If you’re an Arizona roofing contractor, you might believe that having insurance means you’re fully protected. I once shared that belief—until I faced a harsh reality.
Before founding Prime Risk Insurance, I worked as a contractor in Arizona. However, due to unforeseen circumstances, I lost my job in the contracting industry. That moment changed everything for me. It made me realize how critical the right insurance coverage is—not just for legal compliance, but for protecting everything you’ve worked hard to build.
Now, I help Arizona contractors and roofers avoid costly mistakes by ensuring they have the right policies before disaster strikes.
If you’re a roofing contractor in Arizona, you probably have questions like:
This guide answers those questions and provides real-world insights to protect your business, employees, and assets.
Roofing is one of the highest-risk trades in construction. One accident, lawsuit, or uncovered claim could wipe out your business overnight.
These are the four essential types of insurance every Arizona roofer should have:
Example: If a worker accidentally damages a client’s roof, general liability covers repair costs instead of you paying out of pocket.
Example: If an employee falls off a ladder, workers’ compensation pays for medical expenses and lost wages. Without it, you could face a lawsuit or fines.
Learn more about workers’ compensation requirements in Arizona
Example: If a storm damages an unfinished roof, builder’s risk covers repair costs so you don’t lose money before the job is done.
Example: If your truck gets rear-ended on the way to a job site, commercial auto insurance covers repairs and medical costs.
Discover how to save money on contractor insurance
The cost of insurance depends on:
| Insurance Type | Cost Range |
|---|---|
| General Liability | $500 – $2,500 per year |
| Workers’ Compensation | $1,000 – $5,000 per year |
| Builder’s Risk | Varies by project |
| Commercial Auto | $600 – $3,000 per year |
Most contractors think they’re covered—until an accident proves them wrong. Here are the biggest insurance mistakes Arizona roofers make and how to avoid them.
Cheap policies often exclude high-risk roofing work, leaving you uncovered when you need protection most.
Fix: Always ask, “Does this policy cover all the roofing services I provide?”
A single injury lawsuit can cost $50,000 or more in legal fees. If your coverage limit is too low, you could be forced to pay the rest out of pocket.
Fix: Make sure your General Liability policy covers at least $1 million per claim.
If a subcontractor gets injured and isn’t covered by your policy, you could be responsible for their medical bills.
Fix: Make sure every subcontractor is listed under your workers’ compensation policy or carries their own.
Not all insurance providers understand the unique risks of roofing. Here’s how to find the right coverage:
Roofing insurance isn’t just about staying legal—it’s about protecting your business, your workers, and your livelihood.
I’ve seen too many contractors lose everything because they thought they were covered—only to find out their policy had loopholes that left them exposed.
Your next step? Let’s go over your current policy together. I’ll help you find the gaps before they cost you thousands.
Schedule a free roofing insurance review today. Let’s make sure you’re covered before you actually need it.