--- title: "Arizona Crime Insurance Guide" description: "Arizona’s rules distinguish an insurance administrator’s funds-handling security from a money transmitter’s surety bond; neither should be mistaken for the terms of your own crime policy." canonical: "https://spot.insure/coverage/crime/arizona" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/crime/arizona) # Arizona Crime Insurance Guide Arizona requires certain insurance administrators that handle insurer or insured money to maintain a state-held deposit, eligible securities, or a surety bond; that safeguard addresses legally owed benefits and fraud or dishonesty. A licensed money transmitter has a separate surety-bond requirement. Identify which entity and funds each requirement covers before you compare either with first-party employee-theft or payment-fraud coverage.[^1][^2] **Coverage:** [Crime](/coverage/crime) · [Arizona](/coverage/states/arizona) ## What Is Crime? Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. [Read the national Crime guide](/coverage/crime). ## Arizona Requirements | Requirement | Details | | --- | --- | | Insurance administrators handling funds | An administrator must maintain a deposit for insureds and insurers whose money it handles. The security may be cash, eligible securities, or a surety bond; the amount is generally 10% of funds handled unless the director approves less, and a bond cannot be below $5,000. The statute says this security is payable if the administrator fails to pay benefits it legally owes and protects insureds and insurers against fraud or dishonesty.[^1] | | Licensed money transmitters | An Arizona money-transmission applicant or licensee must maintain a surety bond. The general amount is the greater of $25,000 or 100% of average daily in-state transmission liability, capped at $500,000, with a $25,000 option when tangible net worth exceeds 10% of total assets.[^2] | ## What to Watch for in Arizona ### An administrator’s statutory security has a defined purpose If your Arizona business is an insurance administrator handling funds for insurers or insureds, check whether its state security is cash, securities, or a surety bond and whose benefit it serves. The statute addresses benefits legally owed by the administrator and fraud or dishonesty, but it does not set the terms of your separate crime policy; ask how employee theft, unauthorized transfers, and funds held for others are handled in that policy.[^1] ### A money transmitter bond secures transmission obligations If you hold an Arizona money-transmission license, the required surety bond is tied to the licensee’s money-transmission liability and is payable under that regulatory arrangement. Do not count its face amount as employee-theft or impersonation-payment protection; ask the broker to map the bond and crime policy to their different obligations and claim triggers.[^2] ### Payment-agent status depends on the transaction Arizona’s money-transmission article has a narrow payee-agent exemption: a written agreement must authorize collection for the payee, the payee must hold the agent out as accepting payment, the payor’s debt must be extinguished when the agent receives funds, and the payor cannot face loss if the agent fails to remit. If your business processes customer payments, ask counsel or the regulator whether the actual arrangement meets every condition before relying on an exemption.[^3] ## Who Regulates Insurance in Arizona **Arizona Department of Insurance and Financial Institutions.** Arizona DIFI regulates insurance companies and insurance professionals, including producers and surplus-lines brokers. Its license search covers both individual or business licensees and insurance companies, and its complaint page explains how to file with the Department.[^4][^5][^6] - [Regulator website](https://difi.az.gov/) - [License lookup](https://difi.az.gov/license-search) - [File a complaint](https://difi.az.gov/file-a-complaint) - Phone: (800) 544-2378 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3% of gross premium and taxable policy fees, less returns; stamping fee rate not verified When Arizona is the insured’s home state, the tax is 3% of gross premium and taxable policy fees, less returned premium; the statute excludes stamping fees from that tax base. For a multistate risk, Arizona’s share is allocated by exposure under the statute. Arizona's surplus-lines policy notice says these policies do not receive guaranty-fund protection. Current stamping-fee amount was not independently confirmed from readable current evidence and is omitted.[^7][^9][^11][^12] [The Surplus Line Association of Arizona](https://www.sla-az.org/) **Arizona has an exempt-commercial-purchaser search exception:** A surplus-lines broker generally must make diligent effort to place an Arizona risk in the admitted market. For an exempt commercial purchaser, federal law removes that search only after the broker discloses the admitted-market protection difference and the purchaser then asks in writing for nonadmitted coverage.[^8][^10] ## Providers With Documented State Licenses These providers publish a national listing for Crime; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Arizona; [check the regulator’s license lookup](https://difi.az.gov/license-search) and confirm state availability for your business when requesting a quote. - [Coalition](/insurance-providers/coalition) — **Entity:** Coalition Insurance Solutions, Inc.; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only.[^14] - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability.[^15] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability.[^20] ## Questions to Ask Before You Buy in Arizona 1. If you handle insurance premiums or benefits for others, what Arizona security is on file, who benefits from it, and what money-handling obligation does it secure? 2. If you are a licensed money transmitter, how does the regulatory surety bond differ from your crime policy’s employee-theft and payment-fraud terms? 3. If your company acts as a payment agent, does its written agreement and payment flow satisfy each part of Arizona’s statutory exemption? ## Crime in Arizona: FAQ ### Does an Arizona administrator surety bond answer every crime-policy question? No. The statute permits several forms of state-held security and defines the benefit and payment circumstances for that security. Review the crime policy separately for its covered people, funds, fraud methods, limits, and claim conditions.[^1] ### Is every business that processes payments a money transmitter in Arizona? The article provides a conditional exemption for an agent collecting payments for a payee, but the written agreement, public-facing role, discharge of the payor’s debt, and risk of loss all matter. Have the actual arrangement reviewed before treating the exemption as applicable.[^3] ## Crime in Other States - [Alabama](/coverage/crime/alabama) - [Alaska](/coverage/crime/alaska) - [Arkansas](/coverage/crime/arkansas) - [California](/coverage/crime/california) - [Colorado](/coverage/crime/colorado) - [Connecticut](/coverage/crime/connecticut) - [Delaware](/coverage/crime/delaware) - [District of Columbia](/coverage/crime/district-of-columbia) - [Florida](/coverage/crime/florida) - [Georgia](/coverage/crime/georgia) - [Hawaii](/coverage/crime/hawaii) - [Idaho](/coverage/crime/idaho) - [Illinois](/coverage/crime/illinois) - [Indiana](/coverage/crime/indiana) - [Iowa](/coverage/crime/iowa) - [Kansas](/coverage/crime/kansas) - [Kentucky](/coverage/crime/kentucky) - [Louisiana](/coverage/crime/louisiana) - [Maine](/coverage/crime/maine) - [Maryland](/coverage/crime/maryland) - [Massachusetts](/coverage/crime/massachusetts) - [Michigan](/coverage/crime/michigan) - [Minnesota](/coverage/crime/minnesota) - [Mississippi](/coverage/crime/mississippi) - [Missouri](/coverage/crime/missouri) - [Montana](/coverage/crime/montana) - [Nebraska](/coverage/crime/nebraska) - [Nevada](/coverage/crime/nevada) - [New Hampshire](/coverage/crime/new-hampshire) - [New Jersey](/coverage/crime/new-jersey) - [New Mexico](/coverage/crime/new-mexico) - [New York](/coverage/crime/new-york) - [North Carolina](/coverage/crime/north-carolina) - [North Dakota](/coverage/crime/north-dakota) - [Ohio](/coverage/crime/ohio) - [Oklahoma](/coverage/crime/oklahoma) - [Oregon](/coverage/crime/oregon) - [Pennsylvania](/coverage/crime/pennsylvania) - [Rhode Island](/coverage/crime/rhode-island) - [South Carolina](/coverage/crime/south-carolina) - [South Dakota](/coverage/crime/south-dakota) - [Tennessee](/coverage/crime/tennessee) - [Texas](/coverage/crime/texas) - [Utah](/coverage/crime/utah) - [Vermont](/coverage/crime/vermont) - [Virginia](/coverage/crime/virginia) - [Washington](/coverage/crime/washington) - [West Virginia](/coverage/crime/west-virginia) - [Wisconsin](/coverage/crime/wisconsin) - [Wyoming](/coverage/crime/wyoming) [Other Coverage in Arizona](/coverage/states/arizona) ## Sources [^1]: [Arizona Revised Statutes § 20-485.10: Deposit or Surety Bond of Administrators; Amount; Purpose](https://www.azleg.gov/ars/20/00485-10.htm) — Arizona State Legislature; Full section: permissible state-held security, amount, benefit/payment purpose, and fraud-or-dishonesty protection. Legislative Council page current through the accessed 2026 statutory publication; section page creation date September 9, 2026.. Accessed 2026-09-28. [^2]: [Arizona Revised Statutes § 6-1228: Surety Bond](https://www.azleg.gov/ars/6/01228.htm) — Arizona State Legislature; Subsections A–E: money-transmission license surety bond, liability-based amount and net-worth exception. Current Arizona Revised Statutes section accessed September 28, 2026.. Accessed 2026-09-28. [^3]: [Arizona Revised Statutes § 6-1202: Exemptions](https://www.azleg.gov/ars/6/01202.htm) — Arizona State Legislature; Subsection A(2)(a)–(c): written payee-agent agreement, holding out, when payment is treated as received, and no payor risk if the agent fails to remit. Current Arizona Revised Statutes section accessed September 28, 2026.. Accessed 2026-09-28. [^4]: [Arizona Department of Insurance and Financial Institutions](https://difi.az.gov/) — Arizona Department of Insurance and Financial Institutions; Official agency homepage. Accessed 2026-09-28. [^5]: [License Search](https://difi.az.gov/license-search) — Arizona Department of Insurance and Financial Institutions; Search for individual or business licensees and insurance companies; insurer surplus-lines eligibility links. Accessed 2026-09-28. [^6]: [File a Complaint](https://difi.az.gov/file-a-complaint) — Arizona Department of Insurance and Financial Institutions; Department complaint information and filing destinations. Accessed 2026-09-28. [^7]: [A.R.S. § 20-416: Tax on surplus lines](https://www.azleg.gov/ars/20/00416.htm) — Arizona State Legislature; Subsection C sets the surplus-lines tax at 3% of gross premiums and requires the broker to collect it from the insured. Accessed 2026-09-28. [^8]: [License Search](https://difi.az.gov/license-search) — Arizona Department of Insurance and Financial Institutions; Department guidance on surplus-lines eligibility and diligent-effort requirement under A.R.S. § 20-407. Accessed 2026-09-28. [^9]: [Arizona House Bill 2111, Chapter 38](https://www.azleg.gov/legtext/52leg/2r/laws/0038.htm) — Arizona Legislature; Arizona House Bill 2111 (amending § 20-408) and current A.R.S. § 20-410 policy notice; see statutory notice. Accessed 2026-09-28. [^10]: [15 U.S.C. § 8205: Streamlined application for commercial purchasers](https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A8205+edition%3Aprelim%29) — U.S. House of Representatives, Office of the Law Revision Counsel; Broker's due-diligence search exception for an exempt commercial purchaser requires prior disclosure that admitted-market insurance may offer greater protection/regulatory oversight and the purchaser's subsequent written request for nonadmitted placement. Accessed 2026-09-28. [^11]: [A.R.S. § 20-410: Validity, disclosure, policy fees](https://www.azleg.gov/ars/20/00410.htm) — Arizona State Legislature; Subsection B requires surplus-lines notices to state insureds/claimants are ineligible for Arizona guaranty-fund protection for both foreign and domestic surplus-lines insurers; subsection C says taxes under § 20-416 apply to broker service fees. Accessed 2026-09-28. [^12]: [15 U.S.C. § 8202: Regulation of nonadmitted insurance by insured's home State](https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A8202+edition%3Aprelim%29) — U.S. House of Representatives, Office of the Law Revision Counsel; § 8202(a): nonadmitted placement is subject solely to insured's home-State requirements, except as otherwise provided; § 8201 addresses exclusive home-State tax authority. Accessed 2026-09-28. [^13]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^14]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^15]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^16]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^17]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^18]: [About Risklytics](https://www.risklytics.ai/about/) — Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16. [^19]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^20]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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