Protection For Your Business Exposures
All Arizona Insurance, Inc. is an independent insurance agency. This is a benefit for the client because with many insurance companies to choose from, we can shop the risk, and use the insurance company that best meets the client’s needs at the best premium.
There are 3 categories for commercial insurance.
Preferred Risks, Standard Risks, & Excess Lines Risks.
1) The preferred risks are the cream of the crop, many of the risks are insured with a package policy sometimes referred to as Business Owners Policies or BOP’s. Low risk with low premiums.
2) In the United States, standard lines covers all mainstream insurance policies. See list below to name a few.
3) The third category Excess Lines insurance, offer specialty commercial insurance for such businesses as special event insurance, ambulance malpractice, liquor liability, products liability etc. The Excess Lines insurance is where higher risk exposures are placed. The Excess Lines companies are not required to be licensed in the states they issue policies and are referred to as non-admitted insurers. This gives them more flexibility and means they can perform faster because they do not file forms or publish rates as the standard group does.
All Arizona Insurance, Inc. • 8145 E. Evans Rd. #6 Scottsdale, AZ 85260 • (480)443-1973 • firstname.lastname@example.org
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