Independent since 2002 · 1M+ drivers served · 250+ locations across Texas, California & Arizona · Commercial coverage in Arizona
Reviewed by a licensed A-MAX insurance agent · Last updated: August 3, 2026
Business insurance in Arizona: what to know
Business insurance protects your company from the everyday risks of operating: property damage, liability claims, employee injuries, and more.
Not one policy: most businesses combine several coverages that fit their industry.
Commonly required: workers comp (for most Arizona employers with employees) and commercial auto for business vehicles.
Bonds: many trades and contracts require a surety bond.
How to start: Online quote, call 602-268-2548, or visit a Phoenix or Yuma office.
Why Arizona businesses choose A-MAX
A-MAX is an independent agency, so instead of selling one company's policy, an agent compares carriers to match your business with the right coverage at the right price. We have helped Arizona drivers and businesses find affordable coverage since 2002.
Whether you run a small shop, a contracting crew, a trucking operation, or a home-based business, an A-MAX agent can build a package that covers what matters and skips what you don't need. Quote by phone, online, or in person at a Phoenix or Yuma office.
Business coverages we offer in Arizona
- General liability. Covers third-party claims for bodily injury or property damage tied to your business.
- Commercial auto. For vehicles your business owns or uses, from a single work truck to a fleet.
- Workers compensation. Covers medical costs and lost wages if an employee is injured on the job. Required for most Arizona employers with employees.
- Business owners policy (BOP). Bundles property and liability for many small businesses.
- Commercial property. Covers your building, equipment, and inventory.
- Bonds and surety. Contract, license, and permit bonds many trades require.
Not sure what your business needs? Call 602-268-2548 or visit an office. There is no charge to compare quotes.
Arizona business insurance FAQ
Is business insurance required in Arizona?
It depends on the coverage. Arizona requires workers compensation for most employers with employees, and commercial auto liability for business vehicles. General liability is not required by law but is often required by landlords, clients, or contracts.
Do I need workers comp in Arizona?
Most Arizona employers with employees are required to carry workers compensation. An A-MAX agent can confirm whether your business qualifies and quote it.
Can A-MAX write a bond for my trade or contract?
Yes. We can help with contract, license, and permit bonds that many Arizona trades and contracts require. Bring the bond requirement and an agent will quote it.
How much does business insurance cost in Arizona?
It depends on your industry, size, payroll, vehicles, and coverage. Comparing carriers is the best way to find an affordable rate. Quote online or call 602-268-2548.
Do you offer commercial insurance in Spanish?
Yes. Our Arizona team quotes business and commercial coverage in English and Spanish.
How fast can I get a certificate of insurance?
Most certificates go out the same business day, and often within the hour, once your policy is bound. Call 602-268-2548 or stop by any Arizona office and an agent can send it straight to the party requesting it.
Helpful resources
Verify current requirements with the Arizona Department of Insurance and Financial Institutions. SR-22 filings go to the Arizona Motor Vehicle Division.
Visit our Arizona offices
Four offices, three in Phoenix and one in Yuma. Every location has at least one bilingual agent, Monday through Friday. Calling ahead at 602-268-2548 means your quote is ready when you walk in.
McDowell Rd, West Phoenix 5146 W McDowell Rd, Phoenix, AZ 85035 Mon–Fri 8:00AM–6:00PM Formerly Best Buy Insurance · MVD services on site · Driver License services on site Call 602-272-2300 Directions Office details
About this page
This page was reviewed by a licensed insurance agent on the A-MAX team. A-MAX has helped Arizona businesses and drivers find affordable coverage since 2002. Meet our team → Last updated: August 3, 2026.
Disclaimer. This page is general information about business and commercial insurance in Arizona and is not insurance advice. Coverage, limits, exclusions, and pricing vary by carrier, policy, and your business. Requirements such as workers compensation depend on your specific situation. Your A-MAX agent will confirm what a policy covers during your quote. For a binding quote, contact an A-MAX agent.