Hero CTAs: Get a Commercial Quote · General Liability
Independent commercial insurance for Tempe, AZ — Mill Avenue restaurants and bars through ASU vendors through Cactus League hospitality through tech-corridor startups. From our Tempe office.
Tempe’s commercial insurance market is heterogeneous. Mill Avenue’s bar and restaurant density is the highest in the East Valley; ASU and Diablo Stadium drive a vendor ecosystem; the Tempe-Chandler tech corridor produces SaaS startups; and Marina Heights / Tempe Town Lake drive boutique professional services. Each of these has different commercial coverage stacks. Hicks Insurance Group is independent with carrier access for each.
This page goes coverage-by-coverage through what a commercial policy actually does. For the parent overview of all Tempe insurance services, see Tempe Insurance.
The packaged starter policy for most Tempe small businesses. Combines:
Default BOP limits are typically $1M occurrence / $2M aggregate GL + your scheduled property values. Tempe-specific tip: BOP works for office-based businesses but is often inadequate for:
For businesses that need GL but not a full BOP (or that need higher GL limits than BOP allows):
Building, contents, business personal property, inventory, equipment, signage.
Statutory in Arizona for any business with 1+ employees (with limited exceptions). Covers medical bills + lost wages for employees injured on the job.
See Hicks workers’ compensation →
For business vehicles or personal vehicles used substantially for business.
Covers data breach response, ransomware, business email compromise, regulatory fines, customer notification, credit monitoring, forensics.
Errors and omissions coverage for businesses providing professional advice or services:
Mill Avenue restaurants and bars. GL + liquor liability + workers’ comp + property + commercial auto for delivery + cyber for POS systems. Mill Avenue’s bar density means liquor liability is non-negotiable.
ASU vendor contracts. Many require specific minimum GL limits, additional-insured language, and waiver-of-subrogation clauses. We read the contract before quoting.
Cactus League / Diablo Stadium hospitality vendors. Spring Training is a 6-week revenue surge; vendor commercial coverage needs to handle event-density risks.
Tech-corridor SaaS startups. Cyber + E&O combined; contract-driven limits; venture-capital-backed boards may require D&O.
Marina Heights professional services. Boutique law / financial advisory / consulting practices need E&O + cyber + commercial property + EPLI (employment practices liability).
Construction contractors. GL + commercial auto + workers’ comp + tools/equipment + builders risk for active projects.
See Hicks contractors insurance →
See Hicks restaurants & bars →
We compare:
You get a stack designed for your specific business, not a generic small-biz package.
Commercial Quote → · General liability · Cyber insurance · Workers’ compensation
See Tempe Homeowners Insurance · See Tempe Auto Insurance · Back to Tempe Service Area
Give us a call today and we can help.
If you are new to Hicks Insurance, you probably have some questions. Let's help you get some answers.
If you cause an accident, be prepared to pay your deductible. After you’ve done that, your insurance company should pay the remaining costs, including damages or medical expenses you caused to other parties involved.
Your business insurance needs are as unique as your business itself. While all businesses need certain types of coverage—general liability, business property, and workers’ compensation, for example—your other needs hinge on your type of business. If, for example, you use vehicles in your line of work, you need business auto insurance. Similarly, businesses that manufacture a product should consider product liability insurance. Talk to your agent to determine your exact needs.
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