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Get Small Business Insurance in Arizona

biBERK is trusted by many companies for business insurance in Arizona. We offer flexible policies to protect you from the many types of risk Arizona businesses face.

Arizona Workers' Compensation insurance

This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury. We offer tailored workers’ comp in Arizona to suit your business.

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Arizona General Liability insurance

Also known as commercial liability insurance, a general liability policy is a vital type of Arizona liability insurance. It covers damages and legal costs associated with injury claims customers and other people you don't employ (like from slip-and-fall accidents at your location), damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your Arizona liability insurance policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Arizona Business Owners Policy (BOP)

Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance (for things like non-employee injuries and customer property damage) with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. If your building is damaged by a severe storm, for example, you may be protected. You can also tailor your BOP with add-ons including cyber insurance, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Arizona Professional Liability insurance

Also known as errors and omissions (E&O) insurance, this Arizona liability policy could protect you from the cost of damages and legal fees if someone claims your professional service caused financial harm to them or their business. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). If you’re an engineer, for instance, and you make an error on a plan you create for a client, they may sue you. This type of liability insurance in Arizona can protect you. Professional liability insurance should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.

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Arizona Commercial Auto insurance

If your company owns or leases vehicles, this policy protects your business. Commercial auto insurance in Arizona can provide coverage for your vehicle damage plus legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.

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Arizona Cyber insurance

This type of business insurance in Arizona can be purchased as an add-on to a BOP, general liability, or professional liability policy. It helps cover costs related to system hacks or data security breaches in which sensitive information like credit card data has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

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Arizona Umbrella insurance

When buying liability insurance in Arizona, every policy has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection, as it can cover costs that exceed the limit of another biBERK liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your Arizona company.

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We Cover all Kinds of Professionals and Businesses in Arizona, Including:

    • Architectural and engineering firms
    • Auditors and accountants
    • Auto body repair shops
    • Auto service and repair centers
    • Building electrician services
    • Bus companies
    • Cabinet and trim installation services
    • Carpentry services
    • Carpet, linoleum, and vinyl floor installers
    • Concrete construction companies
    • Concrete driveway repair/installation companies
    • Concrete product manufacturers
    • Fast food restaurants
    • Full-time housekeepers
    • Furniture storage warehouses
    • Grocery stores
    • Gyms/fitness centers
    • Heating and air installation/repair services
    • Home health care services
    • Household appliance installation companies
    • Indoor tile/stone/marble installer
    • Insulation services
    • Landscaping and gardening services
    • Lumberyard operations
    • Masonry services
    • Metal fence installers
    • Nursing homes
    • Painters and wallpaper installers
    • Restaurants
    • Retail stores
    • Sales and collections services
    • Stables and breeders
    • Trucking companies
    • Veterinary hospitals
    • Wallboard installation companies
    • Wood furniture manufacturers

Why biBERK for Business Insurance in Arizona?

We’re the experts when it comes to small business insurance in Arizona.

Save time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

Arizona wine store owner

Why is biBERK Better for Small Business Insurance in Arizona?

We’re often less expensive and easier to do business with than other Arizona insurance companies. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services that can help them grow.

Get Business Insurance in Arizona Wherever You Are!

Since we’re an online insurance provider, you can connect with us easily, wherever you are, to get:

  • Business insurance in Phoenix, AZ
  • Business insurance in Tucson, AZ
  • Business insurance in Scottsdale, AZ
  • Business insurance in Chandler, AZ
  • Business insurance in Mesa, AZ
  • Business insurance in Flagstaff, AZ
  • Or anywhere in Arizona!

What do biBERK Customers Say?

What Coverage is Required for Arizona Small Businesses?

Workers' Compensation

In Arizona, every business with employees is required to carry workers’ compensation insurance. Even if you only have one employee, you’re still required to carry workers’ comp. You can receive substantial fines and criminal penalties if you’re caught doing business with employees in Arizona without a workers’ comp policy.

Other Policy Considerations

General liability insurance in Arizona can be important, as many contracts require it. The same is often true for AZ professional liability insurance. Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk. Financially protecting your company is one of the smartest business decisions you can make.

What Does Business Insurance in Arizona Cost?

The cost of business insurance in Arizona depends on a number of factors, including industry, number of employees, and the amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums.

Learn what you’ll pay for small business insurance in Arizona by getting instant online business insurance quotes.

Small Business Insurance in Arizona in Three Simple Steps


Get a Quote

Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.


Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.


Get a Certificate

Download an instant Certificate of Liability Insurance immediately after purchasing a policy.

Get a Quote Today

Trust biBERK for business insurance in Arizona and save up to 20%.