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Why Do I need Business Insurance?

Business insurance should be purchased to cover your business against claims and lawsuits, which can be costly and time-consuming. However, business insurance can be very confusing, as it varies greatly by the type of business you own.  Do you need Workers comp, Garage Keepers, Liquor Liability and many more!

The Insurance Team specializes in many various types of business insurance in Arizona. We will create you an insurance program to fit your specific needs to your business.  As a small business ourselves, we understand the sacrifices you make, and we want to make sure you are fully protected.

Business Insurance

What is covered on a Business Insurance Policy?

There are different types of coverage for a business based on the needs of the business and the specific risks of the business. Below is a list of types of Business Insurance policies and coverages that your business may need.

Business Owners Policies

If you own a business, you may need an all-encompassing policy to cover your business.  These are package policies that cover your building whether you own or rent a building, includes general liability, equipment coverages and more.

General Liability

If you have a business that doesn’t include property, then a General Liability policy may be best type of policy for you. If your business owns tools, we can add tool coverage to a GL policy also.

Business Auto

Whether you own, rent, lease, or borrow one vehicle or a Fleet of vehicles, we offer policies that will protect your businesses auto insurance needs, including hired and non-owned autos.

Workers Comp

We can protect your business and your employees in case they get injured on the job. Workers comp can provide coverage in the case of injuries or death.  Many insurance carriers also offer training on how to avoid workplace accidents, which can help keep your premiums lower.

Commercial Umbrellas

Your Business policy or commercial auto policy may NOT provide you enough protection for specific risks that are associated with your business. In these cases, you can add extra liability coverage in a form of an umbrella policy to provide you even more protection.

Errors and Omissions

We all make mistakes; E&O coverage is a specialty coverage that covers claims that arise out of your professional services, including acts, the failure to act and negligence. E&O will pay for legal fees and will pay for damages if you are found to be at fault for your client’s loss or injury.

Liquor Liability

If you own a bar and/or a restaurant, you can be sued for over serving patrons who get in car accidents. We can provide you with liquor liability to help protect you against these types of situations.


We offer many various types of bonds, from Tax, Vehicle, Notary, Contracting and many more types of bond coverage.

Special Events/one day policies

If you are having a one-day event, BBQ, festival etc., we can provide you with a policy that has liability coverage for only one day or for multiple days.

Equipment Breakdown

If your business owns equipment, we can provide coverages for your equipment breakdown and help get you operating at full strength.

Employment Practices Liability 

If you have employees and they file a lawsuit against you, we can provide coverage for employment practices. EPLI coverage protects you from lawsuits stemming from claims made by employees for Discrimination (age, sex, race, disability) harassment or wrongful termination.

Cyber Liability

If you work online, have a credit card machine, you may want to look into cyber liability protection. Data breaches occur often and a cyber liability policy will generally cover your business’ liability for a data break involving sensitive customer information, such as Social Security numbers, credit card numbers, driver’s license numbers, and health records.

Some of the key Businesses we LOVE to protect are





Condominium Complexes

Apartment Complexes

Auto Repair Facilities

Builders Risks

Landlord Risks

How do I get a quote?

Call The Insurance Team at 480-626-1860 or email us at Info@theinsteam.com and a member of our team will be happy to shop rates to find you the most affordable insurance package with the best coverages that fit your business’s needs. You can also visit us on Facebook at https://www.facebook.com/InsuranceTeam.


Carriers that The Insurance Team represents for Business Insurance:

Nationwide,  State Auto, Progressive. BTIS (Builders and Tradesman Insurance  Services), Stillwater Insurance, National General Insurance, and more.

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