Hear from Our Customers
When a customer slips in your shop or a vendor claims your work damaged their property, you’re not scrambling to figure out what’s covered. You’re not draining your business account to pay legal fees. You’re not losing sleep wondering if one accident will shut you down.
You’ve got coverage that steps in when third parties make claims against your business. That means bodily injury, property damage, and legal defense costs get handled—so you can keep running your business instead of defending it in court.
The right general liability policy doesn’t just check a box for your lease or contract. It gives you room to operate without constantly worrying that one mistake will cost you everything you’ve built. That’s what coverage should do.
We’re a family-owned independent agency based in Mesa, serving businesses across Arizona—including St. Johns. We’re not a call center. We’re real people in a real office who answer when you call.
We work with over 40 top-rated carriers, which means we’re shopping your coverage across multiple companies to find what actually fits your business and budget. You’re not locked into one option or one price.
St. Johns businesses deal with unique challenges—rural location, seasonal weather, and the need for reliable coverage without overpaying. We get that. We’ve helped Arizona business owners for years, and we know what works here and what doesn’t.
First, we talk. You tell us about your business—what you do, where you operate, what risks keep you up at night. We ask questions that actually matter, not just what’s on a form.
Then we shop your coverage. We pull quotes from multiple carriers so you can see what’s available, what it costs, and what the differences are. No pressure. No runaround. Just options.
Once you choose a policy, we handle the paperwork and get you set up. Need a certificate of insurance for a lease or contract? We’ll get that to you fast. When something changes—you hire employees, expand your services, move locations—we adjust your coverage so you’re not left with gaps.
And if you ever need to file a claim, we’re here to walk you through it. You’re not calling an 800 number and hoping someone helps. You’re calling us.
Ready to get started?
General liability insurance covers third-party claims—meaning someone outside your business gets hurt or their property gets damaged, and they come after you. That includes slip-and-fall injuries at your location, damage you cause while working at a client’s site, and advertising injury claims.
It also covers legal defense costs, which add up fast even if the claim against you has no merit. Your policy pays for attorneys, court fees, and settlements or judgments up to your policy limits.
In St. Johns, where many businesses operate in agriculture, trades, or retail, this coverage is critical. A customer injury, accidental property damage during a job, or even a dispute over your advertising can trigger a lawsuit. Arizona doesn’t legally require most businesses to carry general liability insurance, but landlords, clients, and contracts often do.
Most policies also include medical payments coverage, which pays small medical bills right away without a lawsuit—think someone trips in your store and needs stitches. It’s a goodwill gesture that can prevent bigger claims down the road.
Most small businesses in Arizona pay between $40 and $80 per month for general liability insurance, though your actual cost depends on your industry, revenue, location, and claims history. A low-risk office business will pay less than a contractor or retail shop with higher foot traffic.
Your coverage limits matter too. A $1 million per occurrence / $2 million aggregate policy costs less than higher limits, but many contracts and leases require at least that much. If you’re in a higher-risk trade or work on large commercial projects, you might need $2 million or more.
We shop your coverage across 40+ carriers to find competitive pricing. That means you’re not stuck with one company’s rate—you’re seeing what’s actually available for your business in St. Johns. Some carriers specialize in certain industries and offer better rates because they understand your risks better.
General liability covers bodily injury and property damage—physical accidents and tangible losses. Professional liability (also called errors and omissions insurance or E&O insurance) covers mistakes in your professional services—things like bad advice, missed deadlines, or errors that cost your client money.
If you’re a consultant, accountant, real estate agent, or IT professional, you need professional liability insurance because your work is advice or services, not physical products. If a client claims your recommendation cost them revenue or your mistake caused financial harm, general liability won’t cover it.
Many businesses need both. A marketing agency needs general liability in case a client trips in their office, and professional liability in case an ad campaign flops and the client sues for the wasted ad spend. A contractor needs general liability for job site injuries and property damage, and might add professional liability if they also provide design or consulting services.
We’ll walk you through what you actually need based on what you do and who you work with. No point paying for coverage you don’t need, but gaps can cost you everything.
Yes, especially if clients visit your home, you work at client locations, or you have a contract that requires it. Your homeowners insurance doesn’t cover business activities—if a client trips on your porch during a meeting, your home policy will likely deny the claim.
If you’re running an online business with no client interaction and no physical products, your risk is lower. But if you’re a photographer, consultant, tutor, or any business where people come to you or you go to them, you need coverage.
Many home-based businesses in St. Johns operate in trades, consulting, or retail. Even low-risk businesses face exposure. A delivery to a client’s home, a meeting at a coffee shop, or a product you sell that injures someone—all of those can trigger claims. General liability insurance for home-based businesses is often affordable, sometimes $30 to $50 per month, because your revenue and risk profile are smaller.
Landlords and clients often require proof of insurance before signing contracts. If you’re bidding on work or leasing commercial space as you grow, you’ll need a certificate of insurance. We can get you set up quickly.
You call us first. We’ll walk you through what happened, what information you need to gather, and how to report it to your carrier. Most claims start with documenting the incident—photos, witness statements, medical reports, or repair estimates.
Your insurance company assigns a claims adjuster who investigates and determines coverage. If the claim is covered, they handle legal defense, negotiate settlements, and pay judgments up to your policy limits. You’re not paying out of pocket for attorneys or settlements—that’s what your premium covers.
The process can take weeks or months depending on the claim’s complexity. Simple medical payments claims (someone needs stitches after a minor injury) might settle in days. Larger property damage or injury claims with disputes over fault can take longer.
We stay involved. If you have questions, need documents, or don’t understand what your adjuster is saying, you call us. We’re your advocate, not the insurance company’s. Our job is making sure you’re treated fairly and your claim gets handled right.
Yes, but your options and pricing depend on what happened, how long ago, and whether the issues have been fixed. One claim doesn’t automatically disqualify you, but multiple claims or a large payout can make coverage harder to find and more expensive.
Some carriers specialize in businesses with claims history. They charge more, but they’ll still cover you. Others won’t touch you if you’ve had recent large claims. That’s why working with an independent agency matters—we have access to carriers you’d never find on your own.
If you’ve had claims, be upfront about it. Hiding claims history can get your policy canceled or a claim denied later, which is worse than paying a higher premium now. We’ll shop your coverage honestly and find what’s available.
In some cases, improving your risk management—adding safety protocols, fixing hazards, or increasing employee training—can help you get better rates over time. Carriers want to see you’re taking steps to prevent future claims. We’ll help you figure out what changes make sense.
If you have employees, yes. Arizona requires businesses with at least one employee to carry workers compensation insurance. It covers medical bills and lost wages if an employee gets hurt on the job. General liability doesn’t cover employee injuries—that’s a separate policy.
Workers compensation insurance in Arizona averages around $46 per month for small businesses, though your cost depends on your industry and payroll. Construction and trades pay more because injury risk is higher. Office businesses pay less.
Even if you’re a sole proprietor with no employees, you might need workers comp if you work on certain job sites or contracts. Some general contractors and commercial clients require all subcontractors to carry it, even if you’re working alone.
We bundle general liability and workers compensation insurance together for most businesses because you need both, and bundling often saves money. Add commercial auto insurance if you use vehicles for work, and commercial property insurance if you own equipment or inventory. We’ll build a package that covers what you actually need without paying for redundant coverage.
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