A quick phone call can save you up to 65% or more with
Arizona's leading contractors' insurance programs –
Contractors
Insurance
Arizona
Arizona
Contractors Insurance
Stop overpaying for coverage in the Grand Canyon State!
A quick phone call can save you up to 65% or more with Arizona’s leading contractors’ insurance programs –
Coverage for Arizona Contractors
With access to leading construction insurance providers nationwide, our Arizona Contractors Insurance programs offer cost-effective coverage solutions to mitigate everyday risks –
What is Arizona Contractors’ Insurance?
Arizona contractors’ insurance safeguards against the financial risks inherent in all stages of business operations, such as property damage, bodily injury, legal fees, and more.
Why Do I Need It?
From Flagstaff to Tucson, the Arizona construction industry presents a myriad of hazards. Whether you’re a neighborhood handyman or a corporate project manager, contractors of all specialties and scales in Arizona face daily risks associated with construction work. In addition to contending with Arizona’s blistering heat, workers encounter OSHA’s Fatal Four Hazards — falls, electric shocks, struck-by objects, and caught-in/between incidents — all of which pose serious threats of workplace injuries or illnesses. An unexpected lawsuit could wreak financial havoc on a small business without adequate coverage.
A robust Arizona contractors’ insurance package is not just a shield against unforeseen liabilities from routine business activities. It’s a comprehensive solution that covers business property, employees, and more, ensuring that contractors are fully protected.
Protect Against the Unpredictable
We strongly advise all contractors intending to operate in Arizona to contact the Arizona Registrar of Contractors for licensing and insurance guidelines.
Don’t let the fear of high rates deter you from protecting your business. Our insurance specialists stand ready to assist Arizona contractors in selecting the appropriate options, with premiums tailored to suit any budget. We’re here to ensure you can safeguard your business from unexpected claims without breaking the bank.
Our Recommended Products
General Liability
General Liability
Arizona contractor liability insurance (general liability) lays the foundation for a well-balanced commercial insurance portfolio, providing essential protection against third-party claims of bodily injury, property damage, and personal injury.
Without contractor liability insurance in Arizona, businesses face significant financial risks, including lawsuits, medical expenses, and repair costs that can disrupt operations.
Arizona contractors’ general liability coverage includes business liability, liability assumed under a contract, products-completed operations, defense costs, and much more—ensuring comprehensive protection for your contracting business.
Workers' Comp
Workers' Comp
Arizona contractor workers’ comp insurance protects employers from the financial liability of covering injured employees’ medical expenses and lost wages.
With Arizona contractors’ workers’ compensation insurance, businesses can avoid non-compliance with state laws, which can lead to harsh penalties, lawsuits, and costly fines.
Workers’ compensation coverage in Arizona operates under a “no-fault” system, ensuring benefits are provided for occupational injuries or illnesses regardless of who caused the incident.
Surety Bonds
Surety Bonds
Arizona contractor surety bonds are essential for ensuring compliance with state regulations and protecting consumers from potential financial risks.
These bonds act as a financial guarantee that contractors will adhere to contractual obligations and maintain professional standards.
The primary types of Arizona contractor license bonds include:
- Residential General Contractors: Bond amounts range from $9,000 to $15,000, depending on the estimated annual gross volume of work.
- Commercial General Contractors: Bond amounts vary between $5,000 and $100,000, based on the projected annual gross volume of construction work.
The Arizona Registrar of Contractors mandates these bonds to ensure contractors fulfill their contractual duties and comply with state laws.
Commercial Auto
Commercial Auto
Arizona contractors’ commercial auto insurance protects your business vehicles from liability when you or an insured driver are found responsible for an at-fault accident.
Without commercial vehicle insurance for contractors in Arizona, businesses risk financial exposure from accidents, theft, or vandalism that could disrupt operations.
Business auto insurance for Arizona contractors offers flexible coverage options tailored to your needs, including higher liability limits, additional insured endorsements, and protection for hired and non-owned vehicles. Coverage also extends to business trailers and places no cap on the number of vehicles or drivers covered under your policy.
Inland Marine
Inland Marine
Arizona contractors’ inland marine insurance protects your tools, equipment, and materials from theft, damage, and unforeseen events in transit or at job sites.
Without contractors’ tools and equipment insurance in Arizona, businesses face financial risks, including losses from stolen or damaged assets critical to project completion.
Inland marine coverage for Arizona contractors protects property transported as cargo, contractor’s equipment, buildings under the course of construction (builder’s risk), and installation floaters for materials and equipment awaiting installation.
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