Contact us


Send us an email!

Contact details:


Your message has been sent successfully. Close this notice.

Car Insurance Quote

Contact details:

Your Quote Form has been sent successfully. Close this notice.

Home Insurance Quote

Contact details:

Your Quote Form has been sent successfully. Close this notice.

More Personal Insurance Quote

Your Quote Form has been sent successfully. Close this notice.

Business Insurance Quote

Contact details:

Your Quote Form has been sent successfully. Close this notice.
2 years ago · by · 0 comments

Small Business Insurance

YouTube player
small business insurance

Small business insurance is a type of coverage that helps keep you from getting sued by people who claim to have been injured or had their property damaged as a result of your business. This type of insurance can also help cover the cost of legal fees related to advertising injuries, such as defamation and copyright infringement.

Some businesses might need to get general liability insurance. They might need it because they rented a space, or because they had a mortgage, or because they work with expensive client property. But even if you don’t, it is still smart for you to try and get it.

Small Business Insurance Quotes

There are many different companies that provide small business insurance, so it is important to compare the rates and policies before you decide on one. You can find cheap small business insurance, but make sure that the policy still provides good coverage.

A small business needs insurance that is different from a big company. Also, small businesses need to have liability, property, and health insurance. You should read about how to get these types of insurance.

If you are a small business owner, it is important to have some type of liability insurance. General liability insurance covers the cost of lawsuits from people outside your business who sue over bodily injury or property damage. It also pays legal costs related to advertising injuries, including defamation and copyright infringement.

Companies that insure small businesses

You are looking for insurance that is good for your business. Also, you can buy it from an agent or you can look at small-business communities on the internet and ask people.

Also, you can get insurance for your small business. There are different types of this insurance. You can also get a car, general liability insurance, and more. This article will tell you how to get the best deal on these types of insurance.

The main types of small business liability insurance are:

A BOP is a package policy that combines general liability and property coverage. It is often the cheapest way to insure a small business.

Commercial General Liability insurance is for people who have a small business. If someone gets hurt, it will pay for the doctors and the hospital. It will pay if someone breaks something or their reputation gets hurt because of what you did.

Product Liability Insurance

Product Liability Insurance protects a business from people who say that the product they made caused them to get hurt or damage something. It helps if the business is small, like a doctor’s office. This insurance can also help protect you if your car gets damaged for someone else because you don’t have it protected.

To get small business liability for a low price, first try an online search for ‘small business insurance quotes’. This will provide you with a list of companies that offer general liability coverage.

When you are making a list of people you are going to hire, look for someone who has experience with small businesses. They will have more knowledge about what they do. You may also want to think about companies that only do rates for small businesses, because they might be able to offer you a better price.

Small Business Insurance Quotes Online

Visit each company website and fill out their quote form. If they don’t have one, call them up. Then you can get the best policy for your needs.

Don’t skip on buying coverage because of high rates. Some companies offer more comprehensive general liability policies for a reasonable price.

 If you are required to have commercial general liability insurance, but need protection for your property and other assets as well, consider getting a BOP (business owner’s policy). This type of policy combines general liability with fire and theft coverage.

You can get a BOP for less than the cost of buying each type of coverage separately.

 If you are opening a small business, make sure that your general liability insurance covers all of the things that you need it to. You may also want to have a BOP.

Business Owner’s Policy

 A Business Owner’s Policy is a combination of property damage coverage and general liability insurance. It is more expensive than just general liability, but it gives better protection overall. You should ask an insurance broker before you decide if the policy is right for your business.

Also, you can get coverage for your employees with small business health insurance plans. This will include dental and vision care, and you can customize the plan to fit what you need for your company.

Small businesses need to be protected. One way is general liability insurance. General liability insurance protects the company and its employees. If there is an accident or injury, the business will not lose money because of it.

General Liability Insurance

 You need to have general liability insurance for your business. It can be expensive, but you can try to lower the cost by shopping around and looking at different rates.

Also, you can get general liability insurance by getting a Business Owner’s Policy, which includes coverage for fire and theft. The BOP will be more expensive than just buying the insurance, but it is worth getting because it covers you better.

If you want to open a small business, talk to an insurance broker. They can help you find the best policies and answer any questions about them.

You may be wondering how to start looking for the best small business liability insurance. There are ways to find coverage that fits your needs and is not too expensive.

One option is to compare rates from different companies. Online is a quick and easy way. You can also talk to your local agent, or an insurance broker who will be able to find the best policy for your business.

When you buy a liability insurance, make sure that you read the fine print and know what it covers.

Commercial Property Insurance

If you are opening a business, make sure to get insurance. This protects your business from accidents and injuries.

General liability insurance is one type of coverage you can get through a business owner’s policy (BOP). BOPs give you general liability insurance and fire and theft protection. They are more expensive than just getting general liability insurance, but they have better coverage overall.

If you are not sure whether or not you need a BOP, talk to an insurance broker. They can help you decide. You can also buy your employees small business health insurance plans to cover them when they go to the dentist or for any other care. These plans cost less than other types of health insurance and come with many different options, such as dental and vision coverage.

Small businesses need to make sure they have the right kinds of insurance. One important type is general liability, which protects the business from financial losses if someone gets hurt or property is damaged. The Business Owner’s Policy (BOP) includes general liability insurance and other types of coverage, such as fire and theft protection.

You need to think about what type of policy you want when you are looking for a business liability insurance company. Also, you should read the agreement and know what it covers.

Business Insurance Plans

If you are starting a business, it is important that you also have insurance. This type of coverage protects the business from losses that happen for any reason. When you buy this, it may be more expensive but it will give you better protection than if you only buy one type of insurance. If you are not sure whether or not a BOP is right for your company, talk to an insurance broker. You can also get insurance for your employees with small business health plans. These plans have a variety of options including dental and vision care, and you can customize them to fit the needs of your company.

Business Income Insurance

If your property is damaged or destroyed, you are protected. This protection comes from a special endorsement that provides coverage for business income lost due to an insured peril. There are other kinds of coverage in this policy. They may have waiting periods of 30 days to 180 days for equipment for the business in the event that it is lost during a covered cause of loss (e.g., theft).

This insurance helps you if your company has to close after an event. For example, if the property is damaged and your company cannot do business any more. The insurance might help with money while we keep running our company. It also protects equipment that we need to do the work of our company, but it might take a long time before we can get that back.

Need a Quote?  Please click here

Check out our other coverage:

General Liability Insurance

Business Auto Insurance

Contractors Insurance

Read more

3 years ago · by · 1 comment

A Guide to Contractors Insurance

Working as a contractor comes with its fair share of risks – especially if you’re in the construction industry. There’s a lot of room for error, and if you aren’t prepared, a single accident can cost you thousands of dollars.  We have put together an exhaustive article regarding a guide to contractors insurance. Fortunately, in the modern-day world, insurance can act as a backup plan by cushioning your financial burden in case of an unforeseen event. So as a contractor, what type of insurance do you need to apply for? This comprehensive guide will walk you through everything you need to know.

Read more

3 years ago · by · 0 comments

Insuring Off-Road Vehicles

Off-Roading Vehicle Insurance in Arizona

Insuring UTV Vehicles

Whether you have a 4-wheeler, ATV, dirt bike, dune buggy or golf cart here are some tips for insuring your off-road vehicles.

Purchase separate off-road vehicle insurance coverage

You will need to purchase your utv insurance coverage separate from your auto or homeowners insurance. Do you take your off-road vehicle to the lake or desert?  You are no longer covered under your homeowner’s policy if you do.  That is why you are much better off purchasing a separate off-road insurance policy that will cover you on and off your property. Our team will go over all the insuring off-road insurance options we have and ensure that you receive the best coverage at the best rate.

Protect extras

If you personalize your off-road vehicle insurance, make sure to let your insurance agent know. Often times policies automatically include a limited amount of coverage for custom equipment. Depending on the custom equipment you put on your vehicle you may need to purchase additional coverage.

Take a safety course

Taking a safety course will teach you how to ride your vehicle.  Also, you can learn to unload it from your truck or trailer properly. An added bonus is, many UTV insurance companies will offer you a discount for having completed a safety course.

Insure all of your off-road vehicles together

If you have more than one off-road vehicle you should purchase one utv insurance policy and  insure them all together. This will help bring down the cost.

Stay on the road

If you like to travel with your off-road vehicle on a trailer to different spots then make sure that your policy includes reimbursement travel expenses if there is an accident or breakdown. Our agents will go over all of this when you contact us for you toy insurance quote.

A few additional things to consider is for atv vehicle insurance would be collision coverage. It will pay out for any damage to your off-road vehicle, whether you collide with another vehicle or something like a tree or fence. Bodily inquiry and property damage liability components cover you against costs you will have to pay to other people if you or off-road vehicles are responsible for the damage. As well as, comprehensive coverage will protect you for the costs associated with the loss or damage of your vehicle if it’s stolen or damaged by weather or a natural disaster.

To receive an insurance quote for an off-road vehicle like an ATV, 4-wheeler, dirt bike, dune buggies, golf carts, off-road motorcycles or any other off-road vehicle, please contact us. We will help make sure to get you the coverage you need specialized to you.

Read more

3 years ago · by · 0 comments

Insurance for Dog Groomers

Dog Groomer
YouTube player

Insurance for dog groomers, trainers and daycares

Of course, every business needs insurance, but insurance for dog groomers has its own unique needs. Certainly, Dog groomers, trainers and daycares need commercial insurance. In addition, pet groomer insurance coverage is important if a dog is injured on your watch, your business could face a lawsuit. Also, dog groomer independent contractor insurance will cover your business if a customer sues or a dog bites an employee.  The National Dog Groomers Association of America has some great information on pet business insurance too.  

Who needs dog grooming insurance?

  • Doggy daycares
  • Dog training businesses
  • Dog groomers
  • Pet care businesses
  • Mobile grooming companies
  • Pet grooming business
  • Pet kennels

What are the different types of insurance to consider?

  • General liability
  • Workers compensation
  • Business owners policy
  • Errors and omissions insurance

First of all, general liability insurance covers the basics such as accidental pet injury for your dog grooming businesses. Also, this is best for pet injuries, customer injuries and damage to customer property with groomer’s insurance.

Next, workers’ compensation insurance is required in every state for pet grooming businesses that have employees. Also, this will help cover medical costs if an employee is injured on the job. Additionally, this is best for employee medical expenses, misses wages and lawsuits over employee injuries.

Next, business owner’s policy insurance and general liability insurance will be under one plan for pet groomer insurance. In addition, this is the most cost-effective type of commercial insurance for pet groomers. Also, this is best for pet and or customer injuries and damaged business property. For example, commercial property insurance is important to cover all the equipment you use in your business.  

Furthermore, errors and omissions insurance is also referred to as professional liability insurance. Also, it covers legal fees related to work performance such as a claim that a dog was injured during a routine nail clipping. Likewise, best for mistakes that led to pet injury, failure to deliver promised results, accusations of negligence.

Finally, you might need commercial auto insurance if you are doing mobile dog grooming.  Sometimes, pet grooming business insurance will envole having several different policies. 

How much does dog grooming insurance cost?


It is important to get several dog grooming insurance quotes from your broker to make sure you have the right coverage.  Pet grooming insurance can be very inexpensive if purchased correctly.  Also, pet grooming insurance cost is something that can be deducted from your taxes as an expense.  

We know it can be stressful to run a small business. Having this grooming insurance can give you a peace of mind and it doesn’t have to come with an expensive tag. Every business is different and the cost will vary, request a quote below and we will find the best rate for your business.

Read more

3 years ago · by · 0 comments

Why Wedding Insurance is a Must

YouTube player
Wedding Insurance

Why Wedding Insurance is a Must

Professional Insurance Strategies helps couples protect their wedding day which can be a significant financial investment. In this blog we will explain the ins and outs of wedding insurance and why you should add it to your wedding budget today.

What is wedding insurance?

Wedding insurance protects a couple’s investment from circumstances beyond their control, and reimburses expenses incurred. It provides coverage for mishaps such as a venue closing, a vendor not showing up, extreme weather, damaged gifts, sickness, injury and more. Optional liability and liquor liability coverage is always available to protect your interest from unfortunate situations such as a fall or damage to property at the event. We provide wedding cancellation insurance and wedding liability insurance at all different levels so we can find you complete coverage at a reasonable price.

What does wedding insurance cover?

Cancellation or postponement Coverage: 

This will provide coverage for certain deposits listed in the policy in the event of a necessary cancellation or postponement of the wedding. Example: if the venue suddenly goes out of business or is inaccessible or there is a sudden illness preventing the honorees, parents, grandparents or children of the honorees from attending then this coverage can reimburse you for lost deposits. Disclosure: COVID-19 does not apply to this.

Photographer and/or Videographer Coverage: 

Wedding photographers and videographers can provide if your photographer’s film is defective, or negatives are lost or damaged. For example: if your photographer fails to show up, or loses the negatives from your wedding, this coverage can reimburse you for the cost of reconvening your wedding party to take new photos or video.

Protection for Wedding Gifts: 

Event gifts can provide coverage if your gifts are damaged. For example: if your gifts are somehow damaged while on display at the reception, this coverage can reimburse you for repair or replacement cost. 

Special Attire Coverage: 

Special attire can provide coverage is a wedding gown, or tuxedo is lost or damaged. For example: if you are traveling to your destination for your wedding and the airline loses your attire, this coverage can reimburse you for the replacement of equal value.

Jewelry Coverage: 

Jewelry can provide coverage if an honoree’s wedding band is lost or damaged.  For example: if a member of the wedding party loses the ring(s) the night before the wedding, this coverage can reimburse you for the new rings

Coverage for Lost Deposits: 

Lost deposits can provide coverage if a vendor goes out of business, declares bankruptcy before your wedding or simply fails to show up. For example: if your band or your limo provider fails to show up, this coverage can reimburse your lost deposit.

Liability Insurance: 

Liability Insurance can provide coverage for liability for property damage and personal injuries to third parties at the location of your event. For example: if a guest slips and falls are your wedding, we can provide coverage for your liability.

Liquor Liability Coverage:

 This is optional wedding day coverage that can protect against on premises alcohol-related accidents that can result in your liability. Liquor liability coverage is available up to the liability limit on the policy. Liability coverage must be purchased to acquire this additional wedding coverage option.

How much do you have to spend?

We have all different levels of insurance coverage so we can find you complete coverage at a reasonable price. Expect to spend between $150 – 600 depending on what amount of coverage you want. We will shop pricing for you to make sure you are receiving the best price.

Do you really need wedding insurance?

Before buying wedding insurance, check with each of your vendors to see what type of insurance coverage they have. Oftentimes reception venues and carters may already have their own insurance which can be a benefit to you. If they do have insurance, ask for a copy of their policy and then send it to us. We can figure out where you might need additional coverage.

If a venue doesn’t have its own insurance, liability insurance is a must and most likely will be required. You want to be covered just in case any accidents happen at your wedding especially if you have alcohol. Cancellation is always a good idea in general because you never know when the least expected will happen. Especially if you are planning a destination wedding.

How soon should I get wedding insurance?

The sooner the better. If you put a deposit on a reception venue 12 months prior to your wedding date and it burns down before the big day – with the insurance, you will be able to get your deposit back.

Things to consider

Every insurance policy and wedding is different. Here at Professional Insurance Strategies, we will explain the ins and outs to you so you fully understand every detail of your policy.

Get a quote today or give us a call to discuss this further at 623-463-9000. We look forward to ensuring you can enjoy your big day with peace of mind. 

Did you enjoy this blog? Check out our other blogs related to the insurance industry.

Read more

3 years ago · by · 0 comments

Ways to Save on Car Insurance

Car Insurance

Any car that you own you must have insurance on it. We know you don’t want to spend a penny more than needed on a policy and you shouldn’t have to. Knowing what affects your auto insurance rates will help you figure out how to save on your car insurance and still get great coverage. We will explain below different ways to help lower your car insurance costs.

First things first, you want to shop around.

Good thing is, here at Professional Insurance Strategies we have over 50 carriers that we can shop your insurance policies through to make sure you receive the best policy at the most affordable price.

Taking advantage of car insurance discounts is another way to save. Every insurance company offers different ways to lower your car insurance premium. Our team knows of all these discounts so make sure to ask about them when they provide you with a quote. Just because an insurer offers many discounts doesn’t mean it offers the lowest price.

One of our agents will go over that with you.

Traffic tickets and accidents will increase car insurance premiums. If you get a ticket and you are offered the opportunity to do a course to get it dismissed or reduce the number of points that go on your driving record, take full advantage of this. If points are added to your driving record, your premium will in fact increase.

Increasing your deductible can lower your premium but this can also end up costing you more in the long run if you are in an accident. The average policy carries a $500 deductible. This means you will only have to pay $500 out of pocket if you are in an accident before your insurance will start to cover. If you increase your deductible to $1,000, this may reduce your monthly premium by $10-15 per month. If you are not driving as much right now due to working from home, it might be worth looking into increasing your deductible.

Combining your insurance policies may give you discounts to customers who buy multiple policies.

 If you bundle your home or boat together you may end up getting a lower rate for each. Our agents here at Professional Insurance Strategies will go over what companies offer these benefits and find you the best possible deal out there.

The more expensive your car is the more expensive the insurance on it will be. Insurance companies have different rating classes depending on the type of car that you drive. Those ratings classes will significantly impact how much you pay in auto insurance. Reasonably priced SUV’s and minivans are going to be the cheapest vehicles to insure compared to sports cars that will cost you a lot in monthly premiums. Keep this in mind when you are car shopping.

Our trusted agents here at Professional Insurance Strategies can help educate you on ways to save on your auto insurance. Call or email us today for a complimentary quote!

Did you enjoy this blog? Check out our other blogs related to the insurance industry.

Read more

3 years ago · by · 2 comments

General Contractors Insurance

YouTube player
General Contractors insurance AZ

First of all, everyone can use some tips for saving on their general contractors insurance.  Also, if you carry general contractors insurance, it is likely that you are spending too much on your premiums. Likewise, construction projects carry a more diverse range of risks and there are more reasons .

Next, the Small Business Administration says that construction business is more likely to be responsible for general contractors insurance in addition to property and vehicle insurance for each site and job. Also, a great way to save money on general liability insurance is to bundle other policies.  Clearly, contact us today and we will look into bundling your general contractor’s insurance with other types of insurance you need for small business.

Also, theft can be a huge problem on construction sites.  Additionally, if materials or equipment get stolen you need contractors equipment insurance. At this point, you may have harmed your relationship with your client because now the job is held up longer.  Additionally, while having to replace the materials that were stolen, your insurance premiums may increase.

Also, in the construction industry it is common for job sites to follow poor theft-preventative measures. In addition, if you take measures to lessen your risk the carriers will offer better liability insurance rates.  Also, if your rate doesn’t decrease, at least you decrease the chances of  construction site theft.

Things to help keep your jobsite secure

     – Have different keys for each piece of equipment
     – Have a strict lockdown protocol for your team to follow
     – Ensure that all construction buildings are locked at all times
     – You could add a sturdy fence to your job site to maintain limited access points for others to walk or drive into
     – Keep records of all items that come and go on the job site

Also, you can also improve safety requirements on your job sites which can save hundreds of dollars on your general contractors insurance. In addition, improving your safety will save on medical costs.

For instance, requiring modern and updated scaffolding for all your contractors on your job site will help improve safety. Also, making safety top priority will help you save on your general contractor’s insurance premiums. Contact us today to become insured and we will make sure you are not over spending more than you should be for your contractors insurance.

Did you enjoy this blog? Check out our other blogs related to the insurance industry

Read more

3 years ago · by · 0 comments

Save on Home Insurance in Arizona

Home Insurance in Phoenix

Everyone wants to save money when they can. Professional Insurance Strategies in Arizona will help find ways to save on home insurance in Arizona. The number one way you can save on home insurance is by bundling. This doesn’t only save you money but it provides you with more convenience of only working with one insurance carrier. Below is a closer look at bundling. We will explain why this makes sense for you.

What is bundling?

First and foremost, what is bundling? Bundling insurance is when you buy multiple types of insurance policies — like your car, home, motorcycle, boat or recreational toys — from the same insurance provider. This can be an effective way to get insurance discounts. Insurers typically offer price savings when you buy multiple policies from them.

Advantages to bundling insurance

There are a number of advantages to bundling your home insurance with other insurance policies. Many of our carriers offer discounts up to 15% on your home insurance premiums compared to if you were to buy policies individually from different companies. As you can see, bundling multiple policies under one insurer can save you money.

There are multiple benefits to bundling your homeowners insurance with other insurance policies, the benefits go beyond the financial aspect of it.

Get more for your money. When you buy multiple policies from one insurer, there will be cost savings and can translate to the opportunity to add more coverage than what you had before. You can make your money go farther because you can take the money you save from purchasing multiple policies towards policies that you might not have.

When you bundle your insurance with one insurer, you only have to manage your policies through one agent rather than multiple if you use multiple companies. Billing is easier because you make your payments at one time. Also, when it comes to filing a claim, you can work directly with someone on our team who understands your coverage information fully

How we can help

Here at Professional Insurance Strategies we want our customers to have peace of mind. Nobody expects an accident to happen but when it does you want to get back to life as fast as possible. You will find that when you have bundled your insurance, it doesn’t only make your life easier but also your insurance agents. You will have one point of contact that will manage your situation and ensure forms and documents are handled smoothly. We are committed to the best customer service. Contact us today and we will look to find you the best insurance bundle deal out there!


Did you enjoy this blog? Check out our other blogs related to the insurance industry.

Read more

3 years ago · by · 2 comments

RV Insurance-What you need to know

RV Insurance in Arizona

Step 2 of purchasing an RV is getting RV insurance.  In this article we will help with some of the common questions receive about trailer insurance.

Whether you’re planning a family vacation or a weekend road trip, you want to have peace of mind. That is why insurance is a must. Before considering purchasing an RV, make sure you look at insurance options. Some people are surprised how expensive RV insurance is compared to a car. Adding an RV to your existing car insurance policy may be an option but for better financial protection consider RV specific insurance.

What does basic RV insurance cover?

Basic motorhome insurance policies may include slightly different coverage types depending on what insurer you go with, but our team will make sure you know exactly what is covered on your policy.

You can expect the following to be required in your quote…

Collision and comprehensive coverage:

 Just like car insurance, collision coverage helps pay for repairs to your RV if you cause a crash or you run into a tree or street sign.

Comprehensive covers a variety of things such as theft of your RV, vandalism, animal collision, falling objects and more. Just like your car insurance, collision and comprehensive coverage will come with a deductible which one of our agents will go over with you.

Uninsured/underinsured motorist coverage: 

This will cover you if you and your passengers injury treatment if you are hit by a driver who doesn’t have insurance but not enough to cover your bills.

Liability insurance:

 To legally operate your RV, you will need at least the same amount of liability coverage that your state requires for car insurance. One of our agents will inform you of your state requirements. If you cause a crash, liability insurance covers those injured and the property damage costs.

Medical payment coverage: If you crash your RV, this coverage pays for injury treatment for you and your passengers, no matter who is at fault.


What are other Camper Insurance options?

Other camper insurance options can not be added through your car insurance policy. If are looking to add additional coverage, ask your agent about recreational vehicle insurance.

Full replacement cost:

 If you choose this for your recreational vehicles insurance, if your RV is stolen or totaled, you will get back what you paid for the RV.

Vacation liability coverage:

 When your RV is at a campsite or in a park, it is considered a temporary vacation residence.

Personal property and attachments coverage: 

RV’s are loaded with items and attachments that a traditional auto policy will not won’t cover, such as camping supplies, furniture, cooking appliances, awning and much more. If any of it is stolen or damaged you need separate insurance for a travel trailer to repair or replace it.

Roadside assistance:

Camper insurance can provide coverage for towing and servicing RV’s.

Travel expenses coverage:

 If you are in an accident or your RV breaks down, this coverage will help pay for lodging and transportation while the vehicle is fixed. There are some restrictions on this depending on your insurer and our agent will be sure to inform ahead of time.

Full-time RV coverage:

If your RV is your primary residence, you need this type of insurance. This can provide high-limit personal liability insurance similar to what you would find in a home insurance policy, medical payments for injured visitors and coverage for belongings to keep in storage while you are on the road. There are many different options for you if you are using your RV as a full time residence and our agents will make sure you have the best coverage at the most affordable coverage.

What is not included Insurance for RV?

Depending on the insurer you choose, your trailer, campers and other non-motorized units might not fall under RV insurance. They would need their own policies, which we will explain to you in greater detail.

We have found that most RV insurance carriers in the US will not cover you in Mexico. So if you are planning to head south of the border, make sure to give us a call so we can connect you with an insurance carrier in Mexico. Typically you are covered in Canada but make sure to double check with us prior to traveling north of the border.

Who needs RV Coverage?

If your RV is your primary residence, RV insurance is a must. If you use your RV sporadically for vacations and road trips, you will need at the very least liability insurance. If you have an RV loan, your lender most likely will require insurance.

Many people ask for a guesstimate of what RV insurance will cost. However, RV’s are hard to estimate given all the ways you can customize the insurance options. Contact us today and we will explain the ins and outs of RV insurance in further detail and find you the best insurance options for your unique situation. We will ensure that you have the best coverage at the best price.

Did you enjoy this blog? Check out our other blogs related to the insurance industry.

Read more

3 years ago · by · 0 comments

The Right Arizona Insurance Agency

Finding the right Arizona Insurance Agency

Every driver needs automobile insurance and finding the right Arizona Insurance agency for you is important. Auto insurance is one of those fixed costs that go along with the privilege of driving a car and having the right agent is important. Should an accident occur, automobile insurance helps all parties involved. In fact, drivers are required to show proof of financial responsibility when registering a vehicle and at any law enforcement officer’s request at the scene of an accident or at a traffic stop – that proof of financial responsibility is none other than your insurance policy. Hefty penalties can apply if a driver can’t produce this proof.

You need it – that is understood. But that does not mean you have to pay exorbitant prices for automobile insurance.

The Arizona independent automobile insurance industry is booming. With so many options to choose from, consumers have many venues to compare. Some people routinely rely upon larger corporations for the insurance needs, justifying the higher premiums and fees based on industry experience. But you do not have to pay higher fees to get a package that is suitable to your needs.

Arizona independent automobile insurance practitioners offer the ability to craft your insurance package to suit your individual needs, giving you more than the pre-packaged plans that most traditional insurers offer. Due diligence is required during this search, as is the case with every product you buy, but rarely are there so many options.

Here are some things to look for when choosing to go with an Arizona independent automobile insurance practitioner:

Know What’s Required of the State

It is important that you know what is required by law when looking for auto insurance. State coverage mandates are different, so do your research to determine what amount Arizona is required to insure you for in an accident where you have been deemed at fault.

Know Where You Stand

Do you have insurance and want a lower rate? Are you currently uninsured? Do you have multiple traffic violations on your record? These are questions you should know the answers to when looking for an automobile insurer. Many Arizona independent automobile insurance plans can suit your needs… you just must know what those needs are.

Know What You Want

There are several coverage types to choose from, including Full, Collision, and Medical Payments Coverage. While Liability coverage is mandatory in Arizona, there are other options that can be added to that base plan to suit your needs. Understand your needs and budget when entering a discussion with an agent.
Researching companies to find the right fit for you may seem daunting, but it does not have to be. Invest the time and avoid paying for something you don’t need or not getting the coverage you want because it isn’t available outside of the package that traditional insurers offer.

Did you enjoy this blog? Check out our other blogs related to the insurance industry. 

Read more

3 years ago · by · 0 comments

How an Insurance Agent Help?

How can an insurance agent help you

The auto insurance industry is overly complicated. It means a lot of research, analysis evaluation, and a lot of meeting and negotiating need, if you want to get the most suitable and best auto insurance for you.  This is how an insurance can help.

Today there are so many ways to get auto insurance immediately.

  1. With the Internet facility or through online
  2. You can even go direct to insurance companies to get your policy
  3. Through Insurance agents. (There are still auto insurance agents around and there is still value in getting one.)

If you are someone who likes the personal touch, familiar with your area, an agent is the way to go. There is a lot to be said for talking to the same person about your auto policy. He or she can be available to offer options, answer questions, and advice to you. An auto insurance agent should also know your local area well so he or she may have more industry information relevant to a more suitable and less expensive auto insurance policy.

Now what can you expect from your agent:

  1. Total policy information
  2. Premium reduction
  3. New policy process
  4. Yearly premium collection and renew your policy
  5. After any accident process your claim.

Professional Insurance Strategies is a perfect example for that. Professional Insurance Strategies have a trained staff that will provide the highest quality customer service as well as offer solutions for the limousine insurance needs of our clients. As an independent insurance agency, they have access to most of the major insurance companies writing insurance for the transportation industry. They are constantly developing new programs and services to provide better protection for our clients. They specialize in limo insurance, taxi insurance, and many other transportation type risks. They offer (livery) limo insurance in Arizona, Nevada, and New Mexico. They also write taxi insurance in Arizona, Nevada, and New Mexico.

Did you enjoy this blog? Check out our other blogs related to the insurance industry.

Read more

3 years ago · by · 0 comments

Liability Insurance for Construction

Construction Owner

Who Should Have Liability Insurance?

First of all, anyone involved with residential or commercial building projects should have liability insurance for contractors.  Also, liability insurance for construction in Arizona is necessary for people working in different careers, including

  • Architects
  • Electricians
  • Plumbers
  • Forklift Drivers
  • Carpenter

Additionally, individuals who construct bridges, buildings or highways should never assume that they have sufficient insurance coverage from an employer. In addition, in most cases, liability insurance for construction in Arizona is the responsibility of each contractor. Also, failure to protect your business and personal assets from lawsuits can lead to financial ruin for professionals.

What is the purpose of Liability Insurance?

Liability insurance for construction in Arizona has several purposes such as preventing a loss of a business due to a lawsuit. In addition, in many geographic locations failure to have the proper types of insurance coverage can lead to fines for contractors. Additionally, this is because many contractors hire employees who need financial protection if an injury occurs while on-the-job. Also, at the same time, someone passing by a construction project can incur an injury, leading to a lawsuit for damages. Likewise, a lawsuit for injuries can happen because of negligence due to using equipment the wrong way or making an error during the construction process.

How much General Liability Insurance does someone need?

Next, the amount of liability insurance needed for each contractor depends on  the size and cost of the project. Also, important things to consider are how many employers are working on a project, leading to more chances of someone incurring an injury.  For instance, while an architect typically spends less time on-site at a building, they are still culpable for damages in many cases. Also, liability lawsuits against architects occur when they make a mistake on a blueprint.  Additionally, this leads to an injury of a construction worker or a building’s occupant. Also, lawsuits against a contractor are possible while a project is in the process of being built or several years later due to an injury. Clearly, a knowledgeable insurance agent is the best person to analyze the amount of liability insurance for construction in Arizona that you need.

Where Can a Contractor Get Insurance Coverage?

Certainly, there are numerous insurance companies that provide specialized liability insurance for construction in Arizona. Also, an agent will carefully consider the risks involved by the contractor’s type of work to determine the best plan. Additionally, a contractor with employees working at high levels such as roofs must pay more for a policy than an architect. Also, having  coverage of millions of dollars is quite common, but the cost of a policy is divided with monthly installments. Additionally, an insurance carrier will customize a policy to include the coverage required by a region or occupation. Also, policies can include coverage for fire, smoke, or water damage in addition to paying for medical bills.

Did you enjoy this blog? Check out our other blogs related to the insurance industry.

Read more

3 years ago · by · 0 comments

Arizona General Liability Insurance

General Contractor
YouTube player

First, all the safety measures in the world won’t negate the need for Arizona general liability insurance. 

By the very nature of their work, a contractor cannot function without protection. Also, it not only shields the company in the unfortunate event of an accident or other unforeseen circumstance, it helps employees, clients and customers feel safer working with you. In addition, they appreciate the idea that in case of property damage or injury, you are prepared.

Safeguarding Your Business with Arizona General
Contractor Required Liability Insurance

Next, a contractor’s site can have any number of electricians, plumbers, carpenters and other professionals. Also, there can be heavy equipment, power tools, complex construction structures and materials, as well as any number of pedestrians who may not adhere to safety measures. Additionally, accidents occur, regardless of what we do to prevent them. For instance, a slip and fall, faulty equipment, fallen debris, are all potential hazards.
Clearly, Arizona general contractor required general liability insurance is the best way to protect the business’ future. Likewise, without it, business owners have seen not just financial ruin, but damage to their reputation.

Types of Arizona General Contractor Required Liability Insurance

Next, proper insurance minimizes risk. But not having the right type can hurt. Clearly, general liability covers a range of claims. Also, a major one is accusations of negligence on the part of the company or a staff member. Additionally, it is not uncommon for a piece of equipment to hit a parked automobile.  In addition, someone falls on-site because an employee stretched a cord across a path. Also, general liability coverage defends the company against accusations, the suit, and any costs agreed upon or implemented by the court.
Next, builder’s risk insurance- covers any contractor’s loss to covered property. Also, contractors enter projects that may become victim of natural disaster, fires, vandalism and more. Additionally, builder’s risk insurance covers this possibility.

In addition, there is also a unique package for covering any equipment and material on-site. Also, this is not uncommon as relocating certain tools and heavy equipment can be counterproductive. Additionally, the Contractor’s Tool Floater-protects equipment when it’s not at the primary address in case of theft, fire or another unforeseen incident.

Finally, Arizona general contractor required liability insurance is engineered to respond when unexpected occurrences threaten a contractor’s operations and reputation. Likewise, the expense will more than cover the impact a catastrophic effect can have on the company.

Did you enjoy this blog? Check out our other blogs related to the insurance industry.

Read more

3 years ago · by · 0 comments

Arizona Assigned Risk Pool


Providing adequate coverage to your employees for workers’ compensation may be a requirement, but it is a requirement that is unfortunately difficult for some businesses to comply with. You do have the option of purchasing your coverage through a voluntary insurance company, and this may provide you with the ability to have better control over the costs, coverage and even level of service that you receive. However, some businesses will not qualify for this type of coverage, and they may need to obtain coverage through the Arizona assigned risk pool.

What May Dictate the Need to Be in the Pool:

If you are having trouble obtaining workers’ compensation coverage on your own through a voluntary insurance company, you may indeed need to be in the Arizona assigned risk pool. There are several reasons why you may not be able to obtain insurance on your own. For example, if your company participates in hazardous activities, some voluntary insurance companies may not insure you. When you are denied coverage or are unable to find coverage that is required by law, essentially the state will find it for you. When you are in the assigned risk pool, an insurer will be assigned to provide you with the required coverage.

What to Expect From This Coverage:

While the state may do its part to help you find coverage when you are unable to do so, it is important to note that this is rarely the best option for you. The Arizona assigned risk pool is generally not the most cost-effective solution for businesses. You will first need to apply for coverage by filling out paperwork and submitting it to the state. Then, you will receive notice of the insurance provider who has been assigned to provide you with coverage. The cost is not negotiable, and you will be required to have the coverage in place until you find a voluntary insurance provider who is willing to give you a private policy.
Failing to comply with the state’s requirements to provide workers’ compensation for your employees is simply not an option, but there are instances when coverage is not able to be found. Through the Arizona assigned risk pool, even businesses that cannot obtain coverage on their own will be able to provide their employees with the required coverage. You can learn more about the Arizona assigned risk pool if you are having trouble finding a provider to approve you for a voluntary policy.

Did you enjoy this blog? Check out our other blogs related to the insurance industry.

Read more

3 years ago · by · 0 comments

Arizona Assigned Risk Trucker Pool

Truck Driver

Some trucking companies with a history of poor losses might be required to find insurance through the assigned risk trucker pool.

Employers are required to obtain certain types of coverage for their employees, and self-employed individuals may also be subject to similar requirements. If your business has any work vehicles that you or your employees use, you will be required to obtain automotive coverage with limits established by the state. In some cases, the individual driver, or the entire group of drivers in the business will not qualify for coverage. In a business environment, this is often since the business participates in a high-risk activity. For example, drivers may be placed in the Arizona assigned risk trucker pool when the company hauls hazardous materials. The drivers may also be placed in the pool when they have too many moving violations or accidents.

What is the Trucker Pool?

When truckers are not able to obtain private coverage, they are placed in the Arizona assigned risk trucker pool. Essentially, the state will assign a provider to provide insurance to these drivers so that they meet the requirements for coverage. It should be noted that the rates offered through the pool are generally higher than those that would be available through private insurance. Because of this, many self-employed individuals who have been assigned to this pool as well as many business owners with employees in this pool are trying to find a way to get out of the pool and to find coverage with a private insurer.

How to Overcome the Challenges

Before you can learn how you can get out of the Arizona assigned risk trucker pool, you must determine why you or your employees have been placed in this pool. If the challenge relates to the type of activity that your business does, it may not be possible to find private insurance coverage unless you adjust your business activities. If placement into the pool relates to the driving records of the individuals, steps should be taken to improve their driving history. Moving violations, accidents and other blemishes on a driving record will be removed over time, so the driver simply must drive more safely and to avoid any violations or accidents. As the driver’s record improves, he or she may qualify for private insurance.
The Arizona assigned risk trucker pool is beneficial because it provides those who are unable to obtain required coverage on their own with a means to do so. However, it is more expensive than private insurance. Therefore, those who have been placed in the pool may consider learning more about what steps they will need to take to get out of the pool and to save money on their required coverage.


If you need any help please feel free to contact us.  

Read more

3 years ago · by · 0 comments

Insurance for Contractors in Arizona

YouTube player

First, insurance for contractors in Arizona has been easy to purchase over the years.  Almost everyone nowadays has some type of insurance.  Also, contractors insurance helps business owners protect themselves in the event of negative occurrences, and when it comes to independent contractors and insurance, being covered is just as important. Furthermore, not only should contractors consider investing in insurance for their own protection, but many employers will not even accept bids for jobs without it.

General Liability Insurance for Contractors

Next, general liability coverage provides contractors with coverage if something goes wrong on the job. Additionally, on-the-job injuries and equipment breakage are examples of instances not covered under general liability coverage insurance policies. Also, this type of liability coverage covers not only the contractor, but the hiring entity as well.

Commercial Auto Insurance Coverage for Contractors

Additionally, contractors should have a comprehensive commercial auto coverage package for commercial vehicles as part of their business services. In addition, this coverage protects both the contractor and client if an accident occurs while the contractor is working for the hiring entity. 

Workers Compensation Insurance

Next, workers compensation insurance provides business owners with protection if one of their workers gets hurt while on the job.  Clearly, this is one of the most essential types of contractors insurance.  Without workers compensation insurance, contractors could find themselves subject to lawsuits that could end up demolishing their businesses.

Performance Bonds

Lastly, another type of insurance that you can invest in is a performance bond. Further, performance bonds guarantee that a contractor’s work will be completed satisfactorily. Also, if the job is not completed according to the set standards, then the bond is released for completing or repairing the project. 

Did you enjoy this blog?About Us Check out our other blogs related to the insurance industry.

Need to check the status of a license?

Check out the AZ Registrar of Contractors

Read more

3 years ago · by · 0 comments

High Net Worth Insurance

High Net Worth Investments

It can be hard to tell if you have the right level of insurance to protect your property and family. But, you don’t need to worry – we’re here to help. We offer a range of protection services for high net worth insurance that will keep your basic needs covered and more!

 One of the worries of the wealthy is whether they have enough insurance to protect their property. For high net worth insurance individuals looking for insurance in Arizona, there are many issues that need attention.

Types of Insurance Available for Wealthier Clients

Arizona has a high number of citizens who have a higher net worth. Many individuals with high net worth and property choose Arizona as a place to retire.   What this means for insurers in Arizona, however, is that their client’s have special home and auto insurance needs.  

Life Insurance for Wealthy Clients

High net worth individuals looking for insurance in Arizona should consider having their life insurance policy reviewed. As life and one’s net worth change, it’s important to check the policy so that it protect one’s family, lifestyle, and assets. A solid policy can also help to offset payments on estate taxes.  This may be a serious issue for high net worth insurance individuals looking for insurance in Arizona. An individualized approach can be done with guidance from an insurance agent who specializes in financial management.

Priorities to Consider for Higher Wealth Individuals

Many wealthy individuals in Arizona and elsewhere are putting more and more of their money into tangible assets.  For instance, they purchase items like jewelry, art, and collectible pieces.  Of course, these items can hold their value even as the financial markets become volatile.  When purchasing these assets, however, you must be document and protect them with the right type of insurance for the owner to capitalize on their value.

In Arizona finding an insurer with experience in wealth management and protecting tangible assets is a smart idea. A good insurance agent in Arizona will know that to protect a tangible asset.  Likewise, its value and authenticity must be documented by a reputable appraiser.  Also, these assets must be appraised on an ongoing basis, too, as markets change. This type of documentation will also protect a wealthy owner from fraud and from unforeseen taxes.  Then these pieces can be handed down to other generations.
Having great wealth in Arizona does bring with it certain responsibilities. What really matters is that high net worth individuals looking for insurance in Arizona take the time to do research. Finding an insurance expert to guide you and will protect your assets for your familiy is key.

Check out our other blogs:

Learn about car insurance

Article about home and auto bundles

Need commercial auto insurance?  

Check out 

Need more info: 

Read more

3 years ago · by · 0 comments

Municipality and County Insurance

Municipality and County Insurance

As society changes, municipalities and counties within the United States face new challenges each day finding municipality and county insurance.   This is particularly true in Arizona, where many towns and cities find themselves with increasing populations and an ever-changing socioeconomic picture. Just like individuals, towns and cities in the state need to have various forms of insurance protection in the event something happens, and a claim is filed against them. Whether it is Flagstaff, Show Low, Alpine, Prescott, or many other locations in the state, there are many kinds of municipality and county insurance for municipalities in Arizona.

Law Enforcement Liability

Police departments are some of the most important parts of local government and are also vulnerable to a variety of situations where insurance protection may be necessary. Law enforcement liability insurance gives police department’s protection in the event a claim is filed against them regarding their actions during the line of duty and helps to protect the town or city against litigation.

Workers Compensation

One of the most important types of municipality and county insurance for municipalities in Arizona, workers compensation allows employees who are injured on the job to be compensated for their injuries, while also helping pay for medical treatment and other related expenses. While helping injured employees, it also benefits the town or city by helping to limit the amount of damages they are obligated to pay out for an injury sustained on the job.

Employment Practices Liability

When an employee claims they were treated unfairly on the job, employment practices liability insurance can help protect a city or town if litigation is brought against it by the employee. This type of insurance for municipalities in Arizona can provide funds in the event an employee successfully shows unfair employment practices were committed against them while employed by a city or town such as Payson, Jerome, Wickenburg, or others within the state.

Equipment Breakdown

Towns and cities have millions of dollars invested in equipment used to repair streets, build, and maintain facilities, and fix other problems that may happen over the course of their work. Equipment breakdown insurance can help protect the investments made in this equipment, giving the localities protection in the event the machinery breaks down and needs costly repairs or must be replaced.
While insurance is something that few people ever want to use, having it can bring tremendous peace of mind. This applies not only to individuals, but towns and cities as well. Through these various types of insurance for municipalities in Arizona, the necessary safeguards can be in place if they are ever needed.

Did you enjoy this blog? Check out our other blogs related to the insurance industry.

Read more

3 years ago · by · 0 comments

Wrap Up Insurance

Wrap Up insurance

Wrap Up and owner-controlled insurance policies are provided by an insurance company through an owner or developer. That policy covers the contractors working on a construction site under one policy.

The Benefits of Having Contractors Under One Policy

Many contractors working on buildings like townhouses, subdivisions and multi-family residences don’t have their own insurance coverage. This can leave the developer with a serious liability for injuries incurred on the job. With one policy to cover everyone on the job site, it reduces the litigation in case a claim is filed by a worker or by the future owner of the property over the construction.

Control of the Coverage Details for Workers

When one insurance company covers all the workers, there is never a problem with policy exclusions or canceled coverage. The developer has the control over the type of coverage provided to all his workers on the job site. When each contractor has their own coverage, there is the potential for issues regarding the limits of the coverage provided. Claims are handled more efficiently with one insurance plan covering the entire work site.

Basic Insurance Coverage:

  • General Liability
  • Umbrella Liability
  • Builder’s Risk
  • Workers Compensation
  • Commercial Vehicles
  • Property Damage

Safety Programs for All Workers

A primary feature of the Wrap Up Program is one enforceable safety program that will ensure that all workers follow a certain protocol to avoid accidents and damages. All contractors might not have their own safety programs, which can result in injuries. A safe workplace where everyone follows safety procedures results in a construction that is finished on time without injury and delays.

Contractors Who are Eligible

When developers use Wrap Up and owner-controlled insurance policies, they expect that contractors will bid on the job without the costs of insurance included. They will be charged for the insurance used by the developer, but the contractor’s insurance can cover the operations outside of the Wrap Up coverage.

Add-On Coverage:

  • Pollution Liability
  • Contractors Professional Liability
  • Railroad Protective Liability
  • Builder’s Risk
  • Installation and Contractor’s Equipment Floater

Wrap up and owner-controlled insurance policies protect everyone working on the construction site. They are a great way to ensure that everyone has the same protection too. If there is ever a claim made against the workers, it can be handled with one policy, and there’s no finger pointing or delayed action.

Did you enjoy this blog? Check out our other blogs related to the insurance industry.

Read more

3 years ago · by · 0 comments

Cost of Contractors Liability Insurance

Contractors Liability Insurance

First, the cost of contractors liability insurance in Phoenix AZ will be determined by a range of factors.  In addition, it is critical for every company and project to have protection. Also, general liability not only safeguards you financially, but it also earns top quality talent and clients.

What Contractor Needs Liability Insurance?

You all do. As a contractor, the cost of contractors liability insurance Phoenix Arizona will prepare you for the worst. In addition, there are contractors that work directly with government agencies or specific businesses. Also, their employers may be responsible for liability insurance. Further, most contractors contract their services to third parties. Also, whether these are businesses or individuals, these contractors are required to have sufficient general liability insurance.

Next, it does not matter if your business is a general, artisan or subcontractor. Clearly, an accident can ruin your reputation and, in many cases, destroy the business. Likewise, there are specific liability policies for the mason, electrician, plumber, roofer, framer, or tiler. Also, the cost of contractor’s liability insurance Phoenix AZ will be impacted by several things.  For example, the types of equipment on site, type of project, number of employees, and location all affect the premiums.  Also, there can be discounts or other incentives if safety standards and precautions are in place.

What is the Cost of Contractors Liability Insurance Phoenix Arizona?

Regardless of the cost of liability insurance, the moment you find yourself needing it, the policy becomes invaluable. Likewise, consider the repercussions if you did not have coverage. Additionally, an accident that is not your fault could have a dynamic impact on your business. For example, imagine a distracted driver watching your crane and absently hitting one of your employees. Also, an electrician falls off a scaffold and is seriously injured. Furthermore, your machinery creates unintentional damage to someone’s residence. Without coverage, you end up carrying all expenses related to the incident. Also, you could land on the defendant’s side of a legal dispute. Additionally, word gets out your business is in trouble, making it difficult to get new projects and clients.

Those are the costs to consider.

Finally, if you’re looking at the cost of contractor’s liability insurance, don’t look solely at dollars coming out of your budget. Clearly, look at what you need to safely manage your operations, protect anyone and everyone who could potentially be hurt and how you want your reputation to be viewed.

Did you enjoy this blog? Check out our other blogs related to the insurance industry.

Read more