We write insurance for Arizona contractors and trades — the right limits, right endorsements, and right additional insured language to get you on any job site fast.
Most contractors need a combination of these — we build the right program for your trade:
The policy every GC requires before you step on site. We match the limits and endorsements to your actual contract requirements.
Required by Arizona law once you have employees. Rated to your actual payroll and trade classifications.
Inland marine coverage for tools and equipment that travel between job sites — the things stolen from trucks overnight that GL doesn't cover.
Covers the structure under construction against fire, theft, and weather from ground-break to certificate of occupancy.
Work trucks, vans, and trailers — covered under one program. Personal auto policies won't pay out on business use.
Extra limits layered over your GL for larger contracts or projects requiring $2M/$4M or higher.
Most contractors we talk to are either overpaying, underinsured, or missing an endorsement their GC actually requires. We'll tell you honestly what needs to change.
Most GCs require a minimum of $1M per occurrence / $2M aggregate for GL, plus additional insured status. Larger commercial projects often require $2M/$4M or an umbrella. We review your actual contract requirements before quoting so the limits are right from day one.
Same day in most cases once your policy is bound. If you need to be on a job site tomorrow, call us directly at (480) 436-3529 and we'll make it happen.
Yes — every sub you hire should carry their own GL and workers' comp. If they don't, you may be held liable for their injuries and any damage they cause. We can help you build a subcontractor insurance requirement into your contracts.
At minimum, GL. If you own a truck or use tools that leave your home, you may also need commercial auto and a tools floater. Workers' comp is optional for sole proprietors in Arizona but worth considering if you work on job sites regularly.
Yes — we work with carriers that still actively write roofing, excavation, and other trades that standard markets won't touch. Height work and storm-season capacity are both addressable depending on your specific operation.
Call us — we can often bind and issue your COI same day.