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General Liability Insurance

General Liability Insurance is an insurance that protects you and your business against any unwanted financial losses caused by property damage. This takes coverage against any legal damages in case a client were to sue you, saving you from millions of dollars worth in damages or claims. Here at Southern State Insurance Services we understand the integrity and responsibility you demonstrate to your business, offering you the best protection here in Arizona for your business in any given situation.

Learn more below

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The short answer: stuff happens. Arizona is no different than any other state where that’s concerned. Stuff happens. Stuff you didn’t anticipate. Stuff that can end up costing someone a lot of money, and you don’t want that someone to be you. General liability insurance is a solution.

Arizona contractors face the same risks as contractors everywhere else.  An accident at your place of business or at a work site could result in injury or property damage and a law suit against your business.  The work that contractors and subcontractors do can be dangerous. Excavators and electricians and roofers and people who work with power tools or heavy equipment face far more dangers on the job than the average office worker, for example. Arizona general liability insurance can keep you from being bankrupted by a serious worksite accident.

You may be wondering, “Why do I need general liability insurance if worksite accidents are covered through Worker’s Compensation?” The simple answer is that Worker’s Compensation Insurance replaces some of the wages a worker may lose due to an accident and pays some of the injured worker’s medical bills. But it won’t help you if you lose a lawsuit related to a worker’s on-the-job injury.

Some risks contractors face are not as obvious as a worksite accident. Suppose you install a lighting fixture in a house you’re remodeling for a residential client. The fixture turns out to be faulty and causes a fire. The house will need extensive reconstruction, and the homeowner will need temporary housing in the meantime. And there are big medical bills for treating injuries suffered during the fire. The company that manufactured the malfunctioning lighting fixture has gone out of business. So guess who gets sued? Or, suppose that a visitor to your place of business trips and falls and sues you for negligence. Such exposure to risk can also be offset by Arizona general liability insurance.

Clients and contractors you work with in Arizona expect you to be covered by general liability insurance.  They’re probably not worried about what would happen to your business if you lose a law suit.  They simply want to make sure that if you get sued and lose, you will be able to pay up. They may even require you to carry a certain amount of general liability coverage as a condition for working with them.  The type and amount of insurance your business carries may be the deciding factor in whether or not you win a contract.
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The rule of thumb with most insurance is: the higher the deductible, the lower the premium. In other words, you take on the risk of paying more out of your own pocket later for lower premium payments now. Unfortunately, most people worry more about current expenses than about something that might happen sometime in the future, or not at all. The question for contractors is, how much could you afford to pay out of pocket if you had to pay it tomorrow? If the answer is $5,000, you don’t want your general liability insurance policy to have a $10,000 deductible. Arizona contractors can choose to have the same deductible for bodily injury as for property damage, or have a higher deductible for one than for the other.
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General liability insurance is a must for contractors working in the state of Arizona, but by itself it is not enough. As a Arizona contractor, you need to have an overall insurance strategy that protects your business in a number of ways. Your strategy will include Worker’s Compensation as well as general liability insurance, and may also include more specialized insurance for situations not covered by either of those. You may also want to consider excess/umbrella coverage, insurance for materials and tools in transit from one location to another, and builder’s risk coverage.
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Southern State Insurance is a company that works with various carriers in order to provide our clients with more options and more competitive rates. Some of the carriers we have partnered with are:
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NOTICE:

We are not a marketing company. We do not sell your information, all information goes directly to an expert insurance broker. Serious inquiries only.

AZ LIC= 1084371

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[av_testimonial_single src=” name=’Anwaar S.’ subtitle=’Chula Vista, CA’ link=’http://’ linktext=”]
“Most agents sell you an insurance policy and forget about servicing it. I am glad to know that my agent is not like that. Very attentive to my needs and I get my certificates right the way Thank you again for being great agent”
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[av_testimonial_single src=” name=’Joe R.’ subtitle=’San Jose, CA’ link=” linktext=”]
“Southern State Insurance has been our provider of business liability insurance for the past 2 years. They are very responsive when need anything, and we find their pricing to be competitive. We are happy with the insurance services we have with Southern State.”
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[av_testimonial_single src=” name=’Chris C.’ subtitle=’Fresno, CA’ link=” linktext=”]
“Great company,great service Anyone who answers the phone is able to take care of all my requests… Nick,Carolina,Karen or Alfa
Good price and even better service”

Owner Colbern Communications
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[av_testimonial_single src=” name=’Attila V.’ subtitle=’San Diego, CA’ link=” linktext=”]
“After being ripped off at other insurance places i came down to this office where they were able to get me a significantly lower rate and got rid of my previous issue i had with my other company. everyone was friendly and cheerful 6 months later i got a call from Alfa who was so nice she was able to get my insurance down another 5$ monthly and still keep my benefits. I’m definitely sticking with these guys forget those other rip offs.”
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