Welcome to Arizona’s Premier Contractor Insurance Resource
Why Contractor Insurance Matters
Operating as a contractor in Arizona comes with unique responsibilities and risks. From meeting the Arizona Registrar of Contractors (AZ ROC) bond requirements to safeguarding your business with tailored insurance solutions, having the right coverage is crucial. Contractor insurance is more than a legal requirement—it’s peace of mind for you and your clients.
Key Benefits of Contractor Insurance:
- Protects Your Business: Mitigates financial risks from accidents, lawsuits, or property damage.
- Ensures Compliance: Meets AZ ROC regulations and avoids fines or penalties.
- Builds Trust: Gives clients confidence in your professionalism and reliability.
Explore this page to learn everything you need about contractor insurance in Arizona, including requirements, recommendations, and resources.
Comprehensive List of Arizona Cities and Counties
Cities in Arizona
Arizona has numerous cities where contractor insurance services are vital. Below is a selection of key urban areas we cover:
- Phoenix
- Tucson
- Mesa
- Chandler
- Scottsdale
- Glendale
- Gilbert
- Tempe
- Peoria
- Surprise
Explore our services for these cities and more to find tailored coverage options.
Counties in Arizona
Contractors often need insurance specific to their work region. Arizona has 15 counties:
- Apache
- Cochise
- Coconino
- Gila
- Graham
- Greenlee
- La Paz
- Maricopa
- Mohave
- Navajo
- Pima
- Pinal
- Santa Cruz
- Yavapai
- Yuma
Each county has unique requirements—contact us to learn about the specific coverage needed in your area.
Arizona Contractor License Bond Requirements
Contractors in Arizona must comply with AZ ROC bond requirements to operate legally. Below is a summary of bond amounts by license type and project size:
| License Type | Gross Volume | Bond Amount |
|---|---|---|
| Residential General Contractors | Less than $750,000 | $9,000 |
| $750,000 or more | $15,000 | |
| Residential Specialty Contractors | Less than $375,000 | $4,250 |
| $375,000 or more | $7,500 | |
| Commercial General Contractors | $150,000 or less | $5,000 |
| $150,000 to $500,000 | $15,000 | |
| $500,000 to $1,000,000 | $25,000 |
What Bonds Do: Bonds protect consumers by ensuring contractors fulfill obligations and adhere to regulations. Learn how to secure your bond with our expert assistance.
Arizona Contractor License Types
Understanding the different license types in Arizona helps contractors choose the right insurance coverage. The AZ ROC categorizes licenses into residential, commercial, and dual classifications:
General Licenses
- General Residential Contractor (B): Builds and manages residential structures.
- General Commercial Contractor (B-1): Handles commercial construction projects.
- General Dual License Contractor (KB-1): Covers both residential and commercial work.
Specialty Licenses
- Electrical (R-11, C-11, CR-11): Specializes in electrical systems.
- Plumbing, Including Solar (R-37, C-37, CR-37): Focuses on plumbing and solar systems.
Explore full license details to understand the scope of work each classification covers.
Suggested Insurance Requirements for Contractors
Essential Coverages
- General Liability Insurance: Protects against third-party injuries or property damage.
- Workers’ Compensation: Required for businesses with employees; covers workplace injuries.
- Commercial Auto Insurance: Protects vehicles used for business purposes.
- Equipment Coverage: Safeguards tools and machinery from theft or damage.
- Errors & Omissions Insurance: Covers professional mistakes or negligence.
Custom Plans Available: Get tailored coverage to meet your unique needs.
Suggested Insurance Options for Homeowners
When hiring contractors, homeowners should verify their insurance to avoid liability for accidents or damages. Suggested policies include:
- Liability Coverage: Protects against accidents on your property.
- Property Damage Coverage: Ensures repairs or projects don’t result in financial losses.
- Additional Insured Endorsements: Allows contractors to extend their coverage to you.
Contact Us for a Free Quote
Protect your business, stay compliant, and give your clients peace of mind with the right insurance solutions.
- Call us at 844-967-5247
- Email us at josh@contractorschoiceagency.com
- Click below for a quick quote