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Kibarian Agency, LLC

We are a full-service agency offering small business commercial insurance products, home, auto, life and health insurance solutions.


Suite 4
13615 North 35th Avenue
Phoenix, Arizona 85029

Office Hours

  • Monday 9:00am - 6:00pm
  • Tuesday 9:00am - 6:00pm
  • Wednesday 9:00am - 6:00pm
  • Thursday 9:00am - 6:00pm
  • Friday 9:00am - 6:00pm
  • Saturday By appointment
  • Sunday Closed

Why our clients choose us

“Finally have an insurance company I can talk to. Scott and Cheryl are wonderful.”
“Very caring high quality of service. Couldn't ask for any bettor of an agent.”
“7 months ago Cheryl is hands down the best person to have on your team. When it comes to fighting insurance prices, she helped nearly cut my bill in half after going over my needs for auto insurance. Also was very thorough in explaining what is what and why I needed certain things on my policy. She answered all my questions after a nearly 2 hour phone call. She is definitely dedicated to her clients, and I will absolutely only work with her for insurance purposes moving forward.”

We offer the following coverages for small businesses

General Liability (GL) Insurance

General Liability is the most common form of insurance for small businesses, as every single professional is required to have some form of general liability coverage. Coterie offers both standard, year-long policies, as well as flexible duration, project-based coverage through our partners.

Business Owners Policy (BOP)

A Business Owners Policy (BOP) is more versatile, and protects both a business owner’s business and property – all in one package (typically combining General Liability and Property Insurance). This type of insurance for small businesses can reimburse the policyholder for damaged personal property.

Professional Liability Policy (PL)

Professional Liability (PL), also known as Errors and Omissions, a type of liability insurance that covers you for failure to uphold contractual promises in mostly service-based professions.

General Liability Insurance
Business Owners Policy
Professional Liability Insurance

Why we trust Coterie Insurance

Coterie Insurance was built from the ground up to empower small businesses and insurance agents with:
  • Affordable and competitive pricing
  • Streamlined insurance quotes reducing the lengthy, time-consuming application process
  • Flexible coverage options designed for today’s small & micro businesses
  • Coverage backed by A+ rated (excellent) licensed insurers and reinsurers
  • Professional claims handling – when the unexpected occurs, Coterie is there to help
Construction Insurance: Why It's Important for Your Business
You have better things to think about than insurance

Through our partnership with Coterie Insurance, invest your time where it matters most — running your business — and enjoy the peace of mind that your hard work is protected by an insurance policy that meets your needs.

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At Coterie, we are putting relationships at the forefront of small business insurance.

If you have any questions, Contact Us Today!