Why Businesses Trust Professional Insurance Strategies

✔ Serving Arizona businesses since 2006
✔ Access to 50+ top-rated insurance carriers
✔ Local advisors who understand industry risks
✔ Fast certificates for contracts and jobs
✔ Coverage designed to meet real-world exposures

“Professional Insurance Strategies made the process easy and helped us understand exactly what we needed. Their team is responsive and knowledgeable.”
— Arizona Business Owner

What Is General Liability Insurance?

General liability insurance — also known as commercial general liability (CGL) — is the foundation of most business insurance programs. It protects your company from third-party claims involving injury, property damage, and other liability exposures.

It’s commonly required by:

• Commercial leases

• Contracts and project bids

• Licensing requirements

• Vendor agreements

What Does General Liability Insurance Cover?

Bodily Injury

Medical costs and legal expenses if a customer, vendor, or visitor is injured due to your operations.

Property Damage

Coverage if your work or business activities damage someone else’s property.

Personal & Advertising Injury

Protection against claims such as libel, slander, or copyright infringement.

Legal Defense Costs

Attorney fees, settlements, and court costs — even if a claim is unfounded.

Who Needs General Liability Insurance?

Most businesses should carry liability coverage, including:

• Contractors and construction companies

• Retail stores and service businesses

• Restaurants and hospitality operations

• Auto repair shops

• Professional services

• Property owners and landlords

If your business interacts with customers, enters contracts, or operates at job sites, liability insurance is essential.

General Liability Insurance by Industry

We provide customized coverage for a wide range of businesses:

• Contractors → see Contractors Insurance

• Automotive businesses → see Auto Repair Shop Insurance

• Restaurants → see Restaurant Insurance

• Professional services

• Retail and service businesses

This industry-focused approach ensures your coverage reflects the risks unique to your operations.

How Much Does General Liability Insurance Cost in Arizona?

Premiums vary based on industry, size, and risk level.

Typical annual ranges:

• Low-risk small businesses: $400–$1,000

• Service trades and contractors: $800–$3,500

• Higher-risk operations: $3,500+

Factors that impact pricing include revenue, payroll, claims history, and coverage limits. Our team compares multiple carriers to help you find competitive pricing.

Recommended Coverage Limits

Most businesses carry at least:

• $1,000,000 per occurrence

• $2,000,000 aggregate

Higher limits may be required by contracts or project owners. An umbrella policy can provide additional protection.

Common Liability Claims Businesses Face

We regularly help Arizona businesses with claims such as:

• Slip-and-fall injuries

• Damage to client property

• Product liability issues

• Completed operations claims

• Advertising disputes

• Job site accidents

Having the right coverage ensures your business can continue operating after unexpected events.

How General Liability Fits into Your Insurance Program

Many businesses combine liability with:

• Property insurance

• Workers’ compensation

• Commercial auto coverage

• Umbrella insurance

Bundling coverage can improve protection and simplify renewals.

Frequently Asked Questions

Is general liability insurance required in Arizona?

Not for all businesses, but many contracts, landlords, and licensing bodies require proof of coverage.

Does general liability cover employee injuries?

No — employee injuries are covered by workers’ compensation insurance.

Does it cover faulty workmanship?

It may cover resulting property damage but not the cost to fix your own work.

Can policies be bundled?

Yes. Many businesses bundle liability with property coverage in a Business Owner’s Policy (BOP).

Get a General Liability Insurance Quote

If you operate a business in Phoenix, Glendale, Mesa, Peoria, or anywhere in Arizona, our team can help you compare options and design the right coverage.

📞 Call 623-463-9000
💻 Request a quote online

Protect your business from unexpected claims and operate with confidence.