Insurance for Arizona electrical contractors — certificates that pass, audits that don’t surprise you.

What GCs and property managers ask electricians for.

Sub agreements for electrical work typically require:

• 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

Where electrical contractors get hurt.

• A fire traced back to your work years later, with thin completed-operations limits
• Solar or battery work not described on the policy
• Apprentices or foremen classified wrong — found at audit
• Tools stolen from a van with no inland marine coverage
• A certificate rejected because it lacks primary & non-contributory wording

Honest timing, start to finish.

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).