Hear from Our Customers
You didn’t start your business to become an insurance expert. But when your carrier drops you or jacks up your rates without explanation, suddenly you’re forced to figure it out fast.
Here’s what changes when you work with an independent agency. You get access to over 100 insurance carriers instead of being stuck with one company’s pricing and terms. That means real options for workers compensation insurance, commercial auto insurance, and business liability insurance—not just whatever your old carrier decided to offer this year.
You also get someone local who answers the phone. Not a call center in another state. Not an automated system that transfers you four times. A real person in Arizona who knows your business and can pull up your file without making you repeat your story.
The goal isn’t just cheaper coverage. It’s coverage that actually fits what you do, priced fairly, with support when you need it. That’s what you should’ve had all along.
Premier Choice Insurance is a family-owned independent agency based in Arizona. We’ve been helping businesses across the state—including New River and the greater Phoenix area—find coverage that actually makes sense for what they do.
Independent means we’re not tied to one insurance company. We represent over 100 carriers, so when you need commercial property insurance or professional liability insurance, we’re shopping the entire market on your behalf. You’re not locked into one company’s rates or policies.
We’re located in Mesa and Peoria with real offices where real people work. Our team has over 40 years of combined experience, and we’ve earned more than 930 five-star reviews from Arizona business owners who were tired of the same problems you’re dealing with right now. New River businesses deserve local service and honest answers—that’s what we’re here for.
First, we talk. You tell us about your business—what you do, how many employees you have, what vehicles or property you need covered, and what happened with your last carrier. This usually takes 10 to 15 minutes, and you can do it over the phone or in person at one of our Arizona offices.
Then we shop. We take your information to our network of over 100 carriers and get quotes for the coverage you actually need. This includes everything from general liability and commercial vehicle insurance to errors and omissions insurance if your work requires it. We’re looking for the best combination of price and coverage, not just the cheapest option that leaves you exposed.
Once we have your quotes, we walk through them with you. We explain what’s covered, what’s not, and why one policy might be better than another even if it costs a bit more. You make the final call. If you decide to move forward, we handle the paperwork and even cancel your old policy for you at no charge.
After that, we stay in touch. When your business changes or you add a vehicle or hire more people, you call us. We adjust your coverage so you’re not overpaying or underinsured.
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Commercial insurance isn’t one-size-fits-all, and New River businesses have different needs depending on their industry. If you’re a contractor, you need trade insurance that covers your tools, your truck, and liability on job sites. If you run a restaurant or retail shop, you need commercial property insurance and liability coverage for customers. If you’re a consultant or professional service provider, errors and omissions insurance protects you if a client claims your advice caused them financial harm.
Most New River businesses need some combination of general liability, commercial auto insurance for work vehicles, and workers compensation insurance if they have employees. Arizona requires workers comp for most businesses with employees, and the cost depends on your industry and payroll. Construction and trades typically pay more than office-based businesses because the risk of injury is higher.
The New River area has seen steady growth as more people move north from Phoenix and Scottsdale. That means more small businesses opening—and more business owners discovering their personal auto policy won’t cover that work truck, or their homeowners policy won’t cover that home office if something goes wrong. Commercial coverage fills those gaps.
When you work with an independent agency, you’re not guessing what you need. We look at what you do, where you operate, and what could go wrong, then build coverage around that. And because we have access to over 100 carriers, we can find options that fit your budget without leaving you exposed.
Insurance carriers have been raising rates across Arizona, and longtime customers are often hit the hardest. If you’ve been with the same company for years, they may have been gradually increasing your premium, and now it’s reached a point where it’s no longer competitive.
Carriers also reassess risk regularly. If your industry has seen more claims recently—even if you personally haven’t filed any—your rate can go up. Some companies are pulling out of certain business categories entirely, which is why you might see a huge increase or even a cancellation notice.
The good news is that rates vary widely between carriers. One company might see your business as high-risk while another prices it fairly. That’s why independent agencies exist—we can show you what 10 or 15 different carriers would charge for the same coverage. You’re not stuck with one company’s opinion of what you should pay.
General liability covers bodily injury and property damage. If a customer slips and falls in your shop, or you accidentally damage a client’s property while working, general liability handles the claim. It’s the foundation of most commercial insurance policies.
Professional liability insurance—also called errors and omissions insurance or E&O insurance—covers financial harm caused by your professional services or advice. If a client says your work caused them to lose money, or you made a mistake that cost them financially, professional liability steps in. This is critical for consultants, accountants, real estate agents, insurance agents, and anyone who gives advice or provides specialized services.
Some businesses need both. A marketing consultant, for example, might need general liability in case someone gets hurt in their office, and professional liability in case a client claims their marketing strategy didn’t deliver promised results. The two policies cover different risks, and neither one replaces the other.
If you’re using your personal vehicle for business purposes—delivering goods, meeting clients, transporting equipment—your personal auto policy probably won’t cover an accident that happens during work. Most personal policies exclude business use, which means if you get into an accident while working, your claim could be denied.
Commercial auto insurance covers vehicles used for business. If you have a work truck or van, you absolutely need it. If you’re using your personal car but it’s a regular part of how you operate, you should either add business use coverage to your personal policy or get a commercial policy.
The risk isn’t worth it. If you cause an accident while working and your personal policy denies the claim, you’re personally liable for damages, medical bills, and legal costs. That can destroy a small business. Talk to us about your specific situation—sometimes a simple endorsement is enough, but other times you need a full commercial vehicle insurance policy.
Workers compensation insurance cost depends on your payroll and your industry classification. Arizona calculates premiums based on every $100 of payroll, and each job type has a different rate. Office workers cost less to insure than roofers because the injury risk is lower.
For example, a New River contractor with $200,000 in annual payroll might pay anywhere from $4,000 to $12,000 per year depending on the type of work. A consultant with one office employee might pay a few hundred dollars. The rate also depends on your claims history—if you’ve had injuries in the past, your rate goes up.
Arizona requires most businesses with employees to carry workers comp. If you don’t have it and an employee gets hurt, you’re facing serious fines and potential lawsuits. The cost feels high until you consider what one workplace injury could cost without coverage. We shop your workers compensation insurance across multiple carriers because rates vary significantly, and finding the right carrier can save you thousands per year.
Yes. Getting a quote doesn’t commit you to anything, and you don’t have to cancel your current policy to see what else is available. Most business owners shop their insurance 30 to 60 days before their renewal date, which gives you time to compare options without a coverage gap.
We’ll ask for some basic information about your business and current coverage, then come back with quotes from multiple carriers. You can review them, ask questions, and decide if switching makes sense. If it does, we handle the transition and cancel your old policy so there’s no overlap or lapse in coverage.
If your current policy was just canceled or you’re facing a massive increase at renewal, we can move faster. Some carriers can bind coverage same-day if needed. The point is, you’re in control of the timeline. We’re here to give you options, not pressure you into a decision before you’re ready.
If something happens after your new policy starts, you file the claim with your new carrier. That’s straightforward. If something happened before you switched but you didn’t know about it until after, that’s where it gets tricky—it depends on whether you have “claims-made” or “occurrence” coverage.
Most general liability and commercial property insurance policies are “occurrence” policies, meaning they cover incidents that happen during the policy period, even if the claim is filed later. So if something happened in March and you switch carriers in June, your old carrier handles it because that’s when the incident occurred.
Professional liability and errors and omissions insurance are usually “claims-made” policies, which cover claims filed during the policy period regardless of when the incident happened. If you switch carriers, you may need “tail coverage” to cover claims filed after you leave. This is important for consultants, contractors, and professionals who might not discover a problem until months after the work is done.
We walk you through this when you switch. You won’t have gaps in coverage if we set it up correctly from the start.
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