Rated 4.8 out of 5.0 by Phoenix businesses
Insurance Company in Phoenix
An independent Phoenix insurance company comparing 10+ top-rated carriers to protect your business for less — commercial packages, general liability, workers’ comp, commercial property and auto, cyber, E&O, umbrella, and more. Get your free quote in minutes.
4.8★
86+ Google reviews
30+ yrs
Serving AZ since 1996
10+
Top carriers compared
Independent
We work for you.
Licensed
Arizona
Your local insurance company in Phoenix.
Reviewed by Sir Maple • Licensed Arizona Insurance Agent • Updated August 2026
Phoenix businesses choose Rate Crushers because we bring the experience and reliability you need when it matters most. As an independent agency, we shop 10+ carriers so you get dependable protection at a price that fits your budget — from a Business Owners Policy to workers’ comp, commercial property and auto, cyber, and specialty coverage.
Phoenix Business Insurance: Key Takeaways
- ✓Rate Crushers is an independent insurance company in Phoenix, AZ, comparing 10+ top-rated carriers since 1996.
- ✓We cover businesses of every kind — BOP, general liability, workers' comp, commercial property & auto, cyber, and E&O.
- ✓Arizona requires most employers to carry workers' compensation insurance. [1]
- ✓Specialty and surplus-lines access means we can place hard-to-insure and high-risk businesses too.
- ✓Se habla Español. Free business quotes online or at (602) 975-0944 — no obligation.
Sources: [1] Industrial Commission of Arizona (ICA).
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Request a quote
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Discount check
We’ll gather some basic info and uncover all possible discounts.
Select a plan
We’ll compare rates to find a plan that meets your needs and budget.
SE HABLA ESPAÑOL
Spanish Speaking Insurance Company in Phoenix
Se habla Español. As a Spanish-speaking insurance company in Phoenix, we make protecting your family and business easy in the language you’re most comfortable with. Our bilingual team explains your options clearly and finds you the best price on personal and commercial coverage.
Atención personalizada en español para su auto, casa y negocio — llámenos al (602) 975-0944 para una cotización gratis.
EXTRA PROTECTION
Umbrella Insurance in Phoenix
Umbrella insurance adds an extra layer of liability protection — typically $1 million or more — on top of your auto, home, or business policies. If a lawsuit exceeds your underlying limits, your umbrella kicks in to protect your assets and future income.
We’ll right-size an umbrella policy so one bad day doesn’t cost you everything you’ve built.
FOR EVERY INDUSTRY
Commercial Insurance in Phoenix
From storefronts to service businesses, we protect Phoenix companies with tailored commercial insurance. As an independent agency we compare 10+ carriers to package the right coverage — property, liability, and more — at a competitive price.
Whatever your industry, we’ll build protection that fits your operation and your budget.
BUNDLE & SAVE
Business Owners Policy (B.O.P.)
A Business Owners Policy (BOP) bundles general liability and commercial property into one convenient, cost-effective package — ideal for small and mid-sized Phoenix businesses. Add business interruption, equipment, and more as you grow.
We’ll compare BOP options across carriers so you get broad protection for less than buying each policy separately.
THIRD-PARTY CLAIMS
General Liability Insurance in Phoenix
General liability insurance protects your business from third-party claims of bodily injury, property damage, and advertising injury — the coverage most clients, landlords, and contracts require.
We’ll make sure your Phoenix business meets its obligations and is protected if someone files a claim against you.
REQUIRED IN AZ
Workers Compensation Insurance in Phoenix
Arizona requires most employers to carry workers’ compensation insurance. It covers medical bills and lost wages if an employee is injured on the job — and protects you from related lawsuits.
We shop workers’ comp carriers to keep your Phoenix business compliant and your premiums as low as possible.
PROTECT YOUR ASSETS
Commercial Property Insurance in Phoenix
Commercial property insurance protects your building, inventory, equipment, and furnishings against fire, theft, storms, and more. Whether you own or lease your Phoenix space, we’ll value your assets correctly.
Secure replacement-cost coverage so a loss doesn’t shut you down — we’ll compare carriers to find the best price.
ONE TRUCK OR A FLEET
Commercial Auto & Fleet Insurance in Phoenix
Vehicles your business relies on need commercial auto coverage, not a personal policy. From a single work truck to a full fleet, we insure Phoenix businesses with liability, physical damage, and hired/non-owned auto coverage.
We’ll build a policy that keeps your drivers, your vehicles, and your bottom line protected on Arizona roads.
DEFEND YOUR WORK
Professional Liability Insurance in Phoenix (E&O)
Professional liability — errors & omissions (E&O) — protects service providers from claims of negligence, mistakes, or failure to deliver. Consultants, agents, contractors, and professionals across Phoenix rely on E&O to defend their work.
We’ll match you with carriers that understand your profession and the risks you actually face.
BREACH PROTECTION
Cyber Liability Insurance in Phoenix
A data breach can cripple a business. Cyber liability insurance covers the costs of breaches, ransomware, and cyberattacks — notification, recovery, legal fees, and liability.
As threats grow, we help Phoenix businesses of every size add affordable cyber protection before an attack, not after.
HARD-TO-INSURE RISKS
Specialty & Surplus Lines Insurance in Phoenix
Hard-to-insure risk? Some businesses and exposures don’t fit standard carriers — that’s where specialty and surplus lines come in. We have access to surplus-lines markets for unusual, high-risk, or hard-to-place coverage across Phoenix.
So “no one will insure me” becomes “covered” — tell us about your risk and we’ll find a market for it.
BUILT FOR TRADES
Contractors Insurance in Phoenix
Contractors need more than general liability — you may need tools and equipment coverage, a surety bond, workers’ comp, and commercial auto. We build complete insurance programs for Phoenix contractors and tradespeople.
So you can bid jobs, meet requirements, and work with confidence — all from one local, independent team.
We make shopping for insurance quick & painless
Ready to get started? Our Phoenix team will go to work comparing carriers to find a plan that meets your needs and budget.
What Phoenix residents say about us
Visit our Phoenix office
Rate Crushers Insurance Brokers
5843 W Indian School Rd, Phoenix, AZ 85031
(602) 975-0944
Phoenix Business Insurance FAQ
Everything from a Business Owners Policy (BOP) to general liability, workers’ compensation, commercial property and auto, professional liability (E&O), cyber, contractors, umbrella, and specialty/surplus lines.
Yes — most Arizona employers must carry workers’ comp (per the Industrial Commission of Arizona). We’ll keep your Phoenix business compliant and shop carriers for the best rate.
Often, yes. We have access to specialty and surplus-lines markets for unusual, high-risk, or hard-to-insure exposures that other companies decline.
A BOP bundles general liability and commercial property into one cost-effective package for small and mid-sized businesses — usually cheaper than buying each policy separately.
Yes — se habla Español. Our bilingual team helps you protect your business in the language you’re most comfortable with.
Sir Maple — Rate Crushers Insurance Brokers
Sir Maple has helped Phoenix businesses find the right coverage since 1996. As an independent agency, Rate Crushers compares 10+ top-rated carriers — including Safeco, Allstate, Travelers, and Nationwide — to secure the best price on commercial, BOP, workers' comp, cyber, E&O, and specialty coverage across Arizona. Se habla Español. Call (602) 975-0944 or start a free quote online.
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