Product Liability in Arizona

Arizona generally gives two years after accrual for personal-injury and property-damage claims. Although A.R.S. § 12-551 prints a 12-year limit measured from first sale, the Arizona Supreme Court held that limit unconstitutional as applied to strict-liability product claims under the state's anti-abrogation clause. The statute's text and the court ruling must be read together; neither establishes what a policy covers.

What Is Product Liability Insurance?

Product liability can cover claims that a product you make, import, distribute or sell injured someone or damaged property. If your business handles products, describe every role in the supply chain and ask how the quote treats product damage and recall costs. Read the national Product liability guide.

What Should You Watch for With Product Liability Insurance in Arizona?

Keep the injury and discovery timeline
A.R.S. § 12-542 generally sets two years after accrual for personal-injury and property-damage actions. Because the statute measures from accrual, preserve the dates of injury, discovery, use, and any product-related investigation rather than assuming the sale date controls. ¹
Read § 12-551 with Arizona’s anti-abrogation ruling
Section 12-551 still prints a 12-year limit after a product is first sold, but the Arizona Supreme Court held that limit unconstitutional for strict-liability product claims under Article 18, § 6 of the state constitution. Do not treat the printed period as an absolute cutoff for those claims; other claim types and deadlines require separate legal analysis. ^2,^3,⁴
Ask which legal theories and insured entities are involved
Arizona's ruling concerns strict-liability product claims, while § 12-551 itself describes exceptions for negligence and express-warranty claims. If your business manufactures components, sells products, or makes express product promises, give the broker those details so the application and policy review do not collapse different roles or claims into one label. ^2,³

Which Product Liability Providers Have Arizona License Records?

These providers publish a national listing for Product liability; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Arizona. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Vouch
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch Specialty Insurance Services, LLC
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. ²¹
Vouch lists product liability among the core coverages in its technology-company programs.

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. ^5,^6,⁷

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: (800) 544-2378

Surplus-Lines Tax and Stamping Office in Arizona

Reported tax rate. 3% of gross premium and taxable policy fees, less returns; stamping fee rate not verified ^8,^10,^12,¹³

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.

The Surplus Line Association of Arizona

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. ^9,¹¹

Questions to Ask Before You Buy Product Liability in Arizona

Which named entities and product roles should appear in the application for our Arizona operations?
How does the policy address injury allegations tied to products sold many years before the claim?
Do our product warranties or contracts create exposures that the broker should review separately from bodily-injury claims?

Product Liability Insurance in Arizona: Frequently Asked Questions

What is Arizona’s general deadline for an injury claim?

A.R.S. § 12-542 generally provides two years after accrual for personal-injury and property-damage actions. Counsel must assess the accrual date and any applicable exception. ¹

Does Arizona enforce the 12-year product limit in § 12-551 for strict-liability claims?

The Arizona Supreme Court held § 12-551 unconstitutional as applied to strict-liability product claims under Article 18, § 6. The statute's printed text remains, and the ruling does not resolve every claim type or deadline. ^2,^3,⁴

Sources for Product Liability Insurance in Arizona

1
Arizona Revised Statutes § 12-542, Two-Year Limitation. Arizona State Legislature; Injury to person and property; accrual period. Accessed 2026-09-28.
2
Arizona Revised Statutes § 12-551, Product Liability. Arizona State Legislature; Product-sale timing and stated exceptions for negligence and express warranty. Accessed 2026-09-28.
3
Torres v. Jai Dining, Inc. Arizona Court of Appeals, Division One; 2022 opinion, discussion of Hazine v. Montgomery Elevator and A.R.S. § 12-551; recounts unconstitutionality for strict-liability product claims. Accessed 2026-09-28.
4
Arizona Constitution, Article 18 § 6. Arizona State Legislature; Article XVIII, § 6, right of action to recover damages for injuries. Accessed 2026-09-28.
5
Arizona Department of Insurance and Financial Institutions. Arizona Department of Insurance and Financial Institutions; Official agency homepage. Accessed 2026-09-28.
6
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.
7
File a Complaint. Arizona Department of Insurance and Financial Institutions; Department complaint information and filing destinations. Accessed 2026-09-28.
8
A.R.S. § 20-416: Tax on surplus lines. 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.
9
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.
10
Arizona House Bill 2111, Chapter 38. 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.
11
15 U.S.C. § 8205: Streamlined application for commercial purchasers. 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.
12
A.R.S. § 20-410: Validity, disclosure, policy fees. 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.
13
15 U.S.C. § 8202: Regulation of nonadmitted insurance by insured's home State. 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.
14
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
15
Licenses and Carriers. 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.
16
Insurance Producer 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.
17
About Hiscox US 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.
18
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.
19
About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
20
Insurance Licenses by State. 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.
21
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.

Product Liability in Arizona

What Is Product Liability Insurance?

What Should You Watch for With Product Liability Insurance in Arizona?

Keep the injury and discovery timeline

Read § 12-551 with Arizona’s anti-abrogation ruling

Ask which legal theories and insured entities are involved