Roofing contractors in Arizona operate in a high-risk industry where proper insurance coverage is not just recommended—it’s essential. Whether you run a small business or a large company, having the right insurance protects your operations, ensures compliance with Arizona’s laws,…
If you’re an Arizona roofing contractor, you might believe that having insurance means you’re fully protected. I once shared that belief—until I faced a harsh reality. Before founding Prime Risk Insurance, I worked as a contractor in Arizona. However, due…
Hi, I’m Kody, founder of PrimeRisk Insurance Arizona. If you’re a roofing contractor working in Phoenix, Tucson, or Flagstaff, you know that the Arizona climate—extreme heat, monsoon storms, and haboobs—poses unique challenges. Whether it’s accidents on the job site, property…
Hiring subcontractors in Phoenix, Tucson, or Scottsdale can help you complete roofing projects efficiently, but it also exposes your business to potential financial and legal risks. A common question Arizona roofing contractors ask:Can subcontractors be covered under my insurance policy?The…
Running a roofing business in Arizona—whether you’re working in Phoenix, Tucson, or Flagstaff—presents unique challenges. From the scorching heat of the Sonoran Desert to sudden monsoons in the Valley and fierce competition in the market, the risks are real. Beyond…
I just had an intake meeting with a roofing company in Arizona that was paying over $20,000 annually for their general liability insurance policy. Sounds normal, right? But here’s the problem: They were essentially paying for a piece of paper…
If you’re a contractor in Arizona—especially in Phoenix—you’ve probably heard the term “bonded and insured.” But what does that mean, and why should you care? Here’s what you need to know about contractor bond insurance in Arizona, why it matters,…
When it comes to construction, there are a lot of moving parts to manage—both literally and figuratively. From securing permits to overseeing timelines and managing labor, contractors have enough on their plates without worrying about unexpected losses or damage during…
When you purchase a General Liability (GL) policy, you’re protecting your business from a wide range of risks. But like all insurance, these policies come with exclusions—areas where coverage doesn’t apply. One of the most misunderstood exclusions is the “Your…
I had a conversation yesterday with the owner of a painting company who found himself in a tough spot. He’s been running his business using all 1099 independent contractors. But there was a problem. He didn’t require these contractors to…
