Every contracting trade carries its own risk profile, but the fundamentals overlap: your crew's safety, the tools you depend on, and liability for the work you leave behind. Whether you run electrical, plumbing, HVAC, roofing, or general contracting, this is the coverage foundation Arizona contractors build on.
Get Started →Contracting work happens on other people's property, which means your business is exposed the moment your crew arrives on-site — and sometimes long after the job is finished. A licensing requirement, a bonding requirement, or a commercial bid you're not eligible to submit without proof of coverage — insurance shows up in contracting in ways it doesn't for a lot of other businesses.
The specifics vary by trade. An electrician's exposure around equipment and on-site liability looks different from a roofer's fall-risk profile or a general contractor's exposure across an entire multi-trade job site. That's why we start with what you actually do, not a generic policy.
Each trade carries its own specific exposures — pick yours for coverage details built around that work.
Electrical work carries risk that generic business insurance doesn't fully address — from…
Plumbing work carries a specific kind of risk — water damage, underground and slab work,…
In Arizona, HVAC work is essential trade work — and it carries risk beyond a standard…
Roofing carries some of the highest physical risk of any trade, along with real exposure…
As a general contractor, your risk isn't limited to your own crew's work — it extends to…
Concrete work often becomes the literal foundation other trades and structures build on —…
Solar installation combines electrical work, roof access, and increasingly valuable…
Landscaping work means operating heavy equipment on properties you don't own, and…
Excavation carries some of the higher-severity risk in contracting — underground utility…
Restoration work means entering already-damaged properties, often under time pressure…
Coverage needs vary by trade, business size, and licensing — these are the types that come up consistently across contracting businesses.
Arizona's contractor licensing is handled through the Arizona Registrar of Contractors (ROC), and bonding requirements can intersect with your insurance program depending on your license classification. If you're bidding on commercial or municipal projects, many require proof of specific coverage limits before you can even submit.
Two minutes to get started — we'll take it from there.
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