Hear from Our Customers
General liability insurance covers the stuff that keeps business owners up at night. Someone slips on your property and breaks an ankle. A client claims your work damaged their equipment. Your employee accidentally causes property damage at a job site.
Without coverage, you’re writing checks from your business account—or worse, your personal one. With it, the insurance company handles the legal fees, settlements, and medical bills while you keep running your business.
That’s the difference between a lawsuit being an inconvenience and a lawsuit shutting your doors. In Maricopa County, where nuclear verdicts regularly exceed $5 million, you can’t afford to assume nothing will happen. The businesses that survive aren’t the ones that never face claims—they’re the ones properly covered when claims show up.
We operate out of Mesa and Peoria with real offices you can visit. We’re not a call center in another state. We’re a family-owned agency that’s been helping Arizona businesses navigate insurance since before rate hikes became the norm.
We represent over 100 carriers, which means we’re not locked into one company’s pricing or underwriting rules. When your rates jump—and they have across Arizona, up 71% from 2020 to 2025—we can shop your coverage across 40+ top-rated carriers to find you a better option.
Our 930+ five-star Google reviews aren’t from automated follow-ups. They’re from business owners in Wittmann, Phoenix, Mesa, and across the state who got tired of being treated like policy numbers. You call, we answer. You need help, we handle it. That’s how local service is supposed to work.
First, we talk. You tell us about your business—what you do, how many employees you have, what kind of work happens on-site versus off-site. We ask questions that actually matter, not just what’s on a generic form.
Second, we shop. We run your information through our carrier network to find coverage that fits your risk profile and budget. We’re comparing options from 40+ carriers, not just handing you whatever one company offers.
Third, we get you covered. Once you pick a policy, we handle the paperwork, cancel your old policy if needed (at no cost to you), and make sure there’s no gap in coverage. Then we stay in touch—not with spam emails, but with real check-ins when your business changes or renewal time rolls around.
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General liability insurance is the foundation, but most Wittmann businesses need more than one policy. If you have employees, Arizona requires workers compensation insurance—no exceptions. If you use vehicles for work, you need commercial auto insurance, not personal coverage.
For trade businesses—contractors, electricians, plumbers—you’re looking at a combination of general liability, commercial property insurance for your tools and equipment, and possibly professional liability insurance depending on the work you do. Errors and omissions insurance (E&O insurance) covers you if a client claims your advice or service caused them financial harm.
In Wittmann and the broader Phoenix metro area, extreme weather is a real factor. Heat, dust storms, monsoons, and flooding all create risks that your coverage needs to address. We build policies around what actually happens in Arizona, not some national template that doesn’t account for 115-degree summers or monsoon season.
The average cost for general liability in Arizona runs about $42 per month for small businesses, but your actual rate depends on your industry, revenue, and claims history. That’s why shopping across multiple carriers matters—one company might quote you $80 while another quotes $35 for the same coverage.
General liability covers three main areas: bodily injury, property damage, and personal/advertising injury. Bodily injury means if someone gets hurt on your property or because of your business operations, the policy pays their medical bills and legal costs if they sue.
Property damage covers situations where you or your employees accidentally damage someone else’s property. If you’re working at a client’s location and break a window or ruin their flooring, general liability handles it.
Personal and advertising injury covers things like libel, slander, or copyright infringement claims. It’s less common than the other two, but it’s included in standard policies. What general liability doesn’t cover: employee injuries (that’s workers comp), damage to your own property (that’s commercial property insurance), or professional mistakes (that’s professional liability or E&O insurance). Most businesses need more than just general liability, which is why we look at your full risk profile during our conversation.
For small businesses in Arizona, general liability averages around $42 per month, but that number moves depending on what you do and how much risk you carry. A home-based consulting business with no employees will pay significantly less than a construction company with ten workers and heavy equipment.
Your industry matters most. High-risk trades like roofing or electrical work cost more to insure than low-risk office businesses. Your revenue matters too—higher sales usually mean higher premiums because there’s more exposure.
Claims history plays a role. If you’ve had multiple claims in the past few years, expect higher rates. If you’ve been claim-free, you’ll likely qualify for better pricing. That’s why we shop your coverage across 40+ carriers—one company might see your business as high-risk while another sees it as standard. The difference can be $50 or more per month for the same coverage limits.
Yes. Arizona law requires workers compensation insurance if you have even one employee. It doesn’t matter if they’re part-time, full-time, or seasonal. If you’re paying someone as an employee, you need coverage.
Workers comp covers medical expenses and lost wages if an employee gets injured on the job. In 2022, Arizona saw 79,500 non-fatal workplace injuries, with 87% coming from private sector businesses. The risk is real, and the penalties for not having coverage are steep—fines, legal liability, and potential criminal charges in serious cases.
If you’re a sole proprietor with no employees, you’re not required to carry workers comp, but you might want it anyway. It covers you if you get hurt while working, which general liability doesn’t. For trade businesses where physical labor is involved, it’s worth considering even if the state doesn’t mandate it. We can walk through whether it makes sense for your situation when we talk.
General liability covers physical accidents—someone trips and falls, you damage property, a client gets injured because of your work. Professional liability (also called errors and omissions insurance or E&O insurance) covers mistakes, oversights, and failures to deliver what you promised.
If you’re a consultant and your advice costs a client money, that’s professional liability. If you’re a contractor and you miss a deadline that causes financial harm to your client, that’s professional liability. If you’re a designer and someone claims your work infringed on their copyright, that’s professional liability.
Most service-based businesses need both. General liability protects against physical risks, professional liability protects against financial and reputational risks. The two policies work together but cover completely different exposures. If your business involves giving advice, creating deliverables, or providing specialized expertise, you likely need professional liability on top of general liability. We’ll help you figure out which combination makes sense based on what you actually do day-to-day.
Yes, and we handle it for you at no cost. If your current carrier just hit you with a massive rate increase or you found better coverage elsewhere, you’re not stuck waiting until renewal. You can cancel your existing policy and switch to a new one whenever you want.
Most carriers will refund you the unused portion of your premium on a pro-rated basis. Some charge a small cancellation fee, but it’s usually minimal compared to what you’ll save by switching to a better rate.
The key is making sure there’s no gap in coverage. We coordinate the start date of your new policy with the cancellation of your old one so you’re never uninsured—even for a day. That’s critical because if a claim happens during a coverage gap, you’re paying out of pocket. We’ve done this hundreds of times for Arizona businesses that got blindsided by their long-term carrier. It’s a straightforward process when someone who knows what they’re doing handles the details.
If you use a vehicle for business purposes—driving to job sites, hauling equipment, making deliveries, meeting clients—you need commercial auto insurance, not personal auto coverage. Personal policies explicitly exclude business use, which means if you get in an accident while working, your claim gets denied.
Commercial auto covers your vehicles, your drivers, and liability if you cause an accident while conducting business. It also covers higher limits than personal policies, which matters in Arizona where serious accidents can result in six- or seven-figure claims.
In Wittmann and surrounding areas, where businesses often travel between Phoenix, Peoria, Surprise, and other metro locations, you’re racking up miles and exposure. Contractors, landscapers, delivery services, real estate agents, and anyone who drives as part of their job needs commercial coverage. Even if you’re just using your personal truck to haul tools to a job site, that’s business use. If your insurance company finds out and you haven’t disclosed it, they can cancel your policy or deny a claim. We make sure your vehicles are properly covered based on how you actually use them.
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