Business insurance · Chandler, AZ

Insurance for the shop, the truck and the crew, with one local agent.

Business owner’s policies, commercial auto, general liability and workers’ comp for Arizona small businesses. KGB Insurance quotes them by phone, by email or at our office, in English or Spanish.

Get my business quote Call (480) 545-8877

• 4.8 from 86 Google reviews
• Hablamos español
• Mon–Fri 8–6 · Sat 8–12

For Arizona small businesses

• Business owner’s policy
• Commercial auto
• General liability
• Workers’ comp

What insurance does a small business need?

It depends on what you do, who works for you and what you drive for work. A bakery, a landscaping crew and a bookkeeper working from home may need different policies, so we ask how your business runs before we quote.

Already insured somewhere else? Have your current declarations pages handy. We’ll go through them with you line by line and explain what each coverage does and doesn’t include.

What we ask about first

• What you do and where you do it: a storefront, a job site, an office or your home.
• Who works for you: full time, part time or family helping out.
• What you drive for work: the vehicles, and who is behind the wheel.
• What you own: a building, equipment, tools and inventory.

KGB Insurance

Licensed agents · English and Spanish

• Serving all of Arizona
• Allstate exclusive agency

“A minor issue came up on my home policy review, Barb got on it, reminded me (a couple of times) and got it successfully resolved. The definition of customer service.”

David Girle, Google review

Have your current declarations pages handy

One short call gets you real numbers. If your business is insured today, email photos of those pages to ronaldballard@allstate.com.

Does a lease or a contract ask for proof of insurance?

Send us the insurance section of your lease or client contract. We’ll go over the coverage and limits it asks for, and quote from there.

• 4.8★86 Google reviews
• 3,000+Arizona customers
• Hablamos españolEnglish or Spanish
• Call or email usMon–Fri 8–6 · Sat 8–12

What we quote

Four policies, and what each one is for.

A business may need more than one of these. What each one covers depends on the policy’s terms, limits and exclusions.

• Property and liability

  Business owner’s policy

  Often called a BOP. It bundles property and general liability coverage into one policy for small businesses, and can help pay for:

  • Damage to equipment, furniture and inventory
  • Damage to your building, if you own it
  • Income lost while you recover from a covered loss

• Work vehicles

  Commercial auto

  For the cars, trucks and vans your business owns or uses for work. It can help pay for:

  • Injuries and damage you cause while driving for work
  • Damage to your work vehicles
  • Accidents when an employee drives for the business

• Customers and the public

  General liability

  Can help pay when your business is blamed for someone’s injury or for damage to their property, including your legal defense if you’re sued over a covered claim. For example:

  • A customer slips and falls at your shop
  • You damage a client’s property on a job

• Your employees

  Workers’ comp

  Can help pay medical bills and part of lost wages when an employee is hurt or gets sick because of the job.

  • Medical care after a work injury
  • Part of their pay while they recover
  • Most Arizona employers are subject to it (A.R.S. 23-902, azleg.gov)

Not sure which ones you need? Tell us what you do, and we’ll explain which apply.

Start my quoteCall (480) 545-8877

Where you work

A storefront, a job site or the spare room.

Where you work changes the risks, and the policies to ask about. Here is what we look at for four common setups.

• A shop, café or storefront

  Customers walk in every day. We look at your space, your equipment and inventory, and liability for anyone who comes through the door.

• A crew on job sites

  Tools in the truck and people on someone else’s property. We look at general liability, commercial auto and workers’ comp together.

• An office or professional service

  Computers, furniture and a lease that may ask for proof of liability coverage. A business owner’s policy is often where we start.

• A business run from home

  A home policy may not cover business equipment or clients who visit. We check what your home policy says about both.

Driving for work

Your personal auto policy may not cover driving for work.

Deliveries, client visits, hauling tools to a site. If you use a vehicle to earn money, tell us how. We’ll check whether it belongs on a commercial auto policy.

• Cars, trucks and vans your business owns
• Personal vehicles used for business
• Who drives them, and how often

Get my quoteCall (480) 545-8877

How it works

From quote to coverage in three steps.

1. 1

   Tell us about your business

   Fill in the quote form, or call our office with what you do, who works for you and what you drive for work.

2. 2

   Talk it through

   By phone or by email, in English or español. We go over each policy and its limits.

3. 3

   Start your coverage

   Choose your policies. If a landlord or client asks for proof of coverage, call our office.

Start with a quick call.

Tell us what you do and what you need covered.

Call (480) 545-8877Email us

Google reviews

Patient, thorough and quick to answer.

4.8 ★★★★★

4.8 / 5 average · 86 reviews

78 of them are five stars

★★★★★Google review

Excellent customer service!! Very happy with the outcome of the bundle insurance we purchased.

NVNely Valero ★★★★★Google review

Excellent service; they always answer calls and provide courteous, friendly service. Highly recommended.

GMGonzalo Moreno ★★★★★Google review

Outstanding service from start to finish. My agent was knowledgeable, patient, and truly cared about finding the right policy for me. They explained everything clearly and made sure I felt confident in my decisions. I appreciate the responsiveness and professionalism—definitely a 5-star experience!

KKKneo Knight ★★★★★Google review

People here are great… The folks here fought & got this resolved.

MMMike Mckinnon ★★★★★Google review

Ronnie made us feel like family, answered all of our questions, and talked us through any concerns we may have had.

WRWillie Ryan ★★★★★Google review

Ronald is a great agent, is always answering questions when needed and fast responder!

FRFernando Rico

Questions

Business insurance questions, answered.

What is a business owner’s policy?

A business owner’s policy, or BOP, bundles property and general liability coverage into one policy for small businesses. It can help protect your equipment and inventory, your building if you own it, and the income you lose if a covered loss forces you to close for a while. Your policy documents have the exact terms.

Does Arizona require workers’ comp?

For most employers, yes. Under A.R.S. 23-902 (azleg.gov), Arizona’s workers’ compensation law applies to employers with workers regularly employed in the business, and that includes work that lasts only part of the year. There are some exceptions, so tell us who works for you and we’ll explain what applies to your business.

I use my own car for work. Do I need commercial auto?

It depends on how you use it. A personal auto policy may not cover a vehicle used mainly for business, like deliveries or driving tools to job sites. Tell us how you drive for work and we’ll explain whether it belongs on a commercial auto policy. For personal driving, see our auto insurance page.

I run my business from home. Doesn’t my home policy cover it?

Maybe not fully. A home policy may limit coverage for business equipment, and it may not cover a client who gets hurt during a visit. It depends on your policy’s terms, limits and exclusions. Email us your home declarations page and we’ll go over what it says about business equipment and client visits.

What do I need for a business insurance quote?

Your ZIP code, what your business does, who works for you, the vehicles you use for work, and your current declarations pages if you have them. Send what you have through the quote form, or email photos of the pages to ronaldballard@allstate.com, and we’ll ask for the rest.

Can you quote my personal car and home along with my business?

Yes. KGB Insurance also quotes auto, home, renters, condo, landlord, umbrella, life and RV, boat and motorcycle policies, so your business and your household can work with one local office.

Related coverage

Other coverage KGB Insurance quotes.

• LandlordRentals and duplexes
• UmbrellaLiability above auto and home
• Auto + HomeOne agent for both
• Not sure what you need?Email us a photo of your declarations page.

Mon–Fri 8–6 · Sat 8–12

Ready for a business quote? Have your current policies handy.

Call or email us. We’ll go over what you carry today and what each policy includes.

Get my quote Call (480) 545-8877 Email us