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Small Business Insurance

Coverage built around how your business actually runs, from your first hire to your biggest job.

Running a business in Scottsdale and the Phoenix metro means managing exposure your personal insurance doesn't cover: client injuries, property damage, employee injuries, and vehicles used for work. We work with small business owners across trades, services, and professional fields to build a program that fits the operation without overcomplicating the overhead.

Core Coverages

The three policies most small businesses in Scottsdale need from day one.

General Liability

Covers third-party bodily injury and property damage claims, the foundation of almost every commercial insurance program.

Business Owners Policy

Bundles general liability and commercial property into one streamlined policy, usually the most cost-effective starting point for small businesses.

Workers' Compensation

Required in Arizona for most businesses with employees. Covers medical expenses and lost wages when an employee is injured on the job.

Frequently Asked Questions

+Do I need business insurance if I work from home?

Yes. Your home policy provides little to no coverage for business-related liability or business property. If a client visits your home and is injured, or you accidentally damage a client's property while on a job, your home policy likely won't respond. A simple general liability policy or BOP changes that.

+What's the difference between a BOP and a general liability policy?

General liability covers third-party bodily injury and property damage: what you're legally responsible for when something goes wrong involving a client or the public. A Business Owners Policy (BOP) bundles general liability with commercial property coverage into one policy. If you have a physical location, equipment, or inventory worth protecting, a BOP is almost always more cost-effective than buying those coverages separately.

+Does my business insurance cover vehicles my employees use for work?

Personal auto policies typically exclude business use, and your general liability policy doesn't cover vehicle accidents. If employees drive company vehicles or use their own cars for work purposes, you need commercial auto or a hired and non-owned auto (HNOA) endorsement. This is a gap that catches a lot of small business owners off guard, especially in service-based businesses where driving to job sites is routine.