MoneyGeek analyzed insurers by considering their policy costs, financial stability, online quote process and customer satisfaction. After analyzing these factors, we determined the best insurer for general liability insurance in Arizona.

Thimble provides the best general liability insurance in Arizona, charging an average monthly cost of $65 for limited liability companies (LLCs) with 20 employees and $22 for sole proprietors with no employees. Next is the cheapest insurer, charging an average of $27 per month for LLCs and $25 per month for sole proprietors.

MoneyGeek Logo IconBest General LiabilityArizona

Best General Liability Insurance in Arizona

Why Trust MoneyGeek? We collected 1,229 general liability insurance quotes and analyzed cost information alongside customer satisfaction and financial stability reports to determine the best general liability insurance companies for small businesses in Arizona.

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Coverage costs and company information for general liability insurance providers in Arizona were last updated in 2023.

1,229Quotes Analyzed
6 Companies Compared
50 Zip Codes

Best Overall General Liability Insurance in Arizona

The best insurance company for general liability insurance in Arizona is Thimble, scoring 90 out of 100. The table below lists the scores and monthly costs of all the Arizona insurers we analyzed.

How was this MoneyGeek score calculated?

NationwideMoneyGeek Score90Monthly Cost Without Employees$35Monthly Cost With 20 Employees$37
ThimbleMoneyGeek Score90Monthly Cost Without Employees$22Monthly Cost With 20 Employees$65
NextMoneyGeek Score89Monthly Cost Without Employees$25Monthly Cost With 20 Employees$27
The HartfordMoneyGeek Score89Monthly Cost Without Employees$31Monthly Cost With 20 Employees$54
biBERKMoneyGeek Score88Monthly Cost Without Employees$23Monthly Cost With 20 EmployeesNo Data
HiscoxMoneyGeek Score85Monthly Cost Without Employees$29Monthly Cost With 20 Employees$97
Best OverallScore: 90
2/5LLC Affordability
5/5Sole Proprietor Affordability
2/5Customer Satisfaction
3/5Financial Stability
5/5Online Quote Process

Provides an online quote in a few seconds

Good scores for financial stability

Most affordable policies for sole proprietors


Receives a high number of complaints

Lower affordability score for LLCs

Company Highlights

Based on MoneyGeek’s analysis, Thimble provides the best general liability insurance in Arizona. The company offers the most affordable policy for sole proprietors, charging an average of $22 per month.

You can get an online quote for a Thimble policy in a few seconds because the insurer offers a fast online quote system. It also scored well for financial stability, which means the insurer is in good financial standing and can pay off your claims.

Cheapest General Liability Insurance in Arizona

We analyzed various insurers and found Next is the most affordable option for a general liability policy in Arizona. The company charges an average monthly cost of $27 for LLCs and $25 for sole proprietors.

Companies were ranked based on an affordability score that we calculated after combining the average monthly cost for sole proprietors and LLCs. The most affordable provider might not be affordable for both sole proprietors and LLCs.

How was this MoneyGeek score calculated?

CheapestScore: 96
5/5LLC Affordability
4/5Sole Proprietor Affordability
0/5Customer Satisfaction
2/5Financial Stability
4/5Online Quote Process

The cheapest option for LLCs among other insurers

One of the most affordable options for sole proprietors


Poor financial stability ratings

Takes more than a minute for an online quote

Company Highlights

Next is MoneyGeek’s pick for the most affordable general liability insurance in Arizona. The company offers the cheapest policy for LLCs, charging an average of $27 monthly. Although its policy for sole proprietors isn’t the cheapest, it’s still affordable.

You might have to spend some time getting an online quote with this insurer since it doesn’t rank well in that area. It also doesn’t have a high financial stability rating, which might affect your claims processing.

Best General Liability Insurance for Employers in Arizona

Nationwide stands out as the best insurance provider for employers in Arizona, earning a MoneyGeek score of 96 out of 100. Its average monthly cost for LLCs is $37.

We ranked companies after analyzing the monthly cost of insurers offering policies for LLCs with 20 employees. The number of people a business employs hugely affects policy costs. You’ll pay a lower cost if your company has fewer than 20 employees, but it will increase if the employee count exceeds that.

How was this MoneyGeek score calculated?

Best for EmployersScore: 96
4/5LLC Affordability
5/5Customer Satisfaction
4/5Financial Stability
3/5Online Quote Process

Receives fewer complaints than its competitors

Good financial stability rating

The second-cheapest policies for LLCs out of five other insurers


Slow online quotes system

Company Highlights

We determined Nationwide is the best insurance provider for employers in Arizona. The company provides excellent customer support, and we found that it receives fewer complaints than other insurers. It also has a good financial standing, which means it will pay your claims on time.

For LLCs, the company charges approximately $37 per month. This is the second-cheapest rate in the state.

Best General Liability Insurance for Sole Proprietors in Arizona

biBERK ranked as the best option for sole proprietors in our analysis. The company has an overall score of 97 out of 100 and charges an average of $23 per month for a policy.

We ranked insurers by assessing the average cost of companies offering policies for sole proprietors with no employees. Insurers consider many industries (like construction) risky to insure. Sole proprietors in these industries pay a higher cost of insurance.

How was this MoneyGeek score calculated?

Best for Sole ProprietorsScore: 97
5/5Sole Proprietor Affordability
4/5Customer Satisfaction
5/5Financial Stability
3/5Online Quote Process

High financial stability rating

Affordable policies

Receives few complaints about its service


Slow online quotes process

Company Highlights

Sole proprietors in Arizona looking for general liability coverage will benefit the most from biBerk. The company offers one of the most affordable policies. The average cost of a policy for sole proprietors is $23 per month.

biBERk’s financial stability rating shows that it can meet its ongoing financial obligations, which means your claims will be processed on time. The company receives fewer complaints than its competitors, indicating it has excellent customer support.

Do You Need General Liability Insurance in Arizona?

Based on Arizona’s law, it’s not required for businesses to have general liability insurance to operate. However, MoneyGeek recommends purchasing a business insurance policy to protect your business against the cost of various types of claims, including property damage, bodily injury and personal injury. For instance, general liability insurance will cover the cost of medical bills in case of an injury at your company.

Besides these benefits, a general liability insurance policy might also be essential when obtaining business licenses and winning contracts in some industries.

The state law mandates LLCs to have workers’ compensation insurance for their employees, regardless of the number of employees. The law also requires sole proprietors to have it if they have any employees.

Commercial vehicles in Arizona must have a policy with at least the following limits:

  • $25,000 in bodily injury liability for one person
  • $50,000 in bodily injury liability if there are two persons
  • $15,000 in property damage liability
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The Arizona Commerce Authority offers a business mentorship program called the Venture Ready Accelerator. It pairs an entrepreneur with a seasoned CEO who coaches them for 12 months to help them improve their business model. This program helps businesses identify gaps and strategic opportunities.

How Much Is General Liability Insurance in Arizona?

We found that the average monthly cost of general liability insurance in Arizona for sole proprietors is $28, while it’s $56 for LLCs.

The costs mentioned above are for a policy with a $2 million aggregate limit, a $1 million occurrence limit and a $0 deductible. A policy’s aggregate limit indicates the maximum amount the insurer will pay during a policy period. The occurrence limit tells you how much the insurer will pay for each claim. A deductible is the amount you must cover before the insurer will pay out claims.

Factors That Impact General Liability Insurance Costs in Arizona

Various factors affect the cost of general liability insurance, which is why each business pays a different cost.

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    Policy limits

    Insurers will generally charge you an expensive rate if you opt for a policy with an increased aggregate and occurrence limit. If you want to save money, you can choose lower limits, but this may mean you pay more out of pocket if you file a claim.

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    Number of employees and payroll costs

    Businesses that have a higher employee count will generally pay more for general liability insurance than those with a lower employee roster. This is evident in the $28 monthly price difference between what a sole proprietor will pay vs. an LLC owner with 20 employees.

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    Business location

    Insurers also consider your business location when determining your rate since businesses operating in a risky area are more likely to file claims. Our statewide averages might vary based on the city.

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    Claims history

    Companies that have filed claims in the past will generally pay a higher cost for a general liability policy since they are viewed as more likely to file future claims.

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    Your insurance cost also depends on your industry. For instance, if you have a construction business, insurers will consider you risky and charge higher rates. The table below shows the cost of general liability insurance in different industries.

Software DevelopmentMonthly Cost Without Employees$28Monthly Cost With 20 Employees$56
CleaningMonthly Cost Without Employees$74Monthly Cost With 20 Employees$1,486
General ContractorMonthly Cost Without Employees$172Monthly Cost With 20 Employees$2,511

Frequently Asked Questions About General Liability Insurance in Arizona

Understanding the details of general liability insurance in Arizona might be confusing. We answered some frequently asked questions to help you better understand your options.

Which company has the best general liability insurance in Arizona?
Which company has the cheapest general liability insurance in Arizona?
What does general liability insurance cover in Arizona?
Does Arizona require businesses to have general liability insurance?

About Melissa Wylie

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Melissa Wylie is the Content and SEO Manager at MoneyGeek, with nearly a decade of editorial experience and six years of work in financial content focused on small businesses. She previously held SEO positions at Bankrate and LendingTree, with bylines on ValuePenguin and MagnifyMoney.

Wylie has a journalism degree from the University of North Texas. Her strong foundation in journalism helps her craft content that simplifies complex financial topics to help everyone feel confident when making decisions with their money.