Contractors Insurance

Built for licensed contractors who can’t afford a gap in coverage.

Contractors Insurance across the Southwest

Contractors insurance from ProRisk protects your license, your crew, and every job site you work on. Whether you’re a general contractor pulling permits, a roofer climbing in 110° heat, or a one-truck handyman, the right policy keeps you bondable, OSHA-compliant, and on the hook for nothing more than the work you signed up for.

What Contractors Insurance Covers

General Liability

Covers bodily injury and property damage you cause on the job — required by almost every GC, property manager, and city permit office.

Workers’ Compensation

Mandatory the moment you hire your first W-2 employee. Pays medical bills and lost wages if a worker gets hurt on site.

Commercial Auto

Trucks, vans, and trailers used for the business — personal auto policies will not pay claims on a work vehicle.

Tools & Equipment

Replaces stolen or damaged tools, ladders, compressors, and small equipment on the jobsite or in the truck.

Surety / License Bonds

Required to pull or maintain your contractor license. We write CSLB, AZ ROC, NV NSCB, and TX bonds.

Builder’s Risk

Covers a structure under construction against fire, theft, vandalism, and weather until the job is complete.

Who We Insure

General ContractorsRoofersElectriciansPlumbersHVACConcreteDrywallFramersLandscapersPaintersFlooring InstallersSolar InstallersHandymenRemodelers

Why AZ, CA, NV & TX Businesses Choose ProRisk

COIs in Hours, Not Days

Need a Certificate of Insurance to start a job tomorrow? We issue them same-day, additional insureds included.

Bondable from Day 1

We write the bond and the GL on the same application — no bouncing between agencies.

Multi-State Licensed

One agency for AZ, CA, NV, and TX. Move your crew across state lines without rewriting policies.

Real Humans on the Phone

Call (888) 493-8055 and talk to a licensed agent who knows construction — not a chatbot.

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

Contractors Insurance FAQs

How much does contractors insurance cost?

Most small contractors pay $50–$200/month for general liability alone. Pricing depends on trade, payroll, claims history, and state. Get a free quote in under 10 minutes.

Do I need workers comp if I’m a sole proprietor?

In California, contractors with C-39 (roofing) licenses are required to carry workers comp even with no employees. In AZ, NV, and TX, sole props are usually exempt — but most GCs will refuse to hire you without it.

Can I get a Certificate of Insurance the same day?

Yes. Once your policy is bound we can issue COIs with additional insureds in under an hour.

What is a contractor license bond?

A bond is a financial guarantee to the state and your customers that you’ll perform work to code. It is not insurance for you — it protects the consumer. ProRisk writes bonds in all four states.

Get Contractors Insurance by State

Contractors Insurance Overview Contractors Insurance California Contractors Insurance Arizona Contractors Insurance Nevada Contractors Insurance Texas

Other Coverage

Trucking Insurance Small Business Insurance Cyber Liability Insurance

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.