Best General Liability Insurance in Arizona (2025)

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.

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.

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.

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.

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.

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

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.

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

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.