Commercial Insurance in Arizona

Business owners in Arizona and other states require having a commercial insurance policy for their businesses. There is a broad range of policies a business can get. Alliance Insurance Partners provides comprehensive commercial insurance for business owners in Scottsdale, AZ, and over 28 other states.

In many states, a business has to have commercial insurance as it is a requirement by the law. The policies come in many types, and the owner decides on which policy is the best based on the size of the business. Some of the aspects covered by the business insurance policy include:

Bodily injury

This coverage provides protection against any physical damage that occurs inside the business premises to any visitor. It also caters for any damages caused by employees or the business owner.

Personal injury

This includes slander, privacy invasion, libel, copyright infringement, wrongful eviction, or false arrest. These are some of the acts that can damage the business owner's reputation, and thus this policy caters for such situation.

Property damage

This coverage extends to any property damage caused by disasters like burglary, fire, and others. It also pays for damage caused by the business employees.

Advertising injury

This policy protects the business from any damages caused to the firm by advertising activities.

Legal defense

This coverage protects the business from lawsuits and judgments, but it does not extend to the punitive damages caused by negligence and willful misconduct.

Even with the above policies, business owners are advised to get additional protection which includes:

• Product liability
• Business owner package
• Errors and omissions
• Workers compensation coverage
• Short-term disability insurance
• Product liability
• Commercial property insurance

These policies will offer the business additional protection in areas that are not covered by the primary coverage.

Before getting a commercial insurance policy, the business has to be evaluated to determine its needs. Many factors will be considered to determine the premiums. The business owner will determine his/her objectives and the type of coverage that is optimal for the firm.

Business owners from Scottsdale, AZ and across the U.S. can get a comprehensive commercial insurance policy from Alliance Insurance Partners. We also advise business owners near Arizona on the best policies for their businesses. Reach out to our agents to learn more.