Home repairs, rental turnovers or regular maintenance. A small-job license exemption does not protect your business from a claim. Compare coverage for the repairs you actually take on. One broker, from quote to renewal.
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Compare coverage and price before you choose
Review new tasks, helpers and tools before the next job
Arizona requirements. One broker to help.
Markets we place through.
Protect the work, the people and everything it takes to get the job done. We’ll help you choose what fits.
Your work
LiabilityHelp protect your business when your work injures someone else or damages their property. Check protection for claims that arise after the job is finished.
Your people
State rulesHelp your employees get medical care and wage benefits after a covered work injury. We help you check state rules and customer requirements.
Your vehicles
On the roadProtect the driving behind the work. Review liability, vehicle damage and the use of hired or employee-owned vehicles separately.
Your equipment
On the jobHelp protect the equipment you depend on. Check how your drills, saws and ladders are covered at the shop, in transit and on the job.
For your next Arizona job and the changes after it, you have someone to call.
Arizona licensing and customer requirements checked togetherLimits and endorsements explained before you chooseCertificates issued from the policy as writtenHelp resolving the insurance questions holding up a jobArizona licensing and customer requirements checked togetherLimits and endorsements explained before you chooseCertificates issued from the policy as writtenHelp resolving the insurance questions holding up a jobReview new tasks, helpers and tools before the next jobTell us when you add a new kind of workWe coordinate requested changes with the carrierYour coverage reviewed as the business changesHelp reporting what happened to the carrierYour photos and job details organizedSomeone to call about the next stepFollow-up support while the carrier reviews the claimYour current policy and business changes reviewed togetherAvailable options compared on coverage and priceDifferences explained before you decideStay or switch. The choice is yoursYour license, customer contract and insurance each do a different job. We help you check how they fit together.
Already insured? Send it once. We compare it with today’s options.
What Arizona handyman businesses ask before choosing coverage.
No. Arizona’s statute includes conditions beyond price. A permit requirement, work forming part of a larger operation, advertising without the required unlicensed disclosure, and specified fire-safety or gas work can rule out the exemption. The statute also has special product-value provisions. Check the actual scope with ROC before bidding. Insurance does not override licensing requirements.
Arizona’s minor-work exemption is limited to qualifying projects with an aggregate price below $1,000, including labor and materials, subject to statutory details. A required permit, part of a larger project or restricted work can defeat the exemption. Advertising must disclose that you are not a licensed contractor.
Qualifying for a licensing exemption does not remove the risk of a customer injury or property damage claim. Review your task list and any customer’s limits and endorsements separately. If you need an ROC license, the contractor bond is a separate obligation, not liability coverage.
Arizona generally requires workers’ compensation for employers with workers, subject to statutory exceptions. Casual help and subcontractor labels need a closer look at the actual relationship. Ask about owner coverage and your obligations before someone joins you on a job.
There is no single price for every Arizona contractor. Your work, payroll or revenue, vehicles, claims history and coverage choices affect the quote. Two businesses in the same state can need different protection and pay different amounts. Riza helps compare available options, including limits, exclusions, deductibles and payment terms, so the monthly price is not the only thing you see. Tell us about your business or bring your current policy to start the conversation.
Yes. Bring your current policy and tell us what has changed in the business, whether that is more people, different jobs, new vehicles or a customer asking for higher limits. We help compare available options on coverage and price and explain the differences. You can decide whether to stay or switch. If you change policies, confirm the new coverage is effective before cancelling the old one so you do not create an unintended gap.
Tell us about your Arizona business, or bring your current policy. We’ll help you see your options.
Prefer to talk? Call +1 802-GOT-RIZA · Sun to Sat, 8am to 8pm ET