Business Insurance Products

Get a FREE Business Insurance Quote today!

Protect your business, employees, family and yourself while saving $$$ on your business insurance premiums ... get a free quote for the Arizona or Texas business insurance policy that you are looking for from Pacific Reserve Inc today!

Get a free business insurance quote today.

Our Business Insurance Products List

We have listed below many ( but not all ) of the unique business insurance product lines that we quote and broker for Arizona and Texas.  Please scroll down to find more information about the business insurance product(s) you are looking for.  

If the insurance product you are searching for happens to not be listed below, please feel free to contact us for more information for a free quote too!

We specialize in the following insurance coverage’s ...

Texas and Arizona Charter School Insurance

Texas and Arizona Charter School Insurance

Pacific Reserve Inc has partnered with the Arizona Charter School Association as a premier vendor listed on their AZ Charter MarketPlace.  More info about Charter School Insurance here ...

Technology Liability Insurance

Technology Liability Insurance

Our Technology Liability Insurance can assist technology professionals of all sizes, obtain proper coverage for their needs in an ever-changing environment of unusual risks and consumer protection needs. More info about Technology Liability Insurance here ...

Adult and Childrens Daycare Center Insurance

Adult and Childrens Daycare Center Insurance

Our child care insurance packages are written by A++ rated carriers and offer excellent coverage for ...

  • for-profit daycare centers
  • nonprofit daycare centers
  • residential in-home daycare centers
  • commercial daycare centers

We have additional markets for day cares that are registered nonprofit 501(c)(3) organizations.

    

Pacific Reserve Inc Adult Day Care Insurance is uniquely designed to fulfill a wide range of special insurance for both non-profit and profit Adult Daycare businesses.  Each policy is tailored to address each Day Care's unique exposures. 

  • Abuse and Molestation coverage available.
  • Professional Liability Available for Employed Nurses.
  • Large Excess Limits available.
  • Commercial auto coverage for vans and buses.

We offer separate limits for General Liability, Professional Liability and Abuse and Molestation.

Call us today at 480.990.4740 to find out how we can help you save premium $$ too!

Agribusiness Insurance

Agribusiness, or crop insurance, is purchased by farmers and ranchers to protect themselves against lost of their crops. Agriculture insurance is divided into two distinct categories, crop-yield insurance and crop-revenue insurance.

Crop-Yield Insurance

Since hail damage to agriculture is isolated, so it does not overwhelm the capital reserves of insurance companies. For this reason, it is grouped together with multi-peril crop insurance (MPCI). MPCI covers excessive rain and drought. It can also cover insects and agriculture diseases.

Crop-Revenue Insurance

Crop prices are, to a certain extent, pre-determined by the futures market. The futures market gives a farmer a single guaranteed prices for his/her crop. If the actual yield is less than the guarantee, crop-revenue insurance pays in indemnity. Crop-revenue insurance protects the farmer from falling prices during the growing season.

Apartment Buildings Insurance

All apartment buildings will be considered, including:

  • Electrical systems on fuses (25 amp maximum) or circuit breakers
  • Elevators
  • Multiple detached units on one lot
  • Multiple stories
  • No manager on premises
  • Older structures
  • Pools, Spas & Jacuzzi's (completely fenced - five feet high and gated)
  • Studio apartments
  • Subterranean parking
  • Vacant buildings acceptable

Program highlights include high liability limits, competitive prices, new businesses accepted and no prior insurance required. 

Auto Garage Shop Insurance  

 All auto garage applicants will be considered for this program, including:

  • Alarm sales and installation
  • Detailing and hand car wash
  • Glass sales and installation
  • Stereo sales and installation
  • Upholstery
  • Window tinting
  • Muffler shops
  • Oil and lube shops
  • Transmission shops
  • Tune-up shops
  • Body repair
  • Frame repair
  • Paint shops
  • and many more!

New businesses accepted and no prior insurance required.

Bars and Taverns Insurance  – Liquor Liability Insurance

All bars and taverns will be considered for this program, including:

NEIGHBORHOOD TAVERNS

  • Cooking (grills)
  • Jukebox music
  • Karoke

SPORTS BARS

  • Big screen TVs
  • Pool tables
  • Video games

NIGHT CLUBS

  • Dance floors
  • Live entertainment
  • Exotic dancing
  • DJ’s
  • Piano bars

New businesses accepted and no prior insurance required. Assault and battery is not excluded.

Bonds:  Surety and Fidelity Insurance  

Surety Bond Definition:  A Surety Bond is an agreement subject to the Bond Form. The Bond is usually required for monetary compensation for failure to perform specified acts referenced in the Bond Form.  A Surety Bond is a generic name for all bonds.  

We are "the market" for the following bonds:

  • Judicial and Appeal Bonds
  • License Bonds
  • Permit Bonds
  • Bid and Performance Bonds
  • Utility Bonds
  • Notary Bonds
  • Miscellaneous Bonds

We have a simplified program for small contractors doing jobs up to $50,000.00.  However, we can write bonds for larger contractors up to $10,000,000.00.

Business Liability Insurance

Business Liability Insurance provides business owners with financial security in difficult situations. If an injury or death or a key partner or employee compromises the business' ability to pay back outstanding loans, business Liability insurance helps protect the business by making payments toward the loan payment or paying down outstanding loans (depending on the type of insurance).

Business Loan Guarantee Insurance

Small businesses need capital in order to start and expand. Many small business owners take out a business loan, but since the small business is new or does not make enough to guarantee repayment of the loan, a business owner may have to offer a personal guarantee. A personal guarantee offers the business owner's personal assets as payment if the business defaults on the loan. This is where business loan guarantee insurance comes into play. In the event a business defaults on a loan, the business loan guarantee insurance will pay off the loan so the business owner does not have to sell personal assets. Many business owners think they are safe.

Consider the following:

  • The death of a key operator/owner can dramatically reduce the income of the business, especially if that individual plays a key roll in the company.
  • If you leave your business to heirs, business loan guarantee programs protects your heirs from the business debt burden.
  • Are you prepared to give up your home and personal possessions if you cannot repay the loan?

Business Loan Guarantee Insurance provides business owners with financial security in difficult situations. 

Commercial Business Insurance

Coverage for businesses for protection against potential losses through unforeseen circumstances including ...

  • theft
  • liability
  • property damage
  • interruption of business
  • injured employees

New businesses are accepted and no prior insurance is required.

Compliance Insurance

We offer various lines of compliance insurance for both Arizona and Texas, including:

  • Adult Care
  • Child Care
  • Charter Schools
  • After School Programs
  • Food Service

Note: Compliance is the state of being in accordance with the relevant Federal or regional authorities and their requirements.  In the context of financial services, the most important compliance rules come from the Securities and Exchange Commission. Most large financial services companies have compliance teams whose role is to take an independent stance in making sure that the company is following all the necessary rules and regulations.

Contract Litigation Insurance

Contract litigation insurance provides coverage against paying the prevailing party's attorneys' fees. This insurance is available to individuals, businesses and corporations. In most cases, the winning party in a lawsuit wins the right to recover their attorney's fees from the losing party. Contract litigation insurance protects the entity from the risk of having to pay the other party's attorney fees in a lawsuit.

Dangerous Professions Insurance

Offering coverage for:

  • Bounty Hunters
  • Mining Operations
  • Crop Dusters
  • Hazardous Waste Transport
  • Trappers and Guides
  • Pest Control including wild animals
  • and 100’s more!

New businesses accepted and no prior insurance required.  If your business is not listed above please contact us today for more information and a free dangerous professions insurance quote.

Environmental and Pollution Insurance

Coverage available for businesses engaged in ...

  • mining
  • agriculture
  • land fill
  • most toxic substances

Insurance Definition:  Obligation based on the principle that a polluting party should pay for any and all damage caused to the environment by its activities.  In some counties, this is a strict liability if the damage can be attributed to a specific party.

Industry specific questionnaires available to identify and determine what coverage(s) you need. For more information and a free environmental and pollution insurance quote contact us today!

Events Insurance

All events and high risk events will be considered. Although, by no means, a complete list, these examples should provide an overview of coverages available.

SPECIAL EVENTS

  • Arts & Craft Shows
  • Hole-in-One
  • Dances
  • Holiday Parties
  • Parades
  • Theatrical Performances
  • Social Gatherings
  • Athletic Events
  • Concerts
  • Weddings
  • Picnics
  • Christmas Tree Lots
  • Meetings and Conventions
  • and many more!

COMMERCIAL HORSE ACTIVITIES

  • Schools and Riding Instruction
  • Boarding, Training and Breeding
  • Stagecoach, Hay and Sleigh Rides
  • Pony and Trail Rides
  • Shows, Auctions, Rodeos and Races
  • Spectator Coverage Available

Summer Events Insurance

All summer events and high risk events will be considered. Although, by no means, a complete list, these examples should provide an overview of coverages available.

  • Fireworks
  • Displays
  • Parades
  • Special Events
  • Festivals
  • Liquor Liability
  • Bike Rentals
  • Boat Rentals
  • ATV Rentals
  • Motorcycle Rentals
  • Dirt Bike Rentals
  • Rope Courses
  • Climbing Walls
  • Racing

JULY ACTIVITIES

  • Water Parks
  • Water Trampoline
  • Banana Boats
  • Day Hiking
  • Fishing Trips
  • Petting Zoos
  • Day Hiking
  • Fishing Trips

Electrical Contractor Liability Insurance

New electrical contractors are welcome. We have built a portfolio of contractor liability insurance markets for electrical contractors, subcontractors and home builders with a broad range of options and limits.  We understand the financial issues that many electric contractors have experienced during the past five years, so don't worry the past when doing business with Pacific Reserve. Our electrical contractor liability insurance markets can get you covered.  

General Contractors Insurance

Protect your business.  We shop the market to find the best value for your dollar and can be purchased annually or per project.  Candidly, we don't think you can purchase general liability insurance for your business for less money. Our rates are rock bottom and we want your business.  If you are serious about saving insurance premium dollars on general liability. Get a free general contractor insurance quote from Pacific Reserve by clicking the Free Quote button on this website, complete and send the form – we will have a quote in your hands within five business days.

Junior Markets Insurance

All junior markets will be considered, including:

  • Check cashing
  • Cooking exposure
  • Deli operations
  • Gasoline sales
  • Health food sales
  • Liquor sales
  • Meat and seafood counters
  • Produce sales
  • Specialty items
  • Video rentals
  • 24-hour operations
  • and many more!

New businesses are accepted and no prior insurance is required.

Liquor Stores Insurance

Coverage available for ...

  • Liquor sales
  • Check cashing
  • Cooking exposure
  • Deli operations
  • Gasoline sales
  • Health food sales
  • Meat / seafood counters
  • Produce sales
  • Video rentals
  • 24-hour operations
  • Specialty items

New businesses are accepted and no prior insurance is required.  Get a free quote for liquor stores insurance from Pacific Reserve.

Marine Insurance

Learn more about marine insurance from Pacific Reserve.  All Marine companies will be considered including those with no insurance history.  Protect your marine asset today.  Get a free quote for Marine Insurance within five business days. 

Medical Marijuana Cannabis Industry Insurance

Make certain that you are protected in this emerging industry by setting up your business with Marijuana Industry Insurance.  

If you are participating in any of the following ...

  • Physicians
  • Dispensaries
  • Infused Product Manufacturers
  • Delivery
  • Growers
  • Landlords
  • Special Events

You may need one or more of these insurance coverage's ...

  • Business Income and Extra Expense
  • Products Liability
  • Property Insurance including: Theft of Stock, Breakdown, Fire to name a few.
  • Commercial Automobile Insurance Including: Hired and Non-Owned Auto, Delivery Services.
  • Special Events Coverage
  • Workers Compensation
  • Crop Insurance: Living Plant Material, Harvested Plant Material and Finished Stock.
  • Commercial Real Estate Owners, Landlords & Property Owners
  • Medical Malpractice Insurance for Physicians

More information about Medical Marijuana Cannabis Industry Insurance here ...

Medical Marijuana Cannabis Industry Insurance

Mining Insurance

We specialize in start up and small mining operations with a focus on ...

  • Federal State Regulation Compliance
  • General Liability
  • Workers Comp
  • Umbrella / Excess Coverage

Mining can be a dangerous business.  For more information and a free mining insurance quote contact us today!

Nursing Home Insurance

  • Long Term Care Insurance
  • Short Term Care Insurance
  • Private Care Insurance
  • Assisted Living Insurance
  • Group Living Insurance
  • Elder Care Insurance
  • Senior Living Insurance
  • Senior Citizen Care Insurance

Pipeline Contractor Liability Insurance

Protect your Pipeline Contractor business today.  We will "customize" a liability policy for your specific needs - nothing more, nothing less.  Get a free quote for Pipeline Contractor Liability Insurance from Pacific Reserve.

Product Liability Insurance

Product liability insurance has become a necessity in today's litigious society. Every product produced and sold exposes the inventor, manufacturer and seller to litigation by a disgruntled customer or client. There are three components to product liability insurance:

  • Manufacturing or Production Flaws: Part of the production process created an unsafe defect in the product.
  • Design Defect: Claim that the design of the product is not safe.
  • Defective Warnings or Instructions: Product insufficiently labeled.

If found responsible for the flaw or defect, Inventors, Manufactures and/or Retailers are liable for damage caused by the product, medical costs, economic cost and insurance fees. These liabilities can and do bankrupt businesses.  Whether product liability insurance is voluntary or required in your occupation, we can find the correct and affordable coverage for you from the several insurers we represent in this market.

Restaurant and Food Services Insurance  

We can offer business insurance for the following types of restaurant's and food establishments:

  • Bagel shops
  • Retail bakeries
  • Coffee shops
  • Delicatessens
  • Doughnut shops
  • Fast food restaurants
  • Fine dining
  • Food courts
  • Franchise restaurants
  • Pizza parlors
  • Sandwich shops
  • Specialty restaurants
  • Steak houses
  • Banquet facilities
  • Cocktail lounges
  • Entertainment
  • Take-out
  • Liquor liability
  • and many more!

We offer high liability limits and competitive prices.  No "prior insurance" is required and new businesses are accepted.

Retail Stores Insurance

All retail stores will be considered, including:

  • Antique
  • Appliance
  • Auto
  • Accessory and Supply
  • Auto Stereo
  • Bakeries
  • Barber
  • Beauty
  • Billiard
  • Book
  • Candle
  • Candy
  • Carpet and Floor Covering Sales
  • Ceramics and China
  • Check Cashing
  • Clothing
  • Convenience Stores
  • Drapery
  • Electronic
  • Fabric
  • Florists
  • Furniture
  • Glass
  • Golf or Tennis Pro Shops
  • Greeting Card
  • Hardware
  • Household Cleaners and Supply
  • Ice Cream
  • Jewelry and Watch Repair
  • Lamps And Lighting
  • Leather and Luggage
  • Locksmiths and Key Copying
  • Mail Box
  • Music
  • Music Studios
  • Musical Instrument
  • Nurseries ( Botanical )
  • Office Furniture
  • Office Machine Sales and Service
  • Packaging and Gift Wrapping
  • new list item
  • Paint and Wallpaper Sales
  • Pet Supply
  • Photo Developers and Supply
  • Picture Frame
  • Religious Articles
  • Rug
  • Sewing Machine Sales and Service
  • Shoe and Shoe Repair
  • Sporting Goods
  • Stamp And Coin
  • Stationery
  • Tailors (alterations and Dressmakers)
  • Taxidermists
  • Tobacconist (Cigar and Pipe Sales)
  • Trophy
  • Typewriter Sales and Service
  • Upholstery
  • Vacuum Cleaner Sales and Service
  • Variety
  • Video and Pinball
  • Video Rental
  • Yardage and Yarn
  • Yogurt
  • and many more!

New businesses accepted and no prior insurance required.  Sign and glass coverage available.  All retail stores will be considered so if your business is not listed above please contact us today for more information and a free quote.

Security Company Insurance

  • Armed Security Guard
  • Unarmed Security Guards
  • Cyber Security

New businesses accepted and no prior insurance required.  If your security business type is not listed above please contact us today for more information and a free quote.

Service Companies Insurance

All service companies will be considered for this program including:

  • Air Conditioning Installation
  • Air Conditioning Service
  • Alarm System Installation
  • Appliance Installation
  • Appliance Service
  • Carpentry –  Commercial, Framing, Residential
  • Carpet Cleaning
  • Carpet Installation
  • Ceiling Installation
  • Chimney Sweeps
  • Concrete Flatwork
  • Door and Window Installation
  • Drywall or Wallboard Installation
  • Electrical – Commercial, Construction, Residential
  • Fence Repair and Installation
  • Fiberglass Bath Installation
  • Flooring Construction
  • Handyman
  • Heating Service and Installation
  • Janitorial (commercial And Residential)
  • Landscape Gardening
  • Landscaping
  • Masonry (Construction and Repairs)
  • Painting – Commercial, Interior, Residential
  • Parking Lot Steam Cleaning
  • Plumbing
  • Sign Manufacturing and Installation
  • Swimming Pool Service
  • Termite Control
  • Tile Installation
  • Tree Trimming

New businesses accepted and no prior insurance required.

Social Services Insurance

These organizations both 501c3 and For-Profit are a range of public services provided by governmental or private organizations. These public services aim to create more effective organizations, build stronger communities, and promote equity and opportunity.

  • 501(c)(3) Organizations
  • Abuse Shelter
  • Adoption Agency
  • Advocacy / Education
  • Animal Shelter
  • Big Brother Big Sister
  • Boys and Girls Club
  • Caregiver
  • CASA
  • Counseling and Referral
  • Detox Centers
  • Developmentally Disabled
  • Eating Disorder Rehab
  • Emotional Disorder Rehab
  • Goodwill
  • Group Home
  • Halfway House
  • Homeless Shelter
  • Hospice
  • Humane Society
  • Meals on Wheels
  • Outpatient Services
  • Outreach Programs
  • Rehabilitation Center
  • Residential Center
  • Senior Activity Center
  • Sober Living Homes
  • Social Service
  • SPCA   
  • Substance Abuse Rehab
  • Thrift Store
  • Transitional Housing
  • Vocational Programs
  • Women's Shelter

New businesses accepted and no prior insurance required.  If your social service type is not listed above please contact us today for more information and a free quote.

Surety Bonds Insurance

We are "the market" for the following bonds:

  • Judicial and Appeal Bonds
  • License Bonds
  • Permit Bonds
  • Miscellaneous Bonds
  • Bid and Performance Bonds

We have a simplified program for small contractors doing jobs up to $50,000.00. However, we can write bonds for larger contractors up to $10,000,000.00.

Tattoo Studios Insurance

Finally, tattoo shop insurance for all Tattoo Artists. We know that your business is unique and that why we provide you with a quote tailored to your Tattoo Shop.

Our insurance includes:

  • Guest Artist Insurance
  • Sexual Abuse Insurance
  • Mobile Units
  • Body Piercing Insurance
  • Coverage at conventions
  • Minor Tattooing Insurance
  • Tattoo Artist Insurance
  • Professional Liability Insurance for Tattoo Shops
  • General Liability Insurance for Tattoo Shops

Tattoo Shop Professional Liability coverage for tattoo shops covers the owner and includes all employees and independent contractors on the policy. We can provide just enough insurance to make your landlord happy or enough insurance to give you piece of mind (in the case of a claim).

Protect your business, employees, family and yourself while saving $$$ on your business insurance premiums ... get a free quote for the Arizona or Texas business insurance policy that you are looking for from Pacific Reserve Inc today!

Get a FREE Business Insurance Quote today!

Our Senior Business Insurance Licensed Brokers

Hours: Mon–Fri  8am-4pm

Cheryl Bell - Licensed Business Insurance Broker

Cheryl Bell

31 years experience!

Kristen Vassar - Licensed Business Insurance Broker

Kristen Vassar

24 years experience!

Ann Bruce - Licensed Business Insurance Broker

Ann Bruce

21 years experience!

We work for YOU, not the insurance company! We strive to provide you with exceptional broker service.  We are experts at sourcing cost saving solutions for our clients.

We Reduce Your Premiums!

We can save you money on your business insurance. Click the button above for our client testimonials about how they saved $$ with Pacific Reserve!

Serving all of Arizona!

  • Bullhead City
  • Carefree
  • Flagstaff
  • Glendale
  • Globe
  • Goodyear
  • Jerome
  • Kingman
  • Mesa
  • Payson
  • Peoria
  • Phoenix
  • Prescott
  • Scottsdale
  • Sedona
  • Sun City
  • Surprise
  • Tempe
  • Tucson
  • Yuma
  • and surrounding Arizona towns and communities!

Serving all of Texas!

  • Arlington
  • Armarillo
  • Austin
  • Brownsville
  • College Station
  • Corpus Christi
  • Dallas
  • El Paso
  • Fort Worth
  • Fredericksburg
  • Frisco
  • Garland
  • Grand Prairie
  • Houston
  • Irving
  • Laredo
  • Longview
  • Lubbock
  • McAllen
  • McKinney
  • Odessa
  • Pasadena
  • Plano
  • San Antonio
  • Waco
  • Wichita Falls
  • and surrounding Texas towns and communities!

  

Our Affiliations ...

Independent Insurance Agents