Most Arizona businesses either carry too little insurance or the wrong structure.
Core Coverage:
- General Liability
- Commercial Auto
- Workers Comp
- Professional Liability (if applicable)
Industry-Specific Needs:
- ALF: Abuse coverage
- Pest Control: Pollution coverage
Recommended Limits:
$1M per occurrence
$2M–$3M aggregate
$1M CSL Auto
Common Mistakes:
- Choosing lowest premium
- No annual review
- No umbrella
For a business insurance review, contact Prosperity North Advisors.