Tempe, AZ · Licensed Independent Broker

Tempe's restaurant and tech density creates coverage blind spots most brokers don't catch.

Tempe has Arizona's highest concentration of bars and restaurants — and a fast-growing tech sector right next door. Liquor liability gaps and underinsured cyber risk are the two most common findings we see here. Free 24-hour review, no obligation.

(623) 323-8385
100+
Carriers Compared
24hr
Review Turnaround
$3,800
Avg. Annual Savings Found
$0
Cost to You
Tempe industries we serve

Built for Tempe's tech, restaurant, and professional services sectors.

Tempe has one of the most diverse small business environments in the Phoenix metro — tech companies near ASU, restaurants along Mill Ave, professional services throughout the 101 corridor. We've placed coverage across all of them.

The DANESURE advantage

A few minutes of your time could save you thousands — or confirm you’re already in the right place.

Tempe's restaurant and bar density is the highest in Arizona — and liquor liability is the most underinsured coverage we find in this market. A single dram shop claim without proper coverage can exceed $500,000. On the tech side, E&O and cyber gaps are the norm for early-stage companies that bought the cheapest policy to satisfy a lease requirement. We run both risks across 100+ carriers and deliver what your current broker doesn't: the full picture at three coverage tiers, with a clear recommendation.

Minimum limits Standard — recommended Higher limits

Every Cost & Risk Report shows all three tiers for every relevant line — with a clear recommendation. Not one quote from one carrier. The full picture, so you can actually decide.

$3,800
avg. correctable
savings per review
2 min
to connect.
24 hrs to know.
Free coverage review

Find out what your Tempe business is really paying for insurance.

Most Tempe startups and small businesses have never had their coverage independently reviewed. We find the errors and gaps that your current broker missed — at no cost, with no obligation to switch.

1
Tell us about your business30-second form. Company, industry, size.
2
Upload your policy documents — 2 minutesEmail your dec page to review@danesure.com or upload here. We handle the rest — no portal login required.
3
Receive your Cost & Risk ReportWithin 24 hours: rating errors, coverage gaps, market alternatives.
4
15-min call with a DANESURE agentWalk through every finding — premium vs. market, gaps, options. No pressure.

Get your free Coverage Review

Send or upload your current policy — a licensed DANESURE broker reviews it and sends your Cost & Risk Report within 24 hours. No portal login required.

Send or upload your policy documents
Email or upload Secure & encrypted 2 min · 24-hr report
Start your free review →

Prefer email? Send your dec page to review@danesure.com

What happens next
Within 24 hours: your Cost & Risk Report — pricing at minimum, standard, and higher limits for every relevant line.

Then: we’ll email a scheduling link to walk through the findings. No pressure — you set the pace.

No credit card. No obligation. As your broker, we work for your interests — not the insurance company’s. We shop 100+ carriers for the best coverage at the best price.

Frequently asked questions

Tempe business insurance — common questions.

Tempe tech startups typically need: general liability (required by most office leases and client contracts), professional liability / E&O (covers software bugs and professional mistakes), cyber liability (critical for any company handling customer data), and workers' compensation once you have employees. As you grow and take on investment, D&O (Directors & Officers) insurance becomes important. DANESURE can bundle startup coverage efficiently across multiple carriers.
Yes. Tempe restaurants typically need: general liability, liquor liability (if you serve alcohol — required by most Tempe lease agreements), workers' compensation for staff, commercial property, and business income insurance. A Business Owner's Policy (BOP) bundles GL and property at a discount. DANESURE works with restaurant-specialized carriers serving Mill Avenue and the greater Tempe restaurant community.
Errors & Omissions (E&O) insurance — also called professional liability — covers claims that your services caused financial harm to a client. A missed deadline, a software bug, incorrect advice, or billing errors are all examples. If your Tempe business provides any professional service (consulting, software development, accounting, marketing, legal), you need E&O. Most tech sector client contracts in Tempe and Scottsdale specifically require it.
DANESURE can often bind coverage same-day for straightforward business types. For more complex risks, we deliver a full Cost & Risk Performance Review within 24 hours of receiving your current policy or business details — at no cost. If you need a fast callback with rates, we call you within 15 minutes during business hours (M–F, 8am–6pm Arizona time).
Yes — assault and battery (A&B) claims are one of the most common and expensive losses for Tempe bars, nightclubs, and late-night restaurants. Many standard general liability policies exclude A&B entirely or sublimit it to $100,000–$250,000. For venues near Mill Avenue or in the ASU area with late-night hours, a standalone A&B endorsement or specialized hospitality policy is essential. DANESURE places coverage with carriers that understand Tempe's nightlife risk profile and write A&B at full limits.