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Insurance coverage that protects your company – so you can get back to business.
We understand businesses in our community. As an independent insurance agency, we take pride in reviewing your options with multiple insurance companies and comparing protection and prices to find the best value for your business. This is why when you’re shopping for business insurance in Arizona you should call one of our licensed insurance agents to discuss your business insurance needs. Our licensed agents can help you understand the different coverage options and help you determine what insurance is right for your business.
Our commitment is to serving you
We know that in Arizona, there are as many unique insurance needs as we have neighbors who live here! To talk with one of our helpful team members about your insurance needs, contact us today.
COMMERCIAL & BUSINESS INSURANCE OPTIONS FOR YOUR BUSINESS
Types of commercial Insurance we offer:
GENERAL LIABILITY INSURANCE
Business owners can and should purchase general liability insurance to cover legal hassles due to accident, injuries and claims of negligence. These policies protect against payment due to the injured party as a result of bodily injury, property damage, medical expenses, libel, slander, the cost of defending lawsuits, and settlement bonds or judgments required during an appeal procedure. Ask an agent at Secord Insurance Agency about these coverages.
PROFESSIONAL LIABILITY INSURANCE
Business owners providing services should consider having professional liability insurance (also known as errors and omissions insurance). This type of liability coverage protects your business against malpractice, errors, and negligence in provision of services to your customers. Depending on your profession, you may be required by your state government to carry such a policy. For example, physicians are required to purchase malpractice insurance as a condition of practicing in certain states.
COMMERCIAL PROPERTY INSURANCE
Property insurance covers everything related to the loss and damage of company property due to a wide-variety of events such as fire, smoke, wind and hail storms, civil disobedience and vandalism. The definition of “property” is broad, and includes lost income, business interruption, buildings, computers, company papers and money.
COMMERCIAL AUTO INSURANCE
Commercial auto insurance can cover a combination of vehicle types (trucks, cars) and drivers, as well as some types of motorized equipment. It provides for bodily injury liability and property damage while operating a company automobile, and medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder’s car.
BUSINESS OWNERS INSURANCE
A Business Owners Policy (BOP) combines property, liability and business interruption coverage for small to medium-sized businesses. This packaged coverage is generally less expensive than when purchasing coverage separately. With a BOP you have the ability to customize the policy to meet your individual business needs.
Frequently Asked Questions about Business Insurance
What type of business insurance do you need?
The type of business insurance you need depends on what you’re doing. For instance, a web designer probably doesn’t need a commercial auto policy but does need a Professional Liability Policy. While a contractor has no need for Professional Liability but does need commercial auto. The best way to determine what coverage your specific business needs is by talking to a licensed agent.
What insurance is required to run a small business?
Owning a small business is an amazing achievement. Insuring it correctly is critically important. Your insurance needs depend on what your small business does. Some businesses can get away with minimal coverages while others need very comprehensive coverage for more complex businesses. Talk to an agent for advice on what types of coverage your business needs.
How much does business insurance cost?
The cost of business insurance varies tremendously based on what coverage you need. Professional Liability for instance may only be $150 a month while commercial truck insurance may cost upwards of $5,000 a month. The only way to know is to get a quote from a licensed insurance agent.