The cheaper quote got cheaper somehow.
A lower number usually lost something to get there. An endorsement, a sublimit, a job type. Nobody told you which one.
Arizona’s Blue Collar Business Insurance Broker: Find the gap before the claim does.
Independent insurance for Arizona contractors, roofers, home service crews, movers and technology companies. We read your contracts and your policy side by side, shop the market and build coverage around the work you actually do.
New coverage or a second look at what you have.
Real conversationPlain-English answersNo pressure
Rather talk now? Call Kody at 480-613-8387
Kody HoukFOUNDER & PRINCIPAL
5.0 ★ on Google56 reviews from business owners
Independent agencyWe compare options for you. We don’t work for one carrier.
Industry-focusedContractors, home services, movers, cyber and Tech E&O
Arizona ROC bondsFind your bond amount ↗
I’m not here to sell you the cheapest policy in town. I’m here to make sure the one you buy pays when you need it, and to show you exactly why.
Kody Houk, Founder & Principal
THE PROBLEM
Most contractors find out what their policy excludes the day a claim gets denied.
Not because they’re careless. Because they’re busy, and most business insurance gets sold for speed instead of protection.
Your certificate isn’t your coverage.
A certificate shows a policy exists. It doesn’t show what the endorsements took away, and more general contractors and property managers are asking for the actual forms.
Your business grew. Your policy didn’t.
New hires, new trucks, bigger jobs. If your policy still describes the business you had two years ago, the audit or the claim will find it before your agent does.
That’s how a good business gets taken out by one bad claim.
THE FINE PRINT
Four lines that quietly sink contractors.
Wording like this shows up on real policies. Tap each one to see what it does, what it can cost you and how we handle it.
ISO FORM CG 21 39
Contractual liability limitation
- What it does
- Narrows coverage for liability you take on in a contract, like the hold-harmless and indemnity language in many subcontracts.
- What it can cost you
- You sign a contract promising to defend the GC. Something goes wrong, and the policy may not back the promise you made. That gap can land on your business.
- What we do
- Read your contracts against your forms before renewal and look for coverage that keeps contractual liability where you need it.
ISO FORM CG 22 94
Subcontractor work exclusion
- What it does
- Removes the exception that normally helps when a subcontractor’s work causes damage to your completed project.
- What it can cost you
- A sub’s mistake shows up after the job is done. Repairing your own finished work may fall outside the policy.
- What we do
- Look for markets that keep the subcontractor exception and help you tighten sub agreements and certificate tracking.
WATCH FOR
Residential and tract housing exclusions
- What it does
- Carrier-specific wording that can remove coverage for condos, townhomes, tract homes or multi-family projects.
- What it can cost you
- One project type you didn’t think twice about can sit outside the policy entirely.
- What we do
- Match the work your policy allows to the work you actually bid, line by line.
WATCH FOR
The wrong job description
- What it does
- Your policy lists one classification while your crews are doing different work.
- What it can cost you
- Claims on work the policy doesn’t describe can be disputed, and a year-end audit can reclassify you with a bill you didn’t budget for.
- What we do
- Describe your operations accurately on the application so the policy fits the business you really run.
THE PRIMERISK APPROACH
Good advice. Clear options. A real relationship.
Most agents start with a price sheet. We start with your jobs, your contracts and your crew, then go find the policy that fits.
- STEP 01
Understand the work.
Your operations, crew, vehicles and contracts give us the starting point.
- STEP 02
Read the fine print.
Your current policy, your contracts and your GC’s requirements, side by side, in plain English.
- STEP 03
Make sense of the options.
Compare coverage, cost and exclusions with someone who can explain the differences.
- STEP 04
Keep the conversation going.
New hires, new equipment, bigger jobs. Bring us in as your business changes.
Price matters. Coverage matters more. You should know exactly what you’re paying for.
Get my quoteCoverage gaps they didn’t know about
★★★★★
Kody and his team went above and beyond for us. We had coverage issues that we weren’t aware of and finally have peace of mind for our commercial insurance policy. Thanks Kody!
Angelo PenaGoogle review · Feb 2025
Old policy didn’t fit the work
★★★★★
Kody and team work hard and efficiently to make us compliant with the jobs we perform. Id highly recommend them if you need a new business policy or are wanting a change. My last insurance barely covered me for anything I was doing holding me back from making any growth! 5 stars all the way ! THANKS FOR MAKING HERO AC & HEAT COMPLIANT! 👊
Samuel Lara (Skamuwell)Google review · Jan 2025
A contract required cyber
★★★★★
Working with PrimeRisk was a great experience. I’ve always had poor experiences with insurance agents, but the team at PrimeRisk are true professionals. They helped me get cyber insurance for a large contract. They were super responsive and very knowledgeable. I look forward to working with PrimeRisk for many more years as we continue to grow.
A GGoogle review
Certificates back in hours
★★★★★
Kody is awesome to work with! Got one company already switched over to him and working on the next now. Perfectly balances risk aversion with practicality; truly consultative. Love that I have a dedicated email to send CoI requests to and I'm getting them back in a couple hours. Thanks Kody!
Shane LevinsonGoogle review · Aug 2025
The cheapest option wasn’t covering them
★★★★★
…He cares about his clients and make sure they are properly educated about their insurance and make sure your covered properly. He takes the time to explain the value of being properly covered and not taking the cheapest options others offer that do not properly cover your insurance needs…
Nicholas BigelowGoogle review · Mar 2025
Insured for growth, not just today
★★★★★
Not only has saved us a ton of money on insurance, but has us properly insured and made sure our insurance needs are up to par with new and future growth. Highly recommend
brady lakeGoogle review
Higher limits, lower cost
★★★★★
Working with Kody at Prime Risk Insurance Solutions has been a great experience. Not only did he explain everything to me in great detail, walk me through why I needed the coverage we were getting but he was also able to increase my limits with a saving. Great company, great service and I highly recommend them!!
Stacy MarsilioGoogle review · Mar 2023
High cyber limits on a budget
★★★★★
Kody was very helpful when I was looking for affordable cyber liability insurance with a high limit. He provided quick responses and took appropriate actions promptly. Very highly recommended.
Brandon KimGoogle review · Sep 2024
No junk they didn’t need
★★★★★
Kody with PrimeRisk Insurance is the best in the Valley. He is not the typical salesman... He knows the insurance business and will not waste your money and time with junk you do not need.
Michael the Travel GuyGoogle review · Feb 2025
★★★★★
Superb customer service! Answered all my questions about business insurance and got me on the right path. We highly recommend PrimeRisk Insurance Solutions for all commercial business insurance needs!
Renee DeinesGoogle review
A cell phone that gets answered
★★★★★
Kody is an amazing agent that offers phenomenal customer service! There’s not many agents that give you their cell phone and then actually take your call after hours! I can’t recommend Kody and his team highly enough!
Curt CalvertGoogle review · Jul 2022
The correct coverage, every renewal
★★★★★
Kody handles our business policy and always makes sure we have the correct coverage and everything we need. 100% satisfied with this company and I’d recommend anyone with a business to talk with him about policies.
Kevin PresmykGoogle review · Jun 2025
Rating checked September 25, 2026 · Word for word from our Google reviews; “…” marks a shortened review · Read our reviews on Google ↗
Wrote the book
Kody is the author of The Blue Collar Business Insurance Blueprint.
Trains other agents
Co-runs the Commercial Insurance Blueprint coaching program and REAL Insurance Training for independent agents.
Teaches the industry
Recurring educational contributor to IAPD’s Performance Plastics magazine.
Speaks to contractors
Presents to contractor audiences on roofing contractor insurance.
WHO WE HELP
Built for the trades. Ready for the risks.
We don’t try to insure everybody. Start with your industry and we’ll help you ask the right questions about the coverage behind your business.
01
Roofing contractors
Coverage that starts with the work you actually do.
Roofing Risk Roadmap02Civil contractors
For the crews building the infrastructure above and below ground.
Excavation · Utilities · Grading · Roadwork03General contractors
For the builders coordinating the project from start to finish.
New construction · Remodels · Tenant improvements04Home service businesses
For the crews keeping homes running, inside and out.
HVAC · Plumbing · Electrical05Moving companies
A closer look at your trucks, your crew and the cargo.
Local moves · Growing fleets06Cyber & technology
For businesses across industries and the technology behind their work.
Cyber insurance · Technology E&O60-SECOND GAP CHECK
How exposed is your business right now?
Answer seven yes-or-no questions. Every “yes” is a spot where policy wording deserves a closer look. Your answers stay on this page unless you choose to bring them into your coverage review.
Do you sign contracts with hold-harmless or indemnity language?
Do you hire subcontractors?
Do you work on condos, townhomes, tract homes or multi-family?
Has your crew, revenue or type of work changed in the last 12 months?
Do employees ever drive their own vehicles for work?
Do you keep tools or equipment in trucks or on job sites overnight?
Do you take card payments or send invoices by email?
QUESTIONS
Straight answers to fair questions.
Don’t see yours? Call 480-613-8387 and ask Kody directly.
Why use an independent agency instead of calling a carrier directly?
A carrier can offer its own policies. An independent agency can compare options from multiple insurance markets, explain the differences in coverage and help you decide what fits your work.
Will better coverage cost me more?
Sometimes it costs less, sometimes more. When the right coverage costs more, we show you exactly what the difference buys so you can make the call.
Can you review my current policy even if I’m not shopping?
Yes. Bring your declarations pages and a recent contract. If your program is solid, we’ll tell you. If it isn’t, you’ll know where to look.
What do I need to get a quote?
Your current declarations pages, loss runs if you have them, estimated payroll and revenue, a vehicle and driver list, and any contracts with insurance requirements. Missing some of it? Start anyway and we’ll help you track the rest down.
My GC wants additional insured and waiver of subrogation. Can you help?
Yes. We compare the contract’s insurance requirements to your policy, including additional insured wording for ongoing and completed work and waiver of subrogation, before you start the job.
Where do you work?
We’re based in Queen Creek and most of our clients are Arizona businesses. Tell us where you operate and we’ll confirm whether we can help.
What happens if I have a claim?
Call us. We’ll help you report it the right way and stay in the conversation with you and the carrier.