Contractor Insurance for Navajo County, Arizona
Built by former contractors for contractors. We understand the real risks on Arizona job sites and provide the general liability and workers compensation coverage you need to stay protected and licensed.
Get a Free QuoteGeneral Liability Coverage
General liability is the foundation of contractor insurance. It protects you when your work causes injury or property damage to others — essential for maintaining your Arizona ROC license and winning commercial bids.
Workers Compensation Coverage
Arizona law requires workers compensation coverage if you have employees. Even one part-time helper creates this requirement. Workers comp protects both your employees and your business from the financial devastation of a workplace injury.
Arizona ROC Requirement
The Arizona Registrar of Contractors requires proof of general liability insurance to obtain and maintain your contractor license. Minimum limits vary by license classification — we know the requirements.
Contractor Types We Insure
We work with contractors of all trades throughout Navajo County. Our specialty market access means we can often insure high-risk trades that standard carriers decline.
Contractor Insurance FAQ
Is general liability insurance required for Arizona contractors?
Yes. The Arizona Registrar of Contractors (ROC) requires licensed contractors to maintain general liability insurance as a condition of licensure. Minimum limits vary by license type, and many municipalities and project owners require higher limits.
Do I need workers compensation if I'm a sole proprietor?
In Arizona, sole proprietors with no employees are generally exempt from the workers comp requirement, but you can purchase it voluntarily to protect yourself. If you hire any employees, including part-time workers, workers comp becomes mandatory.
How much does contractor GL insurance cost in Arizona?
Premiums vary significantly based on your trade, annual revenues, payroll, and claims history. Specialty contractors like roofing or excavation pay higher rates than general handyman services. We can get you specific quotes from multiple carriers.
What's the difference between occurrence and claims-made GL policies?
Occurrence policies cover incidents that happen during the policy period regardless of when the claim is filed — providing long-term protection for completed work. Claims-made policies only cover claims filed while the policy is active. We generally recommend occurrence-based policies for contractors.
Get Your Contractor Insurance Quote
As former contractors ourselves, we understand what you need. Get a competitive quote for GL and workers comp coverage tailored to your Navajo County contracting business.