Small business insurance in Arizona with Huckleberry Insurance

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Small business insurance in Arizona with Huckleberry Insurance

Small business insurance in Arizona

Arizona isn’t just beautiful, it’s also full of entrepreneurial spirit—571,495 small businesses call the Grand Canyon State home. These businesses employ 1 million people—which means 43.7% of private sector employees in Arizona make their living at a small company. As a small business owner in Arizona, you’re a vital part of the state’s economy, and you need to be sure you’re protected with the best small business insurance.

We’re here to help. Our online business insurance solution simplifies everything for you, so getting coverage only takes about five minutes. (Seriously, it’s all online and easy.)

The most common types of small business insurance in Arizona

Small business insurance in Arizona with Huckleberry Insurance

Workers’ comp covers costs associated with employee injuries on the job. It’ll pay out for lost wages, medical treatment, and rehabilitation while your employee gets on their feet again.

Small business insurance in Arizona with Huckleberry Insurance

A bundle of essential policies that protects your company when the unpredictable happens. It includes general liability, business interruption insurance, and property insurance.

If a third party ever sues your company for injury or damage, this helps pay for your legal expenses and financial settlement.

Business property insurance covers your building in case of damage, while business personal property insurance covers the things inside your building.

Business interruption coverage can help your business stay afloat if it ever has to shut down for a covered reason. The policy takes care of the major recurring costs (like taxes and payroll) and could even pay out for an alternate location until the situation resolves.

Small business insurance in Arizona with Huckleberry Insurance

How much do Arizonans pay for small business insurance?

While every situation is different, the median premium numbers can give you a general idea of what coverage costs in the Grand Canyon State. In Arizona, the median rates are $920/year for workers’ comp, $920/year for general liability, and $750/year for a business owner’s policy (which automatically includes general liability as well as a few other important policies).

Do keep in mind that these premium numbers might not match your premium numbers. Rates depend on your industry, how many people work for you, and where you’re located—every business will pay a rate based on its unique situation. The best way to find out what you’d pay for your small business is to get a 60-second estimate from Huckleberry. (No commitment necessary and it really does take under a minute.)

Other coverages you can add to your Arizona policy

Employment Practices Liability

Also known as EPLI, this policy covers legal costs if an employee sues you for harassment, miscalculation of benefits, or illegal termination.

Hired and Non-Owned Auto

Helps protect your business if someone from your company damages something (or someone) while driving a vehicle that isn’t company-owned.

Professional Liability

If a client is harmed because of a mistake you made, this policy helps cover a settlement and other legal fees.

Liquor Liability

This policy helps pay for property damage, medical costs, and legal expenses if you ever sell too many alcoholic drinks to an already-intoxicated person who then goes on to cause harm.


Spoilage insurance covers the cost of product that goes bad because of a power outage (or other covered reason).

Equipment Breakdown

This policy covers the cost of repairing or replacing the electrical and mechanical equipment necessary to run your business and may even cover the cost for other items damaged because of your equipment malfunction.

Restaurant Endorsement

A variety of restaurant coverages rolled into one package that helps your restaurant in several unforeseen circumstances.

Employee Dishonesty

Employee dishonesty policy helps your business recover financially from direct or indirect employee theft.

The most common industries getting small business insurance in Arizona

Landscaping & Lawn Care

Landscaping & Lawn Care

Commercial Cleaning

Commercial Cleaning

Heating & Air Conditioning

Heating & Air Conditioning

Small business insurance in Arizona with Huckleberry Insurance

4 reasons why business owners in Arizona love Huckleberry

  1. It only takes 5 minutes to get covered. (A legacy insurer can take weeks getting your quote ready.)
  2. Straightforward decisions. We explain everything simply, with no unnecessary jargon.
  3. Everything’s online. No paperwork.
  4. There’s a good chance you’ll pay way less for the policies you need.

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