Whether you’re a one-person shop or running a multi-location operation, the type and size of your business significantly influence the kind of insurance coverage you need. At Riseson Insurance , we help businesses throughout Tempe Tempe Tempe , Phoenix Phoenix Phoenix , Scottsdale Scottsdale Scottsdale , Tucson Tucson Tucson , Gilbert Gilbert Gilbert , and Chandler Chandler Chandler tailor policies to fit their specific risks—no matter how big or small they are.

The industry you operate in determines your risk exposure , which influences the type and amount of coverage you’ll need. For example:

Construction and contracting businesses need strong general liability , workers’ comp , and tools & equipment coverage due to high-risk, physical work. Retail businesses often need product liability , property insurance , and business interruption coverage. Professional services (accountants, consultants, etc.) require professional liability (E&O) to cover errors and omissions. Restaurants and food services need specialized policies for food spoilage, liquor liability, and kitchen equipment.

Each industry brings unique exposures—so a “one-size-fits-all” policy won’t cut it.

The size of your business—measured by revenue, number of employees, and physical footprint—also plays a big role in shaping your insurance plan.

1. Small Businesses (1–10 employees)

Usually start with a Business Owner’s Policy (BOP) , which bundles general liability and property insurance. May add cyber liability , commercial auto , or workers' comp as they grow.

2. Mid-Sized Businesses (10–50 employees)

Require more tailored policies, including umbrella liability , EPLI (employment practices liability insurance) , and higher coverage limits. May face growing risks like employee lawsuits or data breaches.

3. Large Businesses (50+ employees or multiple locations)

Often need custom packages with specialty coverage, such as directors & officers (D&O), commercial fleet policies, or inland marine. Risk management becomes a larger component of the insurance strategy.

Business insurance is not just about industry and size—it's also about location-specific risks, such as Arizona 's extreme weather or regional economic conditions. At Riseson Insurance, we specialize in guiding local businesses across Tempe, Phoenix, Scottsdale, Tucson, Gilbert, and Chandler to coverage that aligns with both their operational and geographic realities.

Every business is unique—and your insurance should reflect that. Whether you’re launching a new venture or expanding your operations, Riseson Insurance is here to help.

Reach out to Riseson Insurance in Tempe to get a customized business insurance quote. Call us today at 602-460-5470 and let’s build a plan that grows with your business.

How theNature of Your BusinessAffects Insurance Needs How the Nature of Your Business Affects Insurance Needs

How theSize of Your BusinessImpacts Your Coverage How the Size of Your Business Impacts Your Coverage

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• Construction and contracting businesses need strong general liability , workers’ comp , and tools & equipment coverage due to high-risk, physical work.
• Retail businesses often need product liability , property insurance , and business interruption coverage.
• Professional services (accountants, consultants, etc.) require professional liability (E&O) to cover errors and omissions.
• Restaurants and food services need specialized policies for food spoilage, liquor liability, and kitchen equipment.

• Usually start with a Business Owner’s Policy (BOP) , which bundles general liability and property insurance.
• May add cyber liability , commercial auto , or workers' comp as they grow.

• Require more tailored policies, including umbrella liability , EPLI (employment practices liability insurance) , and higher coverage limits.
• May face growing risks like employee lawsuits or data breaches.

• Often need custom packages with specialty coverage, such as directors & officers (D&O), commercial fleet policies, or inland marine.
• Risk management becomes a larger component of the insurance strategy.