GENERAL CONTRACTORS
You manage the build.
Let’s address the risk.
General contractor insurance in Arizona, built around your projects, your crew and the subcontractors you bring to the job.
Start with how you build.
New construction, tenant improvements, additions and remodels bring different questions. Tell us what you build, where you work and which parts of the job you perform yourself. We’ll use that conversation to explore your insurance options.
The coverage conversation.
- General liability: Discuss third-party injury and property damage exposures, including work performed by subcontractors.
- Workers’ compensation: Review protection for your employees and the work they perform.
- Commercial auto: Discuss the vehicles used in your business.
- Tools and equipment: Review owned, leased and borrowed equipment, including where it is used and stored.
- Builders risk: Discuss property under construction and materials, including who arranges the policy for each project.
- Umbrella and excess liability: Explore additional liability limits and how they fit with underlying policies.
Bring the project details.
Have an upcoming bid or renewal? These details give us a useful starting point:
- Residential or commercial projects, typical project size and locations.
- New builds, remodeling, additions or tenant improvements.
- Work performed by your employees versus subcontractors.
- Estimated revenue, payroll and subcontractor costs.
- Current policies, available loss history and any owner-provided insurance requirements.
Subcontractors deserve a closer look.
Bring your subcontractor agreements and insurance requirements into the discussion. Ask how your policy treats subcontracted work and whether the operations described match what happens on site.
Questions before the next job.
Can you help with residential and commercial work?
Tell us your project mix, locations and scope. We’ll confirm available options for your operations rather than assume one program fits every contractor.
What if I subcontract most of my work?
Tell us which trades you hire and what work your own crew performs. We’ll include those details in the insurance conversation.
What should I send for a quote?
Start with your business and project details. We’ll follow up about current coverage, loss history and any supporting documents needed to explore options.
Coverage availability, limits and exclusions vary by policy and carrier. Coverage background: Travelers general contractor insurance and builders risk overview.
COVERAGE QUESTIONS, ANSWERED
Arizona General Contractor Insurance
General contractor insurance usually combines several policies around the work you manage and perform. General liability, workers’ compensation, commercial auto, equipment coverage, and project-specific builders risk address different exposures. Subcontracting work does not remove the need to review your own insurance.
What to discuss before comparing policies| Subcontractor work | Compare written agreements, certificates, and required endorsements. Ask how your own policy treats subcontracted operations. |
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| Project property | Identify who arranges builders risk, when coverage starts and ends, and whether materials in transit or storage are included. |
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| Contract requirements | Review additional insured status, completed operations, waivers, and required limits before agreeing to provide them. |
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What affects the cost?
Project types, residential versus commercial work, revenue, payroll, subcontractor costs, claims history, and chosen limits can affect pricing. A contractor managing new builds may need a different program from one performing small tenant improvements. Compare policy terms alongside the premium.
Does a subcontractor’s certificate protect my company?
A certificate alone does not establish every protection your contract requires. Review the policy endorsements and the written agreement, including additional insured requirements. Ask construction counsel to review indemnity provisions and your broker to address the insurance requirements.
ILLUSTRATIVE SCENARIO
Where policy details matter.
You hire a plumbing subcontractor for a tenant improvement. After completion, a leak damages the tenant’s property. Questions include whose work caused the loss, which policies may respond, whether completed operations apply, and whether the required additional insured endorsement was obtained.
Educational reference: Travelers: contractual risk transfer. Examples do not establish coverage for a particular claim.
Discuss your coverage ↗CIVIL CONSTRUCTION
Excavation, utilities, and infrastructure.
Explore a coverage conversation built around heavy equipment, underground work, job contracts, and your actual operations.
Explore civil contractor insurance ↗
