Hear from Our Customers
A customer slips in your shop. An employee gets hurt on a job site. A client claims your work caused them financial loss. Without the right general liability insurance, any one of these situations could drain your business account and force you to close.
With proper coverage in place, you file a claim and your carrier handles it. Legal fees, medical bills, settlement costs—covered. You keep operating while the insurance company does what you’re paying them to do.
That’s the difference between scrambling to protect everything you’ve built and knowing you’re already protected. Most Arizona small businesses pay around $42 to $44 per month for general liability coverage. That’s less than your phone bill, and it stands between you and a lawsuit that could cost tens of thousands.
The question isn’t whether you can afford coverage. It’s whether you can afford to operate without it when Arizona reported 79,500 workplace injuries in 2022 alone—and that’s just the reported ones.
We’re a family-owned independent agency that’s been serving Arizona businesses for decades. We’re not a call center. We’re not offshore support. We’re local people in a Mesa office who pick up when you call.
That matters when you’re comparing quotes at 7 PM or need a certificate of insurance by tomorrow morning. You’re not navigating phone trees or waiting three days for an email response.
We represent over 40 carriers, which means we’re not trying to force you into one company’s rates. We quote your business across multiple options and show you what actually fits your budget and coverage needs. Our service costs you nothing—we get paid by the carriers, not by marking up your premium.
We’ve earned over 930 five-star Google reviews, won Agents of the Year in 2023, and we’re rated as one of the Three Best Insurance Agents in Mesa. We cover businesses throughout Kaka, AZ and across the entire state, from contractors and retail shops to restaurants and professional service firms.
You reach out by phone, email, or through our website. We ask about your business—what you do, how many employees you have, your annual revenue, and what kind of coverage you’re looking for or required to carry.
Then we run your information through our network of 40+ carriers. We’re quoting commercial general liability, and depending on your business, we might also look at workers compensation insurance, commercial auto insurance, professional liability insurance, or a business owner’s policy that bundles property and liability together.
You get options, not a single take-it-or-leave-it quote. We walk through what each policy covers, what it costs, and where the differences are. If you’re comparing us against another agent or direct carrier, we’ll explain exactly what you’re looking at so you can make an informed decision.
Once you choose a policy, we handle the paperwork and get you bound. If you need a certificate of insurance for a contract or lease, we generate that right away. If you’re switching from another carrier, we can even cancel your old policy for you so you’re not managing two agencies at once.
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General liability insurance covers third-party bodily injury and property damage. That means if a customer gets hurt at your location, or you accidentally damage a client’s property while working, your policy responds. It also covers advertising injury claims, like libel or slander.
Most businesses in Arizona carry $1 million per occurrence and $2 million aggregate. That’s the standard requirement for most commercial leases, vendor contracts, and enterprise client agreements. If someone sues you, the policy covers your legal defense costs even if the claim is baseless.
Depending on your industry, you might also need commercial auto insurance if you or your employees drive for work, workers compensation insurance if you have staff, or errors and omissions insurance if you provide professional advice or services. E&O insurance covers financial losses your clients suffer due to mistakes or oversights in your work—critical for consultants, agents, and anyone in a professional service trade.
Arizona’s extreme weather adds another layer of risk. Monsoons, dust storms, wildfires, and flooding have all caused significant damage across the state in the last decade. If your business involves physical locations or equipment, adding commercial property insurance to your general liability policy creates a business owner’s policy that bundles both at a lower combined rate.
We also serve businesses that need trade-specific coverage—contractors, landscapers, retail shops, restaurants, and more. Every industry has different exposures, and every carrier prices them differently. That’s why access to 40+ carriers matters. We’re finding you the best rate for your specific risk profile, not just the first quote that comes back.
Most small businesses in Arizona pay between $42 and $44 per month for general liability insurance. That’s the average, but your actual cost depends on your industry, revenue, number of employees, and claims history.
A low-risk business like a freelance consultant working from home might pay $30 per month. A contractor doing residential remodeling might pay $80 to $120 per month because the risk of property damage or injury is higher. Restaurants, with constant foot traffic and hot equipment, often fall somewhere in the middle.
If you bundle general liability with commercial property insurance into a business owner’s policy, the average cost in Arizona is around $83 per month. That gives you both liability protection and coverage for your building, equipment, and inventory.
The best way to know what you’ll pay is to get quoted. We run your business through 40+ carriers and show you the actual numbers, not industry averages.
General liability covers bodily injury and property damage to third parties. If someone trips in your office or you accidentally break a client’s equipment, general liability responds.
Professional liability insurance—also called errors and omissions insurance or E&O insurance—covers financial losses your clients suffer because of mistakes, oversights, or negligence in the professional services you provide. If a client claims your advice cost them money, or you missed a deadline that caused them harm, E&O insurance covers your legal defense and any settlement or judgment.
You need general liability if people visit your location or you work on client property. You need professional liability if you give advice, handle sensitive data, manage projects, or provide specialized services where a mistake could cost your client money.
Many Arizona businesses need both. A marketing consultant needs E&O insurance for the work they do, but they also need general liability in case a client trips over a laptop bag during a meeting. We quote both and show you what makes sense for your situation.
A certificate of insurance—often called a COI—is a one-page document that proves you have active coverage. Landlords, general contractors, event venues, and enterprise clients almost always require one before you can start work, sign a lease, or deliver services.
Most COI requests specify minimum coverage amounts, usually $1 million per occurrence and $2 million aggregate for general liability. Some also require you to name them as an additional insured on your policy, which extends your coverage to protect them if they get dragged into a claim related to your work.
We generate certificates of insurance immediately once your policy is active. If you’re already insured with us and need a COI for a new contract, we can usually turn it around the same day. If you’re getting a new policy, we’ll have your certificate ready as soon as you’re bound.
This is one of the biggest reasons businesses switch to us. When you’re dealing with a national carrier’s online portal or an offshore call center, getting a COI can take days. When you call us, you’re talking to someone in Mesa who can pull it up and email it to you while you’re still on the phone.
It depends on the claim and your carrier. A single small claim usually won’t spike your premium, especially if you’ve been with the carrier for years without any issues. Multiple claims in a short period, or one large claim, will almost always increase your rate at renewal.
Insurance carriers price your policy based on risk. If you file a claim, you’ve demonstrated that the risk they’re covering is real, not theoretical. That changes how they calculate your premium going forward.
That said, not all claims affect your rate the same way. A customer slipping on ice and filing a $5,000 medical claim is different from a lawsuit that costs your carrier $200,000 to settle. Frequency matters as much as severity. Three small claims in two years will raise more red flags than one moderate claim in five years.
This is another reason we represent 40+ carriers instead of just one. If your rate does increase after a claim, we can re-quote your business with other carriers and find you a better option. You’re not stuck with one company’s pricing decision.
The worst thing you can do is avoid filing a legitimate claim because you’re worried about your rate. That’s what the coverage is for. If you’re hit with a lawsuit or a major expense that your policy should cover, file the claim. We’ll help you manage the renewal when it comes.
If a claim exceeds your policy limits, you’re personally responsible for the difference. Your general liability policy will pay up to the per-occurrence limit, and then you’re covering the rest out of pocket.
Let’s say you carry a $500,000 per occurrence limit and you’re hit with a lawsuit that settles for $750,000. Your insurance pays $500,000. You’re paying $250,000. If you don’t have it, they can go after your business assets, your personal assets if you’re a sole proprietor, and potentially force you into bankruptcy.
That’s why most businesses carry at least $1 million per occurrence. It’s the standard for a reason—it’s the minimum amount that provides real protection in a serious claim. Some industries and contracts require $2 million or more.
If you’re in a high-risk industry or you work with enterprise clients, you might also want to look at umbrella insurance, which sits on top of your general liability policy and adds an extra $1 million to $5 million in coverage. It’s cheaper than increasing your base policy limits and it protects you from catastrophic claims.
We’ll walk you through what limits make sense for your business based on your industry, your revenue, and what you’re required to carry. The goal is to make sure you’re protected without overpaying for coverage you don’t need.
Yes. You don’t need a storefront or a commercial location to need general liability insurance. If you meet with clients, attend trade shows, work on client sites, or sell products, you’re exposed to liability claims.
A freelance consultant who meets clients at coffee shops can still be held liable if a client trips over their bag. An online retailer can be sued if a product they sell injures someone. A home-based contractor working on client properties faces liability every time they step onto a job site.
Even if you never leave your home office, some clients and platforms require proof of insurance before they’ll work with you. Upwork, Fiverr, and other freelance marketplaces are increasingly asking for certificates of insurance. If you’re bidding on contracts or working with larger companies, they’ll almost always require $1 million in general liability coverage.
The good news is that home-based and low-risk businesses typically pay the lowest premiums. If you’re a solo consultant with no employees and minimal risk, you might pay $30 to $40 per month for a solid general liability policy.
We insure plenty of home-based businesses across Kaka, AZ and the rest of Arizona. The process is the same—we quote you through multiple carriers, show you your options, and get you covered fast.
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