Arizona Contractors Insurance & ROC Bonds
Contractor insurance for Arizona builders and trades, placed through Bearstar Insurance Services and its licensed producers. Fast certificates, Registrar of Contractors license bonds and coverage built for Phoenix, Tucson and the rest of the state. Call (949) 868-7350.
Keeping Your Arizona ROC License in Good Standing
Arizona contractors are licensed by the Arizona Registrar of Contractors (ROC). Every license needs a surety bond, and the amount depends on your license type (residential, commercial or dual) and your expected annual volume. The ROC doesn’t require general liability for the license itself, but general contractors, HOAs, property managers and city permits almost always ask for it.
The Hardhat Insurance Team is the marketing division of Bearstar Insurance Services. Arizona policies are placed through Bearstar Insurance Services and its licensed producers, with standard and specialty carriers that write Arizona contractors. We issue Certificates of Insurance that meet general contractor and permit requirements in Phoenix, Tucson, Mesa, Chandler and Flagstaff. Building a home? Try our builders risk premium estimator. Roofing contractor? See our Arizona roofing contractor insurance page.
Commercial General Liability
Arizona General Liability
Most Arizona general contractors and commercial jobs ask for $1M per occurrence / $2M aggregate, and larger projects often want an umbrella on top. We quote limits that fit the contract, not just a minimum.
Additional insured, waiver of subrogation and primary/non-contributory wording when your GC requires it.
Coverage for residential, commercial and tenant-improvement work.
Surety Bonds
Arizona ROC License Bond
Every Arizona contractor must keep a license bond on file with the ROC. Residential general contractors post $9,000 or $15,000 depending on annual volume, and commercial bonds run from $2,500 up to $100,000. Residential licensees also pay into the Residential Contractors’ Recovery Fund or post a separate bond.
Bad credit programs available.
Bonds for residential, commercial and dual licenses.
In Arizona, employers with employees need workers’ compensation. We compare carriers, including Arizona-based CopperPoint and national markets, to find a rate that fits your payroll and class codes.
Pay-as-you-go options available (helps cash flow).
Waivers of subrogation for commercial contracts.
Workers' Compensation
What We Cover
Commercial Auto
Work Truck & Fleet
Your personal auto policy may not cover an accident while you’re driving for work. From I-10 and Loop 101 traffic to long drives between Phoenix, Tucson and Flagstaff, protect your work trucks and trailers against accidents, theft and uninsured drivers, with higher limits when a contract calls for them.
Builders Risk
Builders Risk (Course of Construction)
Protect your project from fire, monsoon wind and hail, water damage and theft of materials, all common on Arizona job sites. Sample 12-month premium in Phoenix: about $528 for a $300,000 home, plus fees.
Covers materials on-site and in transit.
Required by most lenders for new construction and remodels.
Inland Marine (Tools & Equipment): Covers theft of your generator, compressor, and hand tools from the job site or your truck.
Professional Liability: For design-build contractors and construction managers.
Excess Liability (Umbrella): When the standard $1M limit isn't enough for a big commercial contract.
And More
What does builders risk insurance cost in Arizona?
Building a new home or project in Arizona? See an instant builders risk estimate. Sample 12-month premiums start around $528 for a $300,000 home, plus fees and subject to underwriting and the exact location.
Local Service Area
Serving all of Arizona. We insure trade specialists statewide.
Phoenix metro: Phoenix, Mesa, Chandler, Gilbert, Scottsdale, Glendale, Peoria.
Southern & Northern Arizona: Tucson, Yuma, Flagstaff, Prescott.
Call: (949) 868-7350
Need a COI Today?
Get a certificate your GC, HOA or city will accept, often the same day.
Contractor Insurance in Phoenix, Tucson, Mesa & Across Arizona
We insure contractors across Arizona. Here is what we see most often in the state’s busiest markets, all handled by one team and one line: (949) 868-7350.
Phoenix Contractor Insurance
Phoenix-area general contractors and property managers usually ask for $1M/$2M general liability, additional insured status and a waiver of subrogation before you start. We issue certificates fast for jobs across Maricopa County.
Mesa, Chandler & Gilbert
The East Valley’s steady stream of new subdivisions keeps framers, concrete, roofing and finish trades busy. We package general liability, workers’ comp and builders risk for production and custom home work.
Scottsdale
High-end custom homes and remodels in Scottsdale and Paradise Valley often call for higher limits, an umbrella and builders risk sized to the full completed value. We line those up before the contract is signed.
Tucson
Pima County contractors get the same carriers and fast certificates as Phoenix firms. We write general liability, workers’ comp, commercial auto and ROC bonds for Tucson, Marana and Oro Valley contractors.
Glendale, Peoria & the West Valley
Fast growth in Buckeye, Goodyear, Surprise and Peoria means steady new-home and commercial work. We cover crew trucks, tools and equipment, and builders risk for spec homes.
Flagstaff, Prescott & Yuma
Northern Arizona’s snow and Yuma’s desert heat bring different job-site risks. We write coverage for contractors in Coconino, Yavapai and Yuma counties with the same fast service.
Arizona Workers’ Comp: What Contractors Should Know
Arizona requires employers to carry workers’ compensation for their employees, and the Industrial Commission of Arizona oversees the system. You can buy it from CopperPoint, an Arizona-based insurer that began as the state compensation fund, or from private carriers that write contractors.
Your price depends on your class codes, payroll, experience mod and claims history. Some carriers price certain trades more aggressively or package workers’ comp with your general liability and auto.
Subcontractors without coverage can be treated as your employees, so collect their certificates before they start.
Sole proprietors without employees may not need a policy, but many general contractors still ask for one.
We quote several carriers side by side so you can compare price, payment options and service. Call (949) 868-7350.
Contact
Call
info@hardhatinsurance.net
Hard Hat Insurance is a specialized marketing division of Bearstar Insurance Services.
Insurance services provided by Bearstar Insurance Services.
Jesus Galvan is a licensed insurance broker in CA, ID, NV, OR, TX and WA, serving contractors in AZ, CO and across the western U.S. California License #4291921.
Other license numbers available upon request. Coverage availability varies by state.
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