Hear from Our Customers
You’re not looking for a sales pitch. You need someone who understands that your premium just jumped 40% and your current carrier won’t explain why.
When you work with us as your local independent agency, you get access to over 100 insurance carriers instead of being stuck with one company’s rates. That means if one carrier decides Sun City businesses are too risky or your industry isn’t profitable enough, you’re not left scrambling. You have options.
You also get same-day certificates of insurance when a client or landlord needs proof of coverage by end of business. No waiting three days for a callback. No automated phone trees. Just a real person in an Arizona office who knows your business and can get you what you need.
Most importantly, you get someone who reviews your coverage when your business changes—when you add a vehicle, hire employees, or expand your services. Because the worst time to find out you’re underinsured is after you file a claim.
We’re a family-owned independent agency based in Arizona. We’ve been helping Sun City business owners find coverage that actually fits since before “online quotes” became the default answer to every insurance question.
We’re not the biggest agency in the state. We’re also not trying to be. What we are is a team that answers the phone, shows up at the office, and knows the difference between a haboob and a microburst—and why that matters for your commercial property insurance.
We’ve earned over 930 five-star Google reviews and recognition as Agents of the Year in 2023 because we do what we say we’ll do. That includes free policy cancellation service when you switch, so you’re not stuck managing paperwork with a company that just raised your rates without warning.
You call or submit a request. We ask about your business—what you do, how many employees you have, what kind of vehicles or property you need covered, and what your current policy looks like if you have one.
Then we shop your risk across our network of over 100 carriers. Not every carrier writes every type of business, and not every carrier offers competitive rates for Sun City businesses. That’s why access matters. We’re looking for the combination of coverage and price that makes sense for your specific situation.
Once we find options, we walk you through them. Not in insurance jargon—in plain language. What’s covered, what’s not, what the deductible means, and how the policy responds if you actually need to file a claim.
If you decide to move forward, we handle the binding, the paperwork, and the cancellation of your old policy if you’re switching. You’ll have your certificates of insurance and policy documents in hand, usually within 24 hours.
After that, we’re still here. If your business changes, if you need an additional certificate, if you’re not sure whether something is covered—you call the same number and talk to someone who already knows your account.
Ready to get started?
General liability insurance covers third-party injuries and property damage. If a client trips at your location or you accidentally damage someone’s property while working, this is what responds. Most contracts require at least $1 million per occurrence and $2 million aggregate before you can start work.
Workers compensation insurance is required by Arizona law if you have even one employee. It covers medical bills and lost wages if someone gets hurt on the job. Rates vary by industry—office work is cheaper than construction—but it’s not optional if you have payroll.
Commercial auto insurance covers vehicles owned by your business. Personal auto policies don’t cover business use, and if you’re driving for work without the right coverage, you’re exposed. This includes everything from a single pickup truck to an entire fleet.
Professional liability insurance, also called errors and omissions insurance, covers claims that you made a mistake or failed to deliver what you promised. If you’re a consultant, contractor, or service provider, this protects you when a client says your work caused them financial harm.
Commercial property insurance covers your building, equipment, and inventory against damage from fire, theft, vandalism, or weather events. Sun City businesses face monsoon storms, dust storms, and extreme heat—all of which can damage property. If your lease requires coverage or you own your building, this is non-negotiable.
It depends on what you do, how many people you employ, and what kind of property or vehicles you need to cover. A one-person consulting business with no physical location might pay $500 a year for general liability. A contractor with three trucks and five employees could pay $15,000 or more when you add in commercial auto, workers comp, and general liability.
Arizona averages run around $42 a month for general liability, $46 a month for workers comp, and $71 a month for professional liability. But those are averages. Your actual rate depends on your claims history, your industry, and how much coverage you need.
The bigger issue isn’t the average—it’s whether you’re overpaying with your current carrier. If your rate jumped and no one explained why, or if you’ve been with the same company for 15 years and never shopped around, you’re probably leaving money on the table.
Yes. Arizona law requires workers comp coverage if you have at least one employee, even part-time. It doesn’t matter if they’re family, if they’re only working a few hours a week, or if they signed something saying they won’t sue you. If they’re on payroll, you need coverage.
The penalty for not carrying it is steep. You can be fined up to $1,000 per day of noncompliance, and if an employee gets hurt, you’re personally liable for their medical bills and lost wages. That can easily run into six figures for a serious injury.
Even if you’re a sole proprietor with no employees, some general contractors or clients won’t let you on a job site without proof of workers comp. In that case, you can get a policy that covers just you. It’s not required by law, but it’s often required by contract.
A few reasons. First, Arizona has seen increased wildfire risk, extreme heat, and monsoon damage over the last decade. Insurers are adjusting rates to reflect that risk, even if your specific business hasn’t filed a claim.
Second, inflation affects replacement costs. If your building or equipment would cost more to replace today than it did three years ago, your premium goes up to match. Insurers don’t want to be on the hook for a $500,000 rebuild when they only collected premiums for $300,000 in coverage.
Third, some carriers are pulling back from certain industries or regions entirely. If your carrier decided they don’t want to write your type of business anymore, they’ll raise your rate hoping you leave. That’s not a reflection of your claims history—it’s a business decision on their end.
The good news is that not every carrier is making the same decision. That’s why access to multiple carriers matters. One company’s 40% increase might be another company’s new business opportunity.
General liability covers bodily injury and property damage. If someone slips and falls at your business, or if you accidentally break a client’s window while working, general liability responds.
Professional liability, also called errors and omissions insurance, covers financial harm caused by your work. If a client says you gave bad advice, missed a deadline, or made a mistake that cost them money, professional liability covers your legal defense and any settlement or judgment.
Most businesses need both. General liability protects you from accidents. Professional liability protects you from allegations that your work wasn’t up to standard. If you’re a consultant, accountant, real estate agent, or contractor, you’re exposed to both types of claims.
Some clients or contracts will specifically require proof of both coverages before they’ll work with you. That’s especially common in professional services and trades where the cost of a mistake can be significant.
Yes, if you already have an active policy. Certificates of insurance are just proof that your coverage exists. If your policy is in force, we can issue a certificate within a few hours, often the same day you request it.
If you don’t have coverage yet, it takes longer. We need to quote your business, get you bound with a carrier, and wait for the policy to be issued. That can happen in 24 to 48 hours if you have all your information ready and the underwriting is straightforward.
The mistake most business owners make is waiting until the last minute. If a client or landlord tells you they need proof of insurance by Friday, don’t call us Thursday afternoon. Give yourself a few days, especially if you’re starting from scratch.
If you already work with us and just need an updated certificate with a new contract holder’s information, that’s fast. We keep your policy details on file and can turn those around quickly.
You call us first. We’ll walk you through what information the carrier needs, how to document the damage or incident, and what to expect during the claims process. Then we’ll help you file directly with the insurance company.
Once the claim is filed, the carrier assigns an adjuster. They’ll investigate what happened, determine if it’s covered under your policy, and calculate what they owe. If it’s a property claim, they may send someone out to inspect the damage. If it’s a liability claim, they’ll review the details and decide whether to settle or defend.
Your job is to cooperate with the investigation, provide documentation, and keep records of everything. Our job is to make sure the carrier is handling your claim fairly and that you’re not getting stuck with costs that should be covered.
The biggest issue we see is business owners not understanding what their deductible is or how their policy actually responds. Some policies pay replacement cost. Others pay actual cash value, which factors in depreciation. If you don’t know which one you have, you might be surprised when the check arrives. That’s why we explain this upfront, before you ever need to file.
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