Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
One local agent for your business auto, liability and workers comp.
Most businesses carrying commercial insurance in Peoria, AZ have four separate exposures and only two policies. We will show you which two are missing, what your contracts actually ask for, and what it takes to close the gap.
Get a commercial quote
Tell us about the business. We compare several carriers and call you back with options.
No robo-dialers and no spam calls. A local agent follows up personally. Sending this does not bind coverage.
5.0 on Google and Facebook
A growing list of carriers
SIAA member agency
A local agent who picks up
One agent, the whole package
Most businesses need more than one policy. We quote them together, so nothing falls between two carriers and you have one person to call.
Commercial auto
Work trucks, vans, pickups and company vehicles.
General liability
Claims that your work caused injury or damage.
Workers comp
Your crew, if someone is hurt on the job.
Business owners policy
Liability and property bundled for a small business.
Businesses we work with
Hard-to-place business? Through our agency network we can also reach specialty markets for businesses that standard carriers turn down.
How it works
1
Tell us about your business: the work, the vehicles and the crew.2
We compare several carriers for the whole package: auto, liability and workers comp.3
A real person from our office calls you back with options. No robo-dialers.Start here
General liability covers harm you do to other people and their property. Commercial auto covers the vehicles, because a personal auto policy excludes business use and applies that exclusion when the claim is filed. Workers compensation covers your employees, and Arizona requires it from the first person you hire. Tools and equipment covers your own property, which none of the other three touches.
The most expensive misunderstanding in small business insurance is treating general liability as a blanket. It is not. It is one policy of four, and it explicitly excludes your own employees, your own vehicles and your own tools.
For a business with premises, general liability and commercial property are usually packaged together as a business owners policy, which is normally cheaper than buying them separately and usually includes business interruption cover.
Business insurance in Peoria, AZ is written the same way whether you are a two-person shop or a crew of twelve: small business insurance in Arizona is priced on what you actually do rather than on a category. Ask for business insurance quotes from a commercial insurance agent in Arizona who will read the contract first, because the wording is where the coverage lives.
Bring your contracts to the quote. General contractors, landlords and municipalities specify limits, and some specify additional insured status and other wording that changes the policy rather than just the certificate.
At a glance
Small business coverage
Every business
General liability. It is what everyone asks to see.
Any business with a vehicle
Commercial auto, including sole traders with one truck.
Any business with an employee
Workers compensation. Required in Arizona. ARS 23-902.
Any business with premises
Commercial property, usually packaged as a BOP.
Any business with tools
Inland marine, which follows the tools rather than the vehicle.
The menu
Each of these has its own page explaining what it does, what it excludes, and where it is usually written too thin.
The picture
A contractor with one truck, one helper and a garage full of tools is carrying all four of these exposures whether or not there are four policies in the file.
The two most often missing are workers compensation, because the first hire happened quietly, and tools and equipment, because everyone assumes the auto policy covers what was in the truck. It does not.
The fifth thing, not drawn here, is the certificate. General contractors and property managers will not let you on site without proof, and they specify the wording. Getting that right the first time is most of what an agent does on a commercial account.
Four separate policies around one business. None of them covers what the others do.
This is the single most common gap we find on a small business account.
Personal policies used for work
Personal auto contains a business use exclusion applied at claim time.
Homeowners generally excludes business property and business liability.
Neither will satisfy a general contractor asking for a certificate.
The gap is invisible until the claim, which is the worst time to find it.
Commercial policies
Written for business use, so there is no argument about what you were doing.
Limits matched to what your contracts actually require.
Certificates of insurance issued, with additional insured wording where needed.
One agent holding the liability, the vehicles, the crew and the tools.
No pressure, no runaround
1
Call or send the 60-second form
Reach out by phone or fill out the short quote form with a few basic details.
2
We compare carrier rates for you
We run your details across the top-rated carriers that write in your area and line up the coverage that fits your situation.
3
You pick the coverage, we handle the paperwork
Choose the option that works best for you and we take care of the paperwork from there.
You run the business. We do the shopping. As an independent agency in Peoria we are not tied to one insurance company, and on the commercial side we have even more markets open to us than on personal lines, so a trade that one carrier turns away is rarely a dead end.
Commercial insurance is where a comparison site is least useful, because the coverage that matters is in wording rather than in price. Additional insured status, waiver of subrogation, primary and non-contributory, products and completed operations: those phrases change the policy and none of them appear on a price comparison.
What to bring
A plain description of the work you actually do
Annual revenue and payroll, since liability and workers comp are rated on them
Any contract that specifies insurance requirements, in full
Your ROC license number if you hold one
A list of vehicles, and a rough value for the tools that travel in them
The Hartford, Travelers and Nationwide are all long-standing small commercial markets and all three are appointed here. They are a starting point, not the whole list: new commercial appointments keep being added.
Questions people actually ask
Do I need business insurance as a sole trader?
General liability, almost certainly, because general contractors, landlords and municipalities require proof of it before you can work. Commercial auto if you use a vehicle for the business. Workers compensation only once you employ someone, but that trigger is one employee under Arizona Revised Statutes 23-902.
Does general liability cover my tools and my truck?
No to both. General liability covers harm you do to other people and their property. Your tools need inland marine and your vehicles need commercial auto. This is the most common misunderstanding on a small business account.
When does Arizona require workers compensation?
Arizona Revised Statutes 23-902 makes employers subject to the workers compensation chapter once they employ workers regularly employed in the business, with a narrow exception for domestic servants. Part-time and seasonal employment counts.
Can you issue certificates of insurance?
Yes. Send us the certificate request or the contract page with the exact wording required, including any additional insured or waiver of subrogation requirement, and we will get it issued correctly the first time instead of rejected and reissued.
What is a BOP and do I need one?
A business owners policy packages general liability with commercial property, usually including business interruption. If your business has premises, contents, inventory or equipment, a BOP is normally cheaper and simpler than buying the two separately.
Free and no obligation
At Shield of Faith Insurance, we make it easy to compare options for your business. Commercial auto, general liability, workers comp and a business owners policy can all sit with one local agent in Peoria, AZ.
Contact our Peoria office today to request your free, no-obligation insurance quote and discover how we can help you protect what matters most.
What happens next
1
Tell us about your business: the work, the vehicles and the crew.2
We compare several carriers for the whole package: auto, liability and workers comp.3
A real person from our office calls you back with options. No robo-dialers.
Service area
We proudly serve Peoria and the surrounding communities, helping Arizona residents secure coverage that fits their lifestyles and budgets.
Peoria, AZ 85383
Office visits by appointment
Call or text anytime during the business week. Evenings and Saturdays by appointment.
In their words
5.0 stars across Google and Facebook
“
Great experience with this insurance agent! He helped me find a good price for my car insurance and made the whole process easy and stress-free. Very helpful, honest, and professional. Highly recommend!
RY
Ramez Y.
I had a great experience with Shield of Faith Insurance! Mena took the time to understand our family's needs and explained each part of the coverage clearly. He helped us set up a home insurance policy with stronger protection and bundled it with our auto insurance for a package at a lower cost. What stood out most was his honesty and patience, he focused only on what truly benefited us, making the whole process simple and stress-free. We now have better coverage and peace of mind thanks to Mena. Highly recommend!
Hanna K. · Google and Facebook
Shield of Faith Insurance made getting renters insurance simple and affordable, after talking to a few other brokers, they were the ones who helped me get the best coverage with no stress!
Ahmad F. · Google and Facebook
I had a really good experience working with Shield of Faith Insurance. I needed new rental insurance as I was moving apartments. I got sent details on the policy next day and all I had to do was sign the forms. I ended up with a really good deal and saved about 20% compared to my old policy. I reached out to him again about auto insurance as well. I have had Geico for over 5 years and my premiums had only gotten more expensive. He somehow ended up getting me more coverage for half the price I was paying before. The entire process was easy and Mena was very responsive to email and text. Would highly encourage you to take a look and see what type of deals he can make for your insurance policies.
David G. · Google
I had a fantastic experience with Shield of Faith Insurance! Mena was incredibly patient and took the time to walk me through every detail of the coverage options. He made sure I understood the benefits clearly and only recommended what truly made sense for my specific situation. Thanks to Mena, I now have an auto policy that provides much better coverage at a significantly lower cost than what I was paying before. The entire process was smooth and efficient. He handled most of the backend work, which saved me a lot of time and hassle. If you're looking for an honest, knowledgeable, and helpful insurance agent, I highly recommend Mena at Shield of Faith Insurance!
Sara Z. · Google
Every review above is quoted in full from Google or Facebook. Read all of them.
Send the insurance requirements page to our office. We will quote to it line by line instead of to a round number.
