Nationwide is the top contender for Arizona’s best general liability insurance in MoneyGeek’s analysis with a score of 95 out of 100. However, The Hartford, NEXT, Thimble, and Hiscox are also great options for general liability policies.
Best General Liability Insurance in Arizona
Updated: June 20, 2025
Advertising & Editorial Disclosure
Key Takeaways
Overall, the best general liability insurance company in Arizona is Nationwide, which has a great balance of affordable rates for LLCs and good customer service.
The cheapest general liability insurance for sole proprietors in Arizona is offered by NEXT at $27 per month. For LLCs, NEXT is the most affordable option at $29 a month.
General liability insurance costs in Arizona depend on your industry, and we found they can range from $30 to $2,712 per month on average.
Best Cheap General Liability Insurance in Arizona
| Nationwide | 95 | $38 | $40 |
| The Hartford | 91 | $34 | $59 |
| NEXT | 90 | $27 | $29 |
| Thimble | 85 | $33 | $80 |
| Hiscox | 83 | $32 | $104 |
*Rates were based on a $1,000,000 per occurrence and $2,000,000 aggregate limit for a software development company.
Nationwide: Best Overall
pros
Low rates for LLC businesses
Large coverage selection
Low customer claims frequency
cons
Higher rates for sole proprietors
COMPANY HIGHLIGHTS
Nationwide is best for general liability coverage thanks to its outstanding blend of reasonable costs and reliable customer care. Tied for the top spot with minimal claims ratios per NAIC statistics and achieving 2nd rank for LLC cost savings, businesses typically invest $480 annually for comprehensive protection.
NEXT: Cheapest Overall
pros
Easy fast buying process
Very cheap rates overall, regardless of business size
Business-insurance-only focus
cons
Higher customer complaint frequency
COMPANY HIGHLIGHTS
Our Arizona selection for most affordable general liability insurance is NEXT. With sole proprietorships enjoying $27 monthly rates and limited liability companies at $29 per month, it's cheapest regardless of business size. Although the company's claims performance trails other Arizona providers in our analysis, NEXT excels with its efficient online platform and instant insurance documentation.
How Much Is General Liability Insurance in Arizona?
An average general liability insurance policy in the Grand Canyon State typically costs around $30 per month for sole proprietors and $60 per month for LLCs. However, this only represents software development companies and the costs can vary widely by industry.
| Cleaning | $1,605 | $79 |
| General Contractor | $2,712 | $186 |
| Software Development | $60 | $30 |
*Rates are based on a $1,000,000 per occurrence and $2,000,000 aggregate coverage policy for general liability.
Factors That Impact General Liability Insurance Costs in Arizona
General liability insurance costs can fluctuate based on a number of different factors in Arizona. In the list below, you can see these factors and their impacts on your coverage costs:
Policy limits
Coverage limits can greatly influence insurance premiums. Opting for higher limits leads to increased costs, whereas selecting lower limits generally results in more affordable premiums.
Number of employees and payroll costs
Businesses with a large workforce and substantial payroll expenses often experience higher general liability insurance costs. This correlation is evident from our study of LLCs and sole proprietorships.
Business location
Your business's location plays a significant role in determining insurance costs. Keep in mind that state-level average rates can differ between cities, so it's important to consider these variations when assessing your coverage needs.
Claims history
A history of numerous claims can portray a business as riskier to insurers, leading to elevated premiums.
Industry
Industries with higher risk levels, like construction, typically incur greater general liability insurance costs.
Arizona General Liability Insurance: Buyer's Guide
Business insurance is a complicated industry and can be difficult to navigate. So, to simplify your understanding of general liability insurance, we've created a short guide detailing how to get the best coverage, defining what it covers, listing requirements in Arizona, and explaining how much coverage you should consider getting.
How to Find the Best General Liability Insurance Company
To help ensure that you get the best small business insurance regardless of your industry, we've created a step-by-step guide to simplify your coverage search.
- 1
Define your coverage needs
Find out your liability risk by considering your industry, products or services, customer types, business size and market impact. To evaluate coverage options better, measure the frequency and costs of common claims in your industry.
- 2
Research average costs for your business
To understand how good of a deal you're getting from business insurance companies, you need to research average costs for your particular business. Knowing average expenses will give you a way to judge whether a company is saving you money or not.
- 3
Consult similar businesses
Your business community is your greatest resource, and personal experience is often more valuable than resources online. You'll likely be able to get recommendations that are better for your specific needs and an understanding of what claims are common within your industry.
- 4
Compare multiple options through different means
Comparing multiple companies and choosing multiple means of comparison, like online comparison sites and brokers, will give you an idea of pricing and provide more opportunities to get advice.
What Does General Liability Insurance Cover and How Does It Work?
General liability insurance coverage consists of two parts: per occurrence and aggregate limits. Per occurrence refers to the maximum a single claim can go up to, while the aggregate limit is the total coverage you can get per year. In terms of covered items, this type of policy includes the following:
Bodily injuries or property damage on business property
Legal fees for bodily injury or property damage that your company may be responsible for
Damages to leased or rented business property
Bodily injury or property damage caused by your product or service
Libel, slander, or reputational harm legal defense
Legal fees for copyright infringement accusations
Is General Liability Insurance Required in Arizona?
Like in most states, general liability insurance isn't expressly required by state law and instead varies by your industry. However, if you are looking to apply for a professional license, sign a contract with a larger company, or sign an office lease, some form of general liability insurance may be required. While not an exhaustive list, the following industries tend to fall into these categories:
- Medical
- Accounting
- Real estate
- Insurance
- Contracting
- Engineering
- Marketing
- Law
- Consulting
- Media/Communications
How Much General Liability Insurance Do I Need?
Most small businesses will only need a standard policy with 1 million dollars of protection per occurrence and a 2 million limit per year. This will likely cover most or all damages caused over a year for most business types. Even so, your particular industry's risks and the size of your operation may require a larger coverage limit than standard.
WHO MAY NEED MORE COVERAGE
Protecting your business is important. Companies in fields like health services, building, or selling goods, or for those that serve food and drinks, often see the biggest insurance claims. So, if your business is part of these groups, consider more coverage. This is also true for small businesses that have lots of workers or sell products far and wide.
Best General Liability Insurance in Arizona: Bottom Line
Overall the best general liability insurance companies in Arizona are Nationwide, The Hartford, and NEXT. Nationwide stands out with a 95 MoneyGeek Score and a $38 monthly premium for sole proprietors, while NEXT ranks first in affordability for LLCs. However, we recommend comparing around yourself and getting plenty of quotes to ensure you get the best deal possible.
General Liability Insurance in Arizona: FAQ
Below, we address frequently asked questions regarding general liability insurance in Arizona:
Which company has the best general liability insurance in Arizona?
MoneyGeek's leading choice for general liability insurance in Arizona is Nationwide, which earned an overall score of 95 out of 100. However, the ideal insurance for you depends on various details, including your business size, number of employees, and specific coverage requirements.
Which company has the cheapest general liability insurance in Arizona?
NEXT offers the most affordable general liability insurance in Arizona. For sole proprietors, NEXT costs $27 per month ($324 annually). For LLCs, NEXT is also cheapest at $29 per month ($348 annually).
Does Arizona require businesses to have general liability insurance?
No, Arizona does not require businesses to possess general liability insurance; however, protecting your enterprise from potential financial risks due to third-party claims is prudent.
How We Chose the Best General Liability Insurance Providers in Arizona
We broke down our scores into these categories and weights:
- LLC cost (55% of score)
- Sole proprietor cost (5% of score)
- Customer satisfaction (25% of score)
- Financial strength (10% of score)
- Quote process time (5% of score)
For all business insurance companies, we assumed software development industry LLCs with 20 employees. We based customer satisfaction and financial strength scores on NAIC and AM Best ratings. Quote process scores came from our MoneyGeek experts' personal experiences.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.