people you employ. If you have even one employee, Arizona law requires workers compensation insurance—no exceptions. Beyond that, most businesses need general liability to cover customer injuries or property damage claims.
If you use vehicles for work—trucks, vans, trailers—you need commercial auto insurance. Personal auto policies won’t cover business use, and if you get in an accident while working, you could be stuck with the bill. If you own or lease a building, or if you have expensive equipment or inventory, commercial property insurance protects those assets from fire, theft, or weather damage.
Service-based businesses—consultants, contractors, designers, accountants—should carry professional liability insurance (also called E&O insurance). It covers you if a client claims your advice or work caused them financial loss. The right mix depends on your specific situation, but those are the core coverages most Theba businesses need to stay protected and compliant.
There’s no flat rate—it depends on your industry, revenue, number of employees, and what coverage you need. That said, general liability in Arizona averages around $42 per month. Workers compensation runs about $46 per month. Professional liability typically costs around $71 per month.
Those are averages. If you’re in construction or a high-risk trade, your rates will be higher. If you’re a solo consultant working from home, you’ll likely pay less. Your claims history, coverage limits, and deductible all affect your premium.
The bigger issue right now is that rates across Arizona have been climbing—some businesses are seeing increases of 7% to 12%, even when their operations haven’t changed. That’s why working with an independent agency matters. We can compare quotes from over 100 carriers and find you a competitive rate instead of just accepting whatever one company offers. You’re not stuck with one option.
Yes. Getting dropped or non-renewed doesn’t mean you’re out of options—it just means you need an agency with access to more carriers. A lot of businesses in Arizona are dealing with this right now. Carriers are pulling back, tightening underwriting, or hiking rates without warning.
Because we represent over 100 insurance companies, we can place coverage even if you’ve been turned down elsewhere. Some carriers specialize in higher-risk industries or businesses with claims history. Others focus on startups or businesses that don’t fit the standard mold.
We’ll ask about why you were dropped, review your loss history, and match you with a carrier that actually wants your business. In some cases, we can find you better coverage at a lower price than what you had before. The key is having options—and that’s exactly what an independent agency gives you. You’re not stuck begging your old carrier to take you back.
Commercial auto insurance covers vehicles used for business purposes—hauling equipment, transporting clients, making deliveries, or driving to job sites. Personal auto policies specifically exclude business use, which means if you get into an accident while working, your insurer can deny your claim.
Commercial policies also cover higher liability limits, which you need if you’re driving for work. If you cause an accident and injure someone or damage their property, the lawsuit could easily exceed personal policy limits. Commercial coverage also protects your tools, equipment, and cargo if they’re stolen or damaged in an accident.
If you use your personal vehicle occasionally for work—like driving to a meeting or picking up supplies—you might be okay with a personal policy. But if you’re using a truck to haul materials, a van to transport a crew, or a vehicle with your business name on it, you need commercial auto insurance. Arizona doesn’t require it by law, but your lender might if you finance the vehicle—and you’ll definitely need it if you want coverage that actually pays out.
Yes. Arizona law requires workers compensation insurance the moment you hire your first employee—even if it’s part-time, seasonal, or a family member. There’s no minimum employee threshold. If you pay someone to work for you, you need coverage.
Workers comp covers medical bills, lost wages, and rehabilitation costs if an employee gets injured on the job. Arizona reported 79,500 non-fatal workplace injuries in 2022, and over 87% of those were in the private sector. Even low-risk businesses aren’t immune—someone can slip, strain their back, or get hurt in ways you don’t expect.
If you don’t carry workers comp and an employee gets injured, you’re personally liable for their medical bills and lost income. You could also face fines and penalties from the state. It’s not optional, and it’s not worth the risk. The cost is typically based on your payroll and industry classification, and in most cases, it’s far less expensive than dealing with an uninsured workplace injury.
You likely need both, but they cover different things. General liability protects you from physical accidents—a client trips at your office, your work damages someone’s property, or you’re accused of libel or slander. It’s broad coverage for bodily injury and property damage claims.
Professional liability (also called errors and omissions insurance) covers financial harm caused by your advice, services, or professional work. If a client claims you made a mistake that cost them money—missed a deadline, gave bad advice, made an error in a report—professional liability steps in. It’s critical for consultants, accountants, designers, contractors, real estate agents, and anyone who provides specialized services.
Think of it this way: general liability covers accidents that happen to people or property. Professional liability covers mistakes in the work you do. If you’re a consultant who meets clients in person, you need both. If you’re a contractor who builds things and gives recommendations, you need both. Most service-based businesses in Theba and across Arizona carry both policies because the risks overlap—and neither one covers what the other does.
Local Resources
Useful Links
Other Services we provide in Theba
