General Contractor Insurance in Arizona (2026)
Complete guide to insurance requirements for general contractors operating in Arizona.
General Liability Insurance
Protects against third-party bodily injury and property damage claims. Required by most clients and many Arizona jurisdictions for licensed contractors.
Minimum Coverage
$500,000 - $1,000,000
Estimated Annual Cost
$500 - $2,000/year
Workers' Compensation Insurance
Required in Arizona when you have employees. Covers medical expenses and lost wages for work-related injuries. Even solo contractors should consider it for self-coverage.
Minimum Coverage
Statutory limits
Estimated Annual Cost
$1,000 - $5,000/year
Surety Bond
A financial guarantee that you'll complete work as agreed. Some Arizona cities and counties require a bond for contractor registration.
Minimum Coverage
$5,000 - $25,000
Estimated Annual Cost
$100 - $500/year
Commercial Auto Insurance
Required if you use vehicles for business purposes. Personal auto policies typically exclude commercial use.
Minimum Coverage
State minimums
Estimated Annual Cost
$1,200 - $3,000/year
Umbrella/Excess Liability
Provides additional coverage beyond your general liability and auto policy limits. Recommended for larger projects.
Minimum Coverage
$1,000,000+
Estimated Annual Cost
$300 - $1,000/year
Estimated Total Annual Insurance Cost
$2,800 - $10,000/year
Varies based on your revenue, number of employees, claims history, and specific coverage limits.
Related Guides
Insurance requirements and costs vary by insurer, your business specifics, and local regulations. Always consult with a licensed insurance agent for quotes specific to your situation. This guide is informational only.