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Insurance for Arizona general contractors — built around your contracts and your subs.

You carry the owner’s contract, the lender’s requirements and every sub on the job. We make sure your GL, workers’ comp, builders risk and umbrella actually line up with what you signed — and that your subs’ certificates aren’t quietly putting their claims on your policy.

Get my free coverage review → Book a 15-minute call (623) 323-8385

What we check for you

Owner & lender insurance requirements vs. your current policies
Additional insured, primary & non-contributory, waiver of subrogation
Sub certificates — limits, AI endorsements, expired policies
Workers’ comp class codes and uninsured-sub exposure at audit
Builders risk values against today’s build costs

Who this is for

Residential, commercial and dual building licenses.

Custom home builders, production and spec builders, commercial GCs, tenant-improvement contractors, remodelers and design-build firms — self-performing or fully subbed out.

BGeneral ResidentialB-1General CommercialB-2General Small CommercialB-3General Remodeling & RepairKB-1Dual BuildingKB-2Dual Residential & Small CommercialCR-61Carpentry, Remodeling & Repairs

Classification names are summarized. DANESURE is not affiliated with the Arizona Registrar of Contractors — confirm your license on roc.az.gov. Hold a license not listed here? See every trade we work with or just send us your policies.

Contract requirements you’ll see

What owners, lenders and developers ask a GC for.

Owner contracts and lender draw requirements usually go further than a sub agreement. Typical asks:

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
Builders risk in the owner’s and lender’s names, at full completed value
Umbrella / excess limits scaled to the project size

Send us the insurance page of your contract

Before you sign, forward the insurance requirements (usually an exhibit or a paragraph titled “Insurance”). We’ll tell you what your current policies already meet, what needs an endorsement, and what it would cost to close the gap — before the GC’s risk manager rejects your certificate.

Upload policies & contract

Coverage

The GC’s core program.

Every line priced at minimum, standard and higher limits — with your contract requirements as the floor, not an afterthought.

Liability

General liability

Premises, operations and completed operations. Rated on revenue or payroll and on how much you sub out — which is why accurate sub costs matter.

Workers’ comp

Workers’ compensation

Correct class codes for field vs. supervisory vs. clerical payroll, owner/officer elections, and a plan for sub certificates before audit.

Property

Builders risk

Structures under construction, materials on site and in transit. Values, soft costs and exclusions (water, earth movement, faulty work) reviewed against the job.

Auto

Commercial auto

Pickups, trailers and hired & non-owned auto for employees who drive their own vehicles to the job.

Equipment

Contractors equipment & tools

Inland marine for owned, leased and rented equipment — on the job, in the yard or in transit.

Excess

Umbrella / excess

Extra limits that sit over GL, auto and employer’s liability so a single claim doesn’t reach your balance sheet.

Professional

Design-build professional liability

If you take on design responsibility, a GL policy may not cover a design error. We can market contractor’s professional liability.

Pollution

Contractors pollution liability

Mold, silica, lead and fuel releases are commonly excluded from GL. Pollution coverage fills the gap.

Bonds

License & contract bonds

License and contract bonds: tell us what you need (ROC license bond, bid, performance or payment bond) and we’ll check whether we can place it through our network. We can’t promise every bond, but we’ll give you a straight answer.

Typical risks

Where general contractors get hurt.

A sub’s uninsured claim lands on your GL because their certificate lacked the right endorsement
Workers’ comp audit adds uninsured subs to your payroll — at the highest-rated class
Construction defect claims years after closing, with completed-operations limits that are too thin
Builders risk written at a value set before material costs moved
An umbrella that doesn’t follow form over the endorsements the owner required

How it works

Honest timing, start to finish.

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.
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.
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.
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).

FAQ

General contractor insurance questions.

Do I need workers’ comp if I sub out everything?

If you have employees, Arizona generally requires workers’ comp. Even if you don’t, carriers audit payments to subs: a sub who can’t show their own valid workers’ comp certificate may be counted as your payroll. Collecting current certificates from every sub is the cheapest protection you have.

What’s the difference between additional insured for ongoing and completed operations?

Ongoing operations covers the GC or owner while you’re working. Completed operations covers them after you finish — which is when most defect claims show up. Many owner contracts require both, and a certificate that shows only one can be rejected.

Who buys builders risk — me or the owner?

The contract decides. Many owner contracts put it on the GC; some owners buy it themselves. We read the clause and make sure somebody is actually carrying it at the right value.

How is GL priced for a general contractor?

Usually on revenue or payroll, adjusted for how much work you sub out, what kind of work it is, and your loss history. Accurate subcontract costs and valid sub certificates can make a real difference at audit.

Can you help with performance and payment bonds?

We can take the inquiry and check whether it can be placed through our network. Bonds are underwritten on your financials and experience, so we can’t promise approval — but we’ll tell you quickly.

Free coverage review

Send us your policies. Get a straight answer in 24 hours.

A written Cost & Risk report within 24 hours of receiving your documents, then a 15-minute call. No cost, no obligation, no pressure to switch.

Start my free coverage review → Book a 15-minute call

No policy yet? New ROC license — get covered to start work · Or call (623) 323-8385