Complete Protection for SMBs

A Business Owners Policy (BOP) combines three essential protections into one affordable package:

• Property coverage – for buildings, equipment, and inventory
• Liability protection – for customer injuries, lawsuits, or advertising claims
• Business interruption coverage – to replace income if operations are disrupted

This bundled coverage is cost-effective and customizable for small to medium-sized businesses. Whether you run a home-based business, a service company, or a retail shop, we’ll tailor a BOP that keeps you protected.

Optional Add-Ons:

• Extended liability for additional insureds
• Tools and equipment coverage
• Valuable records & accounts receivable protection

Debris removal & auxiliary property coverage

Protect Your Physical Assets

Your building, equipment, and inventory are the backbone of your business. Commercial Property Insurance protects them against fire, theft, vandalism, storms, and other covered risks.

Coverage may include:

• Building replacement – ensure you have enough coverage for today’s construction costs
• Business personal property – furniture, fixtures, equipment, and stock
• Business income protection – replaces lost revenue if your business is shut down after a covered event
• Electronic data processing (EDP) – protection for computer systems, servers, and data

💡 Note: Standard property policies typically exclude flood coverage — ask us about flood insurance options through the National Flood Insurance Program.

Extra Liability Protection

Lawsuits are expensive and jury awards are unpredictable. A Commercial Umbrella Policy gives you extra liability limits above your primary policies, protecting your business from catastrophic claims.

Perfect for businesses with:

• High public exposure
• Multiple locations or large fleets
• High-value assets
• Greater risk potential

For many Arizona businesses, umbrella insurance can mean the difference between recovery and financial ruin. We’ll evaluate your risks and build the right protection.

Core Protection Every Business Needs

Every business faces liability risks. General Liability Insurance protects you against:

• Customer injuries on your premises
• Property damage caused by your operations
• Personal and advertising injury claims

Additional coverages available:

• Professional Liability (E&O) – for accountants, attorneys, tech firms, architects, and more
• Employment Practices Liability (EPLI) – protection against claims like discrimination, wrongful termination, or harassment

Directors & Officers (D&O) – protects leadership teams against negligence or misrepresentation claims

On the Road Protection

If your business owns or uses vehicles, Commercial Auto Insurance is essential. It covers:

• Liability for bodily injury & property damage
• Medical payments & Personal Injury Protection (PIP)
• Physical damage to company-owned vehicles

Special coverages:

• Hired/Non-owned Auto Liability – for rented vehicles or employees using their own cars for business

Personal vehicle use – protection when personal cars are used for business purposes

Your employees are your most valuable asset. Workers’ Compensation Insurance provides:

• Medical care & rehabilitation for injured employees
• Wage replacement during recovery
• Employer liability protection

In Arizona, many employers are required to carry this coverage. We’ll design a plan that helps you control costs while creating a safer, more productive workplace.

Coverage enhancements can include:

• Vocational rehabilitation
• Nurse case management
• Managed prescription programs
• Legal & medical consulting services