Running a roofing business in Arizona—whether you’re working in Phoenix, Tucson, or Flagstaff—presents unique challenges. From the scorching heat of the Sonoran Desert to sudden monsoons in the Valley and fierce competition in the market, the risks are real. Beyond…
I just had an intake meeting with a roofing company in Arizona that was paying over $20,000 annually for their general liability insurance policy. Sounds normal, right? But here’s the problem: They were essentially paying for a piece of paper…
If you’re a contractor in Arizona—especially in Phoenix—you’ve probably heard the term “bonded and insured.” But what does that mean, and why should you care? Here’s what you need to know about contractor bond insurance in Arizona, why it matters,…
When it comes to construction, there are a lot of moving parts to manage—both literally and figuratively. From securing permits to overseeing timelines and managing labor, contractors have enough on their plates without worrying about unexpected losses or damage during…
When you purchase a General Liability (GL) policy, you’re protecting your business from a wide range of risks. But like all insurance, these policies come with exclusions—areas where coverage doesn’t apply. One of the most misunderstood exclusions is the “Your…
I had a conversation yesterday with the owner of a painting company who found himself in a tough spot. He’s been running his business using all 1099 independent contractors. But there was a problem. He didn’t require these contractors to…
Workers’ Compensation Insurance is more than a mere formality; it’s an essential part of small business insurance that keeps operations running smoothly in case of employee injury . From the architect designing sky-scraping marvels to the truck driver navigating busy highways, this liability insurance acts as a safeguard for employees and employers…
In the bustling world of real estate development, the sound of a crane in motion and scaffolding being erected signals progress and profitability. Yet, these symbols of growth carry risks, from vandalism disrupting a work site to unforeseen accidents putting…
If you’re swinging hammers or laying pipes for a living, trust me, getting the right insurance is as important as wearing a hard hat on site. Running into surprises on the job can happen, but with liability insurance, you’ve got…
As a contractor, your toolkit is your lifeline, but unexpected events can put your precious gear at risk. That’s why a robust insurance policy, tailored to protect your property, tools, and equipment, is vital to keep your operation humming along…
