Arizona contractors insurance

Licensing & registration in Arizona

Most contractors performing work in Arizona must be licensed through the Arizona Registrar of Contractors (ROC), with the license classified by trade and by residential vs. commercial work. Requirements and exemptions change, so confirm your classification and current rules with the ROC before you bid.

A license bond is generally required as part of ROC licensing (the amount commonly scales with your license class and work type). The bond protects the public; it is not liability insurance for your business — most contractors carry both.

Coverages Arizona contractors carry

• •General liability — generally intended to respond to third-party injury and property damage from your work, including completed-operations claims that surface after a job.
• •Workers’ compensation — required in most states once you have employees, and commonly required of subs by the GCs who hire them.
• •License / registration bond — a guarantee to the public required by many licensing bodies; distinct from your liability insurance.
• •Tools & equipment (inland marine) — optional coverage generally intended to address loss or damage to your own gear.
• •Commercial auto — for work trucks and vans; personal auto typically excludes business use.

Who needs it in Arizona

Common Arizona users include home builders and remodelers, roofers, HVAC and solar installers, electricians, plumbers, and landscapers across Phoenix, Tucson, Mesa, and Scottsdale.