Contractor Insurance in Arizona

The Arizona Registrar of Contractors (ROC) requires all licensed contractors to maintain general liability insurance with minimum limits that vary by license class — typically $500,000 per occurrence for residential contractors and higher for commercial. Workers compensation is required for all employers with any employees. Residential contractors also have bonding requirements through the ROC Residential Contractors Recovery Fund.

Yes. Arizona requires all employers with one or more employees to carry workers' compensation insurance through a licensed insurer or qualify as self-insured. There is no minimum hours threshold — even part-time employees trigger the requirement. Construction is one of the highest-risk industries for workers comp claims, and Arizona enforcement is active.

Arizona contractors must be licensed by the Registrar of Contractors (ROC). The ROC issues licenses for residential (B-1), commercial (B), and specialty contractors in over 50 trade classifications. Most commercial licenses require a qualifying party to pass a trade exam. Insurance requirements vary by license class. Altamira can help you understand and obtain the insurance required for your ROC license classification.

Yes. Altamira serves contractors statewide across Arizona, including Phoenix, Mesa, Tempe, Scottsdale, Chandler, Gilbert, Glendale, Peoria, Surprise, Tucson, Flagstaff, Prescott, and all other cities and unincorporated areas. We can bind coverage and issue certificates for work anywhere in the state.