Contractor Insurance
in Arizona
Get the Contractor Coverage You Need to Stay Protected and Licensed in Arizona
Arizona contractors face unique challenges—from intense heat and dust storms to fast-paced urban growth and strict licensing requirements. Whether you’re managing a crew in Phoenix or taking on new builds in Tucson, your business needs coverage designed for the risks you face every day.
At Affordable Contractors Insurance (ACI), we provide state-specific policies that meet compliance standards and protect your work, assets, and reputation. Get coverage that works as hard as you do—without overpaying for protection you don’t need.
Why Contractors in Arizona Choose ACI
Local Expertise
Deep understanding of Arizona’s licensing rules and insurance requirements.
Bundled Savings
Save up to 25% when you combine multiple policies under one roof.
Fast Certificates
Get same-day proof of insurance so you can start jobs without delays.
No Phone Tag
Quick online quotes with real, licensed agents ready to help when needed.
Custom Coverage
We tailor each policy to your trade, crew size, and jobsite risks.
Nationwide Reach
Licensed across all 50 states with consistent, compliant support.
Insurance Coverage We Offer in Arizona
We help general contractors, subcontractors, and specialty trades secure the right mix of policies to stay protected and compliant.
- General Liability Insurance
Protects against third-party injury, property damage, and legal costs—often required for licensing.
- Workers’ Compensation
Covers medical expenses and lost wages if your employees are injured on the job.
- Commercial Auto
Insures work vehicles used to transport tools, crews, and materials between sites.
- Tools & Equipment
Covers damage or theft of mobile tools and equipment—on and off the jobsite
- Builder’s Risk
Protects buildings under construction from fire, theft, vandalism, and weather-related damage.
- Professional Liability
Helps cover claims related to design errors, miscommunications, or missed deadlines.
Who We Cover in Arizona
If you work in Arizona construction, we’ve got a policy built for your trade. We cover:
- General Contractors
- Electricians
- Plumbers
- Roofers
- HVAC Technicians
No matter your trade, if you build in Arizona, we’ve got coverage designed to protect your work.
How Much Does Contractor Insurance Cost in Arizona?
Contractor insurance in Arizona varies based on your trade, team size, and the level of risk involved in your work.
Cost Factors
- Trade Type
Higher-risk trades (like roofing) cost more to insure.
- Payroll Size
Workers’ comp is calculated as a percentage of labor cost.
- Coverage Limits
Higher policy limits = higher premiums.
- Claims History
Fewer claims = better rates.
- Business Structure
Expensive or mobile tools may raise costs.
- Deductible
LLCs or corporations may pay more for certain coverages.
Tips for Arizona Contractors
Drone Use: If your construction business uses drones for inspections, note that drone protection is typically not covered under general liability. Ask about policy add-ons.
Arizona Liability Minimums
$1M per occurrence
$2M general aggregate
$1M personal injury
$1M product/completed ops
Get a fast, custom rate based on your Arizona contracting business.
Arizona Contractor Insurance Requirements
Contractor License Bond:
To obtain and maintain a contractor license in Arizona, a contractor license bond is required. The bond amount varies based on the license type and projected annual revenue.
Workers’ Compensation Insurance
All Arizona employers with one or more employees must carry workers’ compensation insurance to cover medical expenses and lost wages for work-related injuries or illnesses.
Commercial Auto Insurance
Businesses operating vehicles for work purposes are required to have commercial auto insurance. Personal auto policies do not cover business-related incidents.
Requirements vary by trade and location—consult a licensed agent to ensure full compliance.
Get a Free Contractor Insurance Quote
in Arizona
No phone tag. No guesswork. Just fast, affordable protection built for Arizona contractors.