How fast can I get a Certificate of Insurance?

Same day. Once your policy is bound we can issue COIs with additional insureds in under an hour. Most contractors and motor carriers receive their COI the same business day they call us.

How much does business insurance cost?

A typical small business pays $500–$1,500 per year for a Business Owner’s Policy. Trucking insurance ranges $9,000–$18,000/year per truck. Contractor general liability starts around $50/month. Pricing depends on your trade, payroll, claims history, and state.

Do you write new motor carrier authority?

Yes. We write brand-new MC numbers with no prior insurance history. Most carriers refuse new authority — we welcome it. We file your BMC-91 and MCS-90 the day your policy binds.

Can I bundle multiple policies?

Yes. Bundling general liability with property, workers comp, commercial auto, or cyber typically saves 10–20%. We shop multiple A-rated carriers to find the best combined rate.

Are you an independent agency or captive?

ProRisk Insurance is an independent agency. We shop multiple carriers on every quote so you get the best rate, not the only rate.

How do I get a quote?

Fill out the quote form on this page, or call (888) 493-8055. Most quotes come back within 24 hours. Trucking and contractor quotes often bind same-day with a down payment.

Licensed Insurance AgencyA+ Rated Carriers4 States · AZ · CA · NV · TX

Business Insurance for Arizona, California, Nevada & Texas

Trucking, contractors, cyber liability, and small business insurance — serving Arizona, California, Nevada and Texas. Get covered in 3 simple steps.

Get Your Quote Now Learn How It Works

California Licensed

Construction Specialists

Business Coverage

Multi-State Coverage

Coverage Types

Comprehensive insurance solutions tailored to your business needs

Contractors Insurance

Tailored protection for contractors and construction professionals.

Contractor Liability

Tools & Equipment

Surety Bonds

Professional Liability

Learn More About Contractors Insurance

Small Business Insurance

Comprehensive protection for small businesses across Arizona, California, Nevada and Texas.

General Liability

Property Insurance

Workers Compensation

Business Interruption

Learn More About Small Business Insurance

Trucking Insurance

Specialized coverage for trucking companies and commercial vehicle operations.

Commercial Auto

Cargo Coverage

Motor Truck Cargo

Non-Trucking Liability

Learn More About Trucking Insurance

Cyber Liability Insurance

Modern protection against cyber threats and data breaches.

Data Breach Response

Cyber Extortion

Business Interruption

Legal Defense

Learn More About Cyber Liability Insurance

Need Custom Coverage?

Every business is unique. Let our experts create a tailored insurance package that fits your specific needs and budget.

Speak with an Expert

Get Covered in 3 Simple Steps

Our streamlined process makes getting business insurance fast, easy, and affordable

01Step 01

Tell Us About Your Business

Share some basic information about your business, industry, and coverage needs. Our smart form makes it quick and easy.

Quick 5-minute form

Industry-specific questions

No hidden requirements

02Step 02

Get Instant Quotes

Our system instantly compares rates from top insurers to find you the best coverage at competitive prices.

Multiple carrier quotes

Instant price comparison

Transparent pricing

03Step 03

Get Covered Today

Choose your preferred coverage, complete the application, and get your policy documents instantly. It’s that simple.

Instant policy documents

Digital certificates

24/7 support

Fast & Easy

Get covered in minutes, not weeks

Best Rates

Compare multiple carriers instantly

Expert Support

24/7 customer service team

Start Your Quote Now

What Our Clients Say

5.0 on Google

“Got my new MC authority insured the same day I called. ProRisk filed my BMC-91 and had me on the road by Friday. No other agent would even quote me.”

Marco R.

Owner-Operator · Phoenix, AZ

“They wrote my CSLB bond and GL together in one phone call. COIs come back same day with additional insureds — never had that with my old agent.”

Sarah L.

General Contractor · Aliso Viejo, CA

“Saved me $3,400 on my renewal compared to last year. They re-shopped four carriers without me asking. That’s how an independent agent should work.”

Daniel K.

Electrical Contractor · Las Vegas, NV

“Bundled my BOP and cyber liability into one policy. The team explained everything in plain English — I finally understand what I’m paying for.”

Jessica M.

Small Business Owner · Houston, TX

Read all our reviews on Google →

We're More Than Just an Agency—We're Family

At ProRisk Insurance Services, we're more than just an agency—we're a family. From the moment you walk through our doors, you'll feel the warmth and care that sets us apart. We're here to build lasting relationships, not just sell policies.

Our team believes in going above and beyond to help our clients. Have questions about coverage? Need assistance filing a claim? Just want to chat about the best options for your situation? We're always ready to lend a hand with a smile.

With our wide range of insurance options, we make sure you're covered in every area of life. From auto and home insurance to life and business coverage, we tailor policies to fit your unique needs and budget.

You're not just another policy number—you're part of our family. Let us show you the difference personalized, caring service can make.

Family-First

We treat every client like family — not a policy number.

Lasting Relationships

We build long-term partnerships, not one-time sales.

Always Available

Questions, claims, or just a chat — we’re always here to help.

Tailored Coverage

Policies built around your needs, your budget, your business.

Get Your Free Quote

Get your personalized quote in under 24 hours. Our licensed insurance specialists will review your needs and connect you with top-rated carriers offering competitive rates.

SSL Secured

No Spam Guarantee

CCPA Compliant

Frequently Asked Questions

Real answers from licensed insurance agents — no corporate fluff.

ProRisk Insurance is licensed in Arizona, California, Nevada, and Texas. We write business, trucking, contractors, cyber liability, and small business insurance across all four states from one agency.