Whether you are just starting out or preparing to expand your business into a new area, having the right insurance helps safeguard your plans for the future. At All Arizona Insurance, we help business owners in the greater Scottsdale area find coverage for nearly any risk – all while shopping and comparing rates from several of the state’s leading insurance providers.
General Business Insurance
Many businesses fall into a ‘general risk’ category. A shoe store, for example, is likely to have similar coverage needs as a children’s clothing store. Our goal is to provide comprehensive protection for your business that includes coverage for:
Coverage for the structure of your business, the furnishings, your inventory, and more
Business Interruption Insurance
Helps compensate for lost income when you are forced to close temporarily due to a covered event
General Liability Insurance
Covers the cost of defending your business against litigation, as well as any judgments or settlements when your business is found negligent of a third-party’s injuries or losses.
Workers Compensation Insurance
Compensates employees for necessary medical bills and lost wages when they are injured on the job, regardless of fault
Commercial Vehicle Insurance
Covers your work vehicles when they are damaged in an accident, as well as any liability that occurs as a result of that accident (up to the limits of your policy)
Employment Practices Liability Insurance
Protects your business against financial responsibility and defense costs related to claims of wrongful employment practices
Commercial Umbrella Insurance
Provides excess liability protection that pays benefits when you exhaust the limits on your primary liability coverage.
Surety bonds are purchased by principals to protect third-parties from a failure to meet contractual obligations. There are 4 main types of surety bonds. Contract surety bonds and commercial surety bonds protect private and public interests and are the most common. Fidelity surety bonds and court surety bonds protect against theft and litigation and are less common.
There are certain risks that are common to nearly all businesses. For the sake of simplicity and affordability, many business owners opt to purchase a Business Owners Policy, which is also known as BOP insurance. This type of policy combines property damage, general liability, and certain other coverages into one policy – often at a more affordable rate than would be available when purchasing these coverages independently. If you have a small to moderate-size business with a typically risk profile, talk to an agent to find out if BOP insurance could be right for you.
Insurance for Specialty Businesses
The types of risks you face as a business owner is largely dependent upon your industry. The more unique your services are, the more likely it is that you may need customized coverage that fits your niche. At All Arizona Insurance, we can cater to several different specialty industries with coverage that is custom-tailored for the needs of the business. Examples include:
Insurance for the Human Services Industry
Whether you run a for-profit or non-profit organization, serving others comes with certain risks. While you spend your days taking care of people in need, we take care of you with property insurance, general liability protection, professional liability coverage, crime insurance, workers compensation, umbrella insurance, and more. We can serve a wide range of human services organizations and businesses, including:
- In-home caretakers
- Drug rehabilitation centers
- Adult and child daycare services
- Group homes
- And more
Insurance for Wood Manufacturers
Do you have a knack for mill work? Do you spend your days sawing, sanding, and staining? Does your business operate heavy machinery? If so, your job comes with unique safety hazards in addition to the usual risks of running a business. At All Arizona Insurance, we can help you find coverage for workers compensation, property damage, general liability, product liability, commercial vehicles, and more. This is typically recommended for:
- Millworkers (trim, doors, etc.)
- Truss manufacturers
Insurance for Security Companies
When other businesses need to beef up their security, they call on your team to help out. Whether you provide armed or non-armed security services, there is a lot of risk and responsibility riding on the shoulders of your business and your workers. Whether a business is robbed when one of your guards fails to show up for a shift or your office is destroyed in a fire, we can build a policy that fits your needs with coverage for professional liability, general liability, property damage, commercial vehicles, and more.
Insurance for Arborists
Arborists, landscapers, and tree-trimmers can transform an outdoor space, but they can also face dangerous hazards on the job. All it takes is one falling branch to permanently disable a worker or worse. Not to mention, there is always the risk of making a professional error that leads to third-party property damages or injuries. At All-Arizona Insurance, we can help you get arborist insurance that covers your equipment, tools, workplace injuries, commercial vehicles, and more.
Insurance for Health and Fitness Clubs
Even if all your clients sign waivers when joining your gym, there are still risks you face as the owner of a health and fitness center. We can help you get coverage that extends to the structure of your club, the equipment inside it, and the accidental injuries and other losses that happen on your premises. We can also help you find coverage that protects your workers against injuries and protects your business against financial liability related to professional and employment errors.
Scottsdale Business Insurance Quotes
If you own a business in the greater Scottsdale, chances are we can help you get the commercial coverage you need to minimize your risks and protect your bottom line. To find out more about Arizona business insurance or to request your quotes, contact our office today.