We researched general liability insurance options to bring you the best business insurance coverage for Arizona businesses and compiled answers to common questions based on our analysis:
Best General Liability Insurance in Arizona
The Hartford leads Arizona general liability insurance, while NEXT offers the lowest rates starting at $83 per month.
Get matched to the best and cheapest general liability insurer for you below.
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Updated: November 20, 2025
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Commercial General Liability Insurance in Arizona: Fast Answers
Which company offers the best general liability insurance in Arizona?
The Hartford ranks as the best general liability insurance company in Arizona with a 4.59 overall score, offering reliable coverage and strong claims handling at $86 per month. NEXT follows closely with a 4.56 rating, providing affordable rates at $83 per month and a solid digital experience for small businesses.
Who offers the cheapest general liability insurance in Arizona?
The cheapest general liability insurance companies in Arizona are:
- NEXT: $83 per month
- The Hartford: $86 per month
- Simply Business: $91 per month
- Nationwide: $92 per month
- Progressive: $95 per month
Do Arizona businesses legally need general liability insurance?
Arizona doesn't legally require most businesses to carry general liability insurance at the state level. However, certain licensed professionals like contractors and electricians must maintain specific coverage amounts. Local cities and counties may have their own requirements, and most landlords and clients demand proof of insurance before signing contracts.
How much does general liability insurance cost in Arizona?
General liability insurance costs between $16 and $867 per month for small Arizona businesses with two employees. The drone industry often sees the lowest rates at $16 per month, while pressure washing businesses tend to pay the highest at $867 per month. Your actual premium depends on your industry, location, coverage limits and business size.
Best General Liability Insurance Companies in Arizona
The Hartford leads our rankings for general liability insurance in Arizona, offering a solid balance of affordable rates and quality customer service. NEXT earns high marks for top-tier customer service and strong coverage options, while Nationwide provides reliable stability and competitive pricing for small businesses across Arizona.
| The Hartford | 4.59 | $86 |
| NEXT Insurance | 4.56 | $83 |
| Nationwide | 4.53 | $92 |
| Simply Business | 4.49 | $91 |
| Thimble | 4.40 | $102 |
| Coverdash | 4.37 | $98 |
| Progressive Commercial | 4.28 | $95 |
| biBERK | 4.28 | $109 |
| Chubb | 4.25 | $113 |
| Hiscox | 4.18 | $109 |
How Did We Determine These Rates?
These rates reflect MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
Get Matched to the Best Cheap Arizona General Liability Insurer
Select your industry and state to get a customized Arizona general liability insurance quote.
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LEARN MORE ABOUT THE BEST BUSINESS INSURANCE IN ARIZONA
General liability insurance protects your Arizona business from customer injuries and property damage claims, but it doesn’t cover every risk. Explore these additional coverage options for broader financial protection:
Best Arizona General Liability Insurance Reviews
Finding the best general liability insurance in Arizona requires looking beyond cost alone. Our analysis of top business insurers considers coverage quality and customer service to help you make the right choice.
The Hartford
Best Arizona General Liability Insurer
MoneyGeek Rating
4.6/ 5
4.5/5Affordability
4.6/5Customer Experience
4.7/5Coverage Points
Average Monthly General Liability Premium
$86These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Our Survey: Claims Process
4.5/5Our Survey: Likely to Be Recommended to Others
4.5/5
NEXT
Best Commercial General Liability: Runner-Up
MoneyGeek Rating
4.6/ 5
4.3/5Affordability
4.7/5Customer Experience
4.8/5Coverage Points
Average Monthly General Liability Premium
$83These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Our Survey: Claims Process
3.9/5Our Survey: Likely to Be Recommended to Others
4.8/5
Cheapest General Liability Insurance Companies in Arizona
NEXT offers the most affordable general liability insurance in Arizona at $83 per month, saving businesses $14 or 14% compared to the state average. The Hartford and Simply Business also provide competitive rates for cost-conscious Arizona businesses.
| NEXT Insurance | $83 | $1,000 |
| The Hartford | $86 | $1,027 |
| Simply Business | $91 | $1,093 |
| Nationwide | $92 | $1,108 |
| Progressive Commercial | $95 | $1,142 |
| Coverdash | $98 | $1,181 |
| Thimble | $102 | $1,226 |
| Hiscox | $109 | $1,304 |
| biBERK | $109 | $1,305 |
| Chubb | $113 | $1,357 |
How Did We Determine These Rates?
These rates reflect small businesses with two employees across 79 major industries and focus solely on general liability policies. Your premium depends on where your business is located, what industry you're in, how much coverage you choose and other factors insurers consider. Available options differ by state.
Cheapest General Liability Insurance in Arizona by Industry
MoneyGeek's research identifies the cheapest general liability insurance providers across Arizona industries.
- NEXT dominates affordability in 34 industries, leading in construction, tech, manufacturing, consulting and cleaning sectors.
- Thimble offers the lowest rates in 11 industries, excelling with construction, HVAC, roofing and computer programming businesses.
- Simply Business ranks cheapest for nine industries, with strong pricing for professional services like accountants, lawyers and ecommerce companies.
- The Hartford provides affordable coverage across 8 industries, showing strength in food service, trucking and spa businesses.
- biBerk rounds out the top five with competitive rates in seven industries, specializing in catering, contracting, engineering and veterinary services.
Data filtered by:
Select
| Accountants | Simply Business | $14 | $164 |
| Auto Repair | NEXT Insurance | $99 | $1,190 |
| Ad Agency | Thimble | $95 | $1,138 |
| Automotive | Coverdash | $105 | $1,262 |
| Barber | Thimble | $94 | $1,126 |
| Bakery | Progressive Commercial | $84 | $1,013 |
| Candle | Simply Business | $92 | $1,100 |
| Beauty Salon | Progressive Commercial | $107 | $1,287 |
| Bounce House | NEXT Insurance | $54 | $652 |
| Catering | biBERK | $162 | $1,949 |
| Cannabis | NEXT Insurance | $44 | $531 |
| Computer Programming | Thimble | $94 | $1,126 |
| Cleaning | NEXT Insurance | $83 | $1,001 |
| Coffee Shop | Thimble | $89 | $1,068 |
| Contractor | biBERK | $195 | $2,337 |
| Computer Repair | NEXT Insurance | $30 | $365 |
| Construction | Thimble | $127 | $1,524 |
| Consulting | NEXT Insurance | $13 | $161 |
| Courier | NEXT Insurance | $139 | $1,672 |
| Dental | NEXT Insurance | $10 | $122 |
| Daycare | NEXT Insurance | $21 | $258 |
| DJ | NEXT Insurance | $9 | $112 |
| Ecommerce | Simply Business | $92 | $1,100 |
| Dog Grooming | Thimble | $34 | $411 |
| Drone | NEXT Insurance | $13 | $153 |
| Excavation | NEXT Insurance | $302 | $3,629 |
| Electrical | NEXT Insurance | $87 | $1,046 |
| Engineering | biBERK | $16 | $192 |
| Florist | NEXT Insurance | $29 | $346 |
| Food | The Hartford | $85 | $1,023 |
| Gardening | The Hartford | $86 | $1,028 |
| Food Truck | The Hartford | $116 | $1,389 |
| Funeral Home | NEXT Insurance | $36 | $430 |
| Handyman | biBERK | $167 | $1,999 |
| Home-based | NEXT Insurance | $37 | $447 |
| Home-based | Simply Business | $17 | $201 |
| Hospitality | biBERK | $134 | $1,603 |
| Janitorial | NEXT Insurance | $90 | $1,079 |
| HVAC | Thimble | $103 | $1,232 |
| Jewelry | Thimble | $156 | $1,876 |
| Lawyers | Simply Business | $14 | $164 |
| Junk Removal | NEXT Insurance | $106 | $1,271 |
| Lawn/Landscaping | Progressive Commercial | $91 | $1,090 |
| Manufacturing | NEXT Insurance | $17 | $204 |
| Marine | NEXT Insurance | $20 | $235 |
| Mortgage Broker | NEXT Insurance | $13 | $153 |
| Massage | Hiscox | $88 | $1,053 |
| Moving | The Hartford | $100 | $1,199 |
| Nonprofit | NEXT Insurance | $24 | $291 |
| Party Rental | Chubb | $91 | $1,087 |
| Painting | The Hartford | $116 | $1,387 |
| Personal Training | NEXT Insurance | $16 | $187 |
| Pharmacy | biBERK | $96 | $1,155 |
| Pest Control | NEXT Insurance | $21 | $253 |
| Pet | Thimble | $34 | $411 |
| Physical Therapy | NEXT Insurance | $19 | $225 |
| Photography | NEXT Insurance | $11 | $130 |
| Plumbing | Simply Business | $258 | $3,097 |
| Retail | Progressive Commercial | $87 | $1,047 |
| Pressure Washing | Progressive Commercial | $846 | $10,150 |
| Real Estate | Nationwide | $114 | $1,373 |
| Restaurant | Coverdash | $94 | $1,133 |
| Security | NEXT Insurance | $92 | $1,106 |
| Roofing | Thimble | $198 | $2,370 |
| Software | NEXT Insurance | $13 | $153 |
| Snack Bars | The Hartford | $94 | $1,124 |
| Spa/Wellness | The Hartford | $86 | $1,030 |
| Speech Therapist | Simply Business | $19 | $228 |
| Speech Therapist | Nationwide | $19 | $228 |
| Startup | Simply Business | $14 | $164 |
| Transportation | NEXT Insurance | $26 | $314 |
| Tech/IT | NEXT Insurance | $13 | $153 |
| Travel | NEXT Insurance | $13 | $153 |
| Tree Service | NEXT Insurance | $85 | $1,019 |
| Trucking | The Hartford | $84 | $1,012 |
| Veterinary | biBERK | $24 | $284 |
| Tutoring | Thimble | $94 | $1,126 |
| Wedding Planning | NEXT Insurance | $10 | $117 |
| Window Cleaning | Simply Business | $128 | $1,533 |
| Welding | NEXT Insurance | $112 | $1,348 |
| Wholesale | Coverdash | $32 | $386 |
Average Cost of General Liability Insurance in Arizona
Most small businesses in Arizona pay around $97 monthly for general liability insurance. The average cost of general liability coverage depends on your industry, business size, location and coverage limits. Manufacturing companies often pay higher premiums because of increased risk exposure, while accounting firms usually see lower costs due to reduced liability risks. Sole proprietors generally pay lower rates compared to businesses with employees since they have fewer liability exposures.
Average Cost of General Liability Insurance in Arizona by Industry
General liability insurance costs in Arizona range from $16 monthly for drone businesses to $867 for pressure washing companies. These rates vary based on your industry's risk level. Review this table to find affordable general liability coverage options for your specific business type.
Data filtered by:
Select
| Accountants | $21 | $252 |
| Ad Agency | $33 | $401 |
| Automotive | $51 | $612 |
| Auto Repair | $145 | $1,737 |
| Bakery | $85 | $1,024 |
| Barber | $42 | $508 |
| Beauty Salon | $64 | $764 |
| Bounce House | $67 | $801 |
| Candle | $52 | $629 |
| Cannabis | $64 | $766 |
| Catering | $84 | $1,004 |
| Cleaning | $126 | $1,515 |
| Coffee Shop | $85 | $1,016 |
| Computer Programming | $28 | $333 |
| Computer Repair | $45 | $544 |
| Construction | $165 | $1,980 |
| Consulting | $21 | $251 |
| Contractor | $242 | $2,903 |
| Courier | $186 | $2,233 |
| Daycare | $31 | $376 |
| Dental | $21 | $246 |
| DJ | $24 | $291 |
| Dog Grooming | $60 | $724 |
| Drone | $16 | $190 |
| Ecommerce | $70 | $837 |
| Electrical | $107 | $1,282 |
| Engineering | $38 | $452 |
| Excavation | $444 | $5,332 |
| Florist | $41 | $490 |
| Food | $101 | $1,217 |
| Food Truck | $136 | $1,627 |
| Funeral Home | $58 | $691 |
| Gardening | $107 | $1,289 |
| Handyman | $229 | $2,751 |
| Home-based | $23 | $275 |
| Home-based | $37 | $447 |
| Hospitality | $62 | $745 |
| HVAC | $233 | $2,794 |
| Janitorial | $131 | $1,568 |
| Jewelry | $38 | $461 |
| Junk Removal | $155 | $1,857 |
| Lawn/Landscaping | $113 | $1,358 |
| Lawyers | $22 | $260 |
| Manufacturing | $61 | $733 |
| Marine | $27 | $320 |
| Massage | $91 | $1,096 |
| Mortgage Broker | $22 | $262 |
| Moving | $118 | $1,418 |
| Nonprofit | $34 | $410 |
| Painting | $137 | $1,639 |
| Party Rental | $76 | $908 |
| Personal Training | $23 | $273 |
| Pest Control | $31 | $369 |
| Pet | $53 | $639 |
| Pharmacy | $59 | $707 |
| Photography | $23 | $277 |
| Physical Therapy | $105 | $1,265 |
| Plumbing | $341 | $4,098 |
| Pressure Washing | $867 | $10,407 |
| Real Estate | $51 | $611 |
| Restaurant | $137 | $1,649 |
| Retail | $62 | $748 |
| Roofing | $370 | $4,445 |
| Security | $133 | $1,590 |
| Snack Bars | $111 | $1,329 |
| Software | $25 | $301 |
| Spa/Wellness | $102 | $1,220 |
| Speech Therapist | $29 | $353 |
| Startup | $27 | $322 |
| Tech/IT | $25 | $302 |
| Transportation | $36 | $430 |
| Travel | $20 | $239 |
| Tree Service | $124 | $1,484 |
| Trucking | $98 | $1,173 |
| Tutoring | $29 | $347 |
| Veterinary | $43 | $510 |
| Wedding Planning | $26 | $318 |
| Welding | $157 | $1,885 |
| Wholesale | $42 | $508 |
| Window Cleaning | $149 | $1,794 |
How Did We Determine These Rates?
These rates reflect small businesses with two employees across 79 major industries and focus solely on general liability policies. Your premium depends on where your business is located, what industry you're in, how much coverage you choose and other factors insurers consider. Available options differ by state.
What Factors Affect Arizona General Liability Insurance Costs?
Many factors influence how much Arizona businesses pay for general liability insurance coverage.
Arizona's Litigious Legal Environment
Arizona’s legal environment has grown more challenging for small businesses. Lawsuits for personal injury and property damage continue to rise, leading insurers to spend more on settlements and legal defense.
Those higher costs show up in your premiums, even if you’ve never filed a claim. Insurers now price policies with the expectation of larger jury awards and more frequent lawsuits, which pushes rates higher for many Arizona businesses.
Arizona's Pure Comparative Fault System
Arizona law creates unlimited liability exposure for your business. Unlike states that cap injury damages at $250,000 or $500,000, Arizona sets no limits on what juries can award for medical costs, lost wages, or pain and suffering. Your business can be held liable for its share of damages even when you're only 10% at fault.
This shared liability system encourages more claims to proceed since injured parties can recover compensation regardless of their own responsibility. Insurers must price general liability policies for worst-case scenarios without damage caps protecting your business.
Arizona's Extreme Weather and Natural Disaster Exposure
Monsoon season brings liability risks to your Arizona business. Summer storms with high winds and hail damage neighboring properties, and your general liability policy covers those claims. Wildfires create smoke damage liability, while extreme weather increases slip-and-fall incidents from wet floors and hazardous conditions on your property. Heat-related customer injuries add another layer of exposure.
Insurers are repricing Arizona coverage based on these escalating climate risks. The state's unpredictable weather patterns often result in higher premiums, regardless of your specific location.
Arizona's Industrial and Construction Boom
Arizona’s construction boom plays a major role in general liability rates. The state added 217,100 construction workers in 2024 and now has $26.4 billion in active projects, including large semiconductor facilities and new data centers. Phoenix alone delivered 34.8 million square feet of industrial space last year.
Construction businesses pay higher premiums because of injury risks and property damage exposures, and this level of activity influences rates for businesses across the state. Companies operating near construction zones also take on added risks from debris, traffic disruptions and nearby structural work, all of which insurers consider when setting premiums.
Arizona's Rapid Population Growth
More people moving to Arizona means more liability exposure for your business. The state added jobs steadily, reaching 3.28 million employed workers in 2024, with major employers like TSMC bringing 60 supporting companies and thousands of workers from California and Texas.
Higher foot traffic in your retail store, restaurant or office multiplies slip-and-fall risks and customer injury claims. New Arizona residents who aren’t used to extreme heat and monsoon conditions may have a higher risk of injury when visiting your business. Insurers analyze these population trends when setting your rates because more people statistically generates more claims.
How Much General Liability Insurance Do I Need in Arizona?
Arizona requires general liability insurance for licensed contractors including electricians, HVAC specialists, electrical sign contractors and general contractors. The Arizona Registrar of Contractors mandates this coverage for licensing but doesn't specify minimum dollar amounts in state law.
Your actual coverage needs depend on your clients, contracts and landlords. Most set commercial general liability requirements at $1 million per occurrence and $2 million aggregate as standard contract terms. This protection level satisfies typical commercial requirements and shields your business from lawsuit costs, even though Arizona law doesn't mandate specific amounts.
Note: State insurance rules change regularly. Check with the Arizona Department of Insurance and Financial Institutions or a licensed agent for the latest requirements before purchasing coverage.
How to Choose the Best General Liability Insurance in Arizona
Choose general liability insurance in Arizona by evaluating your coverage needs, budget and risk exposure when getting business insurance for your small business.
- 1Determine Coverage Needs
Arizona doesn't require specific general liability insurance dollar amounts by law, though the Arizona Registrar of Contractors requires proof of workers' compensation if you have employees.
Most commercial clients and landlords require $1 million per occurrence and $2 million aggregate before they'll sign contracts or lease agreements. Review your industry's typical contract requirements and the level of business insurance coverage your clients expect so you can determine the minimums your Arizona business needs to stay competitive.
- 2Prepare Business Information
Gather the information Arizona insurers need to quote your policy: annual revenue, employee count, business location and classification code. Arizona's extreme weather, like monsoons, dust storms and wildfires, affects pricing differently in Phoenix versus Tucson, so your location matters. Have your EIN, business registration and any required licenses ready to speed up the process and get accurate rates.
- 3Compare Multiple Quotes
Get quotes from at least three Arizona-licensed insurers since annual premiums can differ by hundreds of dollars for identical coverage. Look at business insurance costs, deductibles, coverage limits and whether defense costs count toward your policy limit or sit outside it. This comparison helps you find the sweet spot between affordable premiums and solid financial protection for your business.
- 4Look Beyond Price
Don't choose cheap business insurance based only on the premium you'll pay each month. Read through policy exclusions and confirm whether legal defense expenses eat into your coverage limit or add on top of it. Professional errors, pollution claims and employee injuries need separate policies, so make sure you understand what your general liability policy actually covers.
- 5Verify Insurer Credibility
Check that insurers hold valid licenses through the Arizona Department of Insurance and Financial Institutions, then review their AM Best ratings for financial strength. Look up complaint ratios and customer reviews to avoid carriers known for dragging out claims in Arizona. Strong financials matter when your business is hit with a large liability claim, so choose the best business insurance companies with proven track records.
- 6Ask About Discounts
Arizona insurers offer discounts when you bundle policies, maintain a claims-free record, run safety programs or pay your premium annually instead of monthly. Pairing general liability with commercial property or workers' compensation can cut your costs by 10% to 25%. Safety training and risk management systems can lower your premiums further by showing insurers you take risk reduction seriously.
- 7Obtain Certificate of Insurance
Arizona clients, landlords and contractors need certificates of insurance before they'll let you start work or sign lease paperwork. Many insurers send digital certificates instantly through their online portals, though some take up to 48 hours. Keep your agent's contact information handy for urgent certificate requests when you're bidding on time-sensitive Arizona projects.
- 8Review Coverage Annually
Reassess your coverage each year after you hire employees, expand your services or grow your revenue in Arizona's economy. Request fresh quotes 60 to 90 days before your policy renews so you can compare rates and adjust your limits based on how your business has changed. Annual reviews help you avoid gaps in coverage and prevent surprise premium adjustments that spike your costs later.
Top General Liability Insurance in Arizona: Bottom Line
Finding the right general liability insurance in Arizona starts with understanding your specific business needs and comparing providers carefully. The Hartford, NEXT and Nationwide represent strong options in the market, but your best choice depends on your industry type, business size and budget constraints. Compare quotes from multiple insurers and verify their licensing credentials before making your final decision.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Arizona Constitution. "Article 2 Section 31 - Damages for Death or Personal Injuries." Accessed December 20, 2025.
- Arizona Department of Insurance and Financial Institutions. "Homeowners Insurance Landing Page." Accessed December 20, 2025.
- Arizona Revised Statutes. "12-2505 - Comparative Negligence; Definition." Accessed December 20, 2025.
- NOAA National Centers for Environmental Information. "Arizona - State Climate Summaries 2022." Accessed December 20, 2025.
- U.S. Bureau of Labor Statistics. "Arizona: Western Information Office." Accessed December 20, 2025.