🔗 Cooperatives

Cooperative Insurance

Insurance for cooperatives — housing co-ops, food co-ops, worker co-ops, and agricultural cooperatives across Arizona. Protect your members, operations, and shared assets.

Fast quotes — often within 24 hours
🏆A-rated carriers only
📋Same-day certificates

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No obligation. Protect your mission.

Unique Risks We Address

Every cooperatives faces specific risks. We make sure you're covered.

Member injuries on premises
Product liability (food co-ops)
Board governance disputes
Shared asset damage
Employment practices claims
Property maintenance liability
Member data breaches
Regulatory compliance
Coverage Options

Recommended Coverage

Tailored insurance products for cooperatives operations.

🛡️

General Liability

Protects against bodily injury and property damage claims from your operations, premises, and programs.

  • Premises liability
  • Operations coverage
  • Personal & advertising injury
  • Medical payments
🏢

Property & Contents

Covers your building, furnishings, equipment, and inventory against fire, theft, vandalism, and natural disasters.

  • Building coverage
  • Contents & equipment
  • Business interruption
  • Valuable papers
👔

Directors & Officers (D&O)

Shields board members, officers, and volunteers from personal liability for organizational decisions.

  • Wrongful acts defense
  • Employment claims
  • Breach of duty
  • Regulatory actions
⚙️

Workers' Compensation

Required coverage for employees injured on the job — covering medical expenses, lost wages, and rehabilitation.

  • Medical expenses
  • Lost wages
  • Rehabilitation
  • Employer liability
📋

Professional Liability (E&O)

Coverage for claims of negligence, errors, or omissions in the professional services your organization provides.

  • Service delivery errors
  • Advice & counsel claims
  • Program failures
  • Referral liability
💻

Cyber Liability

Protects against data breaches, ransomware attacks, and the costs of notifying affected individuals.

  • Data breach response
  • Ransomware coverage
  • Notification costs
  • Credit monitoring

Serving All of Arizona

📍 Phoenix 📍 Tucson 📍 Mesa 📍 Chandler 📍 Scottsdale 📍 Glendale 📍 Gilbert 📍 Tempe 📍 Peoria 📍 Surprise 📍 Yuma 📍 Flagstaff

Frequently Asked

What insurance does a cooperative need?
Most co-ops need GL, Property (for shared assets), D&O (for board decisions), and Workers' Comp. Food co-ops also need Products Liability; housing co-ops need broader property coverage.
Does D&O cover member disputes against the board?
Yes. D&O protects board members when members challenge governance decisions, financial management, or membership policies.
Are we covered for products we sell (food co-ops)?
GL includes Products & Completed Operations coverage for food and goods sold to members and the public.
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