Insurance for Arizona contractors — every ROC license, one broker.

Your certificate has to pass the GC’s review. We make sure it does.

The insurance exhibit in a sub agreement usually asks for more than a basic policy provides:

• Additional insured status for the GC and owner, including completed operations (often on CG 20 10 / CG 20 37 forms or their equivalents)
• Primary & non-contributory wording, so your policy pays before theirs
• Waiver of subrogation on GL, workers’ comp, auto and umbrella
• Per-project aggregate so one job can’t use up the limit for every other job
• Minimum limits — commonly $1M per occurrence / $2M aggregate, plus an umbrella
• Notice of cancellation to the certificate holder

Honest timing, start to finish.

We’re an independent broker with access to many carriers through a national agency network. The review is free and there’s no obligation to switch.

1. Send us what you haveUpload your dec pages or policies (GL, workers’ comp, auto, equipment, umbrella) or email them to [email protected]. Add your EMR worksheet and a sample contract’s insurance section if you have them.
2. Written Cost & Risk report within 24 hours of receiving your documentsWe read every line: class codes, experience mod, limits against your contract requirements, endorsements, exclusions and gaps. This is the review — not carrier quotes.
3. A 15-minute callWe walk you through what we found, in plain English. If nothing needs fixing, we tell you that — you keep the report either way.
4. If you want options, we shop itWe market your account to multiple carriers in our network. Carrier quotes typically take 1–2 business days once underwriters have what they need (payroll by class, loss runs, vehicle and equipment lists).