Contractors New ROC license Book a call
For Arizona ROC-licensed contractors · independent broker

Contractor insurance that keeps you on the job site. Free coverage review in 24 hours.

GL that satisfies the GC’s contract. Workers’ comp without audit surprises. Certificates when you need them. Send us your current policies — we read them line by line and send a written Cost & Risk report within 24 hours of receiving them. Free, no obligation to switch.

New ROC license? Get covered to start work

Prefer to talk? (623) 323-8385  ·  Book a 15-minute call

Every
ROC license type
24hr
Written review
Many
Carriers, one broker
$0
For the review
Independent broker — we work for you, not a carrier Every ROC license — B, A, KA, KB, C, R and CR Contract-ready — AI, primary & non-contributory, waiver All 50 states — for jobs outside Arizona
The problem

The premium isn’t what hurts contractors most. The surprises are.

A rejected certificate that holds up your start date. An audit bill nobody warned you about. A renewal increase nobody explains. Most of it traces back to policies nobody read against your contracts and your payroll.

01

The GC rejected your certificate

The contract asked for additional insured (including completed operations), primary & non-contributory wording, waiver of subrogation and a per-project aggregate. Your policy has some of them — or none.

We check endorsements against your contracts
02

The workers’ comp audit bill you didn’t budget for

Payroll landed in a higher-rated class code, or payments to subs without their own workers’ comp certificate were added to your payroll. By the time the audit arrives, it’s too late to fix cheaply.

We check class codes and sub COIs before audit
03

Renewal went up and nobody explained why

Your experience mod, your loss runs, or a carrier pulling back from your trade can all move the number. If your broker only calls once a year, you find out when the bill arrives.

We read your mod worksheet and shop the market
The DANESURE advantage

A second opinion in writing — with your contract requirements as the floor.

We read your policy line by line and show you what we found. If we find nothing, you have a free second opinion in writing. If you want options, we price every relevant line at three levels — and if a GC, owner or lender requires a limit, that’s where we start, not an afterthought.

Minimum limits Standard — recommended Higher limits

Every Cost & Risk Report shows all three tiers for every relevant line — with a clear recommendation. Not one quote from one carrier. The full picture, so you can actually decide.

3 levels
priced for every
relevant line
24 hrs
written review
after we get your docs
Free coverage review

Send us your policies. Get a straight answer in 24 hours.

If we find errors or gaps, we show you what they’re costing and what we’d do about them. If we find nothing, you have a free second opinion in writing.

  • 1
    Tell us about your companyName, email, and why you’re reaching out. Takes 30 seconds.
  • 2
    Send your dec pages or policiesGL, workers’ comp, auto, equipment, umbrella — plus your experience mod worksheet and a contract’s insurance section if you have them. Email [email protected] or upload here. No login required.
  • 3
    Written Cost & Risk report within 24 hours of receiving your documentsClass codes, experience mod, limits against your contracts, endorsements, exclusions and gaps. This is the review of what you have — not carrier quotes.
  • 4
    15-minute call with a licensed brokerWe walk through what we found, in plain English. No pressure. You decide what, if anything, to change.
  • 5
    If you want options, we shop itWe market your account to multiple carriers. Quotes typically take 1–2 business days once underwriters have what they need (payroll by class, loss runs, vehicle and equipment lists).

No current policy because you just got your ROC license? Use the new-license path →

Get your free Coverage Review

A few minutes of your time. The report is free, and so is the answer.

Policy data via secure document upload
Email or uploadNo login needed2 min · simple upload
Please enter your name
Please enter a valid email
What coverage are you looking to add or change?
Specific limit required by a client contract, lender, or lease?
Please select a reason

No credit card. No obligation. As your broker, we work for your interests — not the insurance company's. We shop a national carrier network to find you the best coverage at the best price.

You’re in — one step left

Upload your policy documents so we can start your review. Takes 2 minutes.

Upload Your Policy Documents →

Upload your dec page or policy documents · We’ll handle the rest
Secure upload · Reviewed by our team within 24 hours

What happens next
Within 24 hours of receiving your documents: your written Cost & Risk report on the policies you have now. If you want carrier quotes after that, they typically take 1–2 business days.

After that: we’ll email a scheduling link so you can pick a time to walk through the findings. No rush — you set the pace.

Questions before your review?  (623) 323-8385  ·  M–F 8am–6pm AZ

Coverage for contractors

The lines Arizona contractors actually need. Many carriers. One broker.

We shop the carriers in our national agency network that write your trade — not just the one that renewed you last year.

Liability

General liability

Ongoing and completed operations, with additional insured, primary & non-contributory, waiver of subrogation and per-project aggregate endorsements your GCs ask for.

Workers' comp

Workers’ compensation

Correct class codes, experience mod review, owner elections, and sub certificates on file before the auditor asks.

Auto

Commercial auto

Pickups, vans, dump trucks and trailers — plus hired & non-owned auto for crews who drive their own vehicles.

Equipment

Inland marine & tools

Contractors equipment and tools — owned, leased or rented — on the job, in the yard or on the trailer.

Property

Builders risk

Structures and materials under construction, valued at today’s build costs, with exclusions checked against the job.

Excess

Umbrella / excess

The additional limits larger GCs, owners and public agencies require, following form over the endorsements they ask for.

Pollution

Contractors pollution

Excavation, septic, HVAC and mold, silica and fuel exposures that most GL policies exclude.

Professional

Professional liability

For design-build and delegated design, and for the architects and engineers who work with contractors.

Bonds

License & contract bonds

Tell us what you need and we’ll check whether we can place it through our network. No promises — just a straight answer.

Find your trade

Every ROC license type. Pick yours.

Each page lists the classifications it covers, the contract requirements you’ll see, and the coverage that matters for that work.

B · B-1 · B-2 · B-3 · KB-1 · KB-2

General & building contractors

Owner and lender requirements, builders risk, sub certificates.
A · A-5 · A-12 · A-16 · A-17 · KA

Heavy civil & underground

Underground exclusions, pollution, heavy equipment, public-works contracts.
CR-11 · C-11 · R-11 · CR-67

Electrical & low voltage

Service vans, tools, solar work, completed operations.
CR-37 · C-37 · R-37 · CR-16

Plumbing & fire protection

Water damage, mold and sewer exposures, service fleets.
CR-39 · C-39 · R-39 · CR-4

HVAC & mechanical

Summer fleets, refrigerant and mold, rooftop work.
CR-42 · C-42 · R-42

Roofing

A hard market: height and hot-work terms, high comp rates.
B-5 · KA-5 · CR-6

Pools & spas

Excavation to service route, chemicals included.
CR-21 · C-21 · R-21

Landscape, hardscape & irrigation

Crews, trailers and equipment across the Valley.
CR-9 · CR-31 · CR-17 · CR-70

Concrete, masonry & steel

Long-tail defect exposure and high-rated classes.
Paint · drywall · floor · tile · glazing

Finish trades

Small crews, full insurance exhibits, 1099 labor at audit.
Demo · fencing · signs · septic · solar

Specialty trades

The exclusions most brokers never read.
Newly licensed

New ROC license, no policy yet

Get the coverage and certificates you need to start work.

Classification names are summarized. DANESURE is not affiliated with the Arizona Registrar of Contractors. See all contractor coverage →

Why DANESURE

A broker who speaks contractor.

Fast certificates. No audit surprises. Plain English. Still around after the sale.

  • Built around ROC-licensed contractors

    We work with every license type — B, A, KA, KB and the C, R and CR specialties. We know what a GC’s insurance exhibit asks for, and we read your policies against it before you sign.

  • Certificates without the chase

    Email or call with the certificate holder and the job, and we turn it around fast — because a missing COI means you can’t get on site. If the contract needs an endorsement you don’t have, we tell you what it takes to add it.

  • No surprise audit bills

    We check your class codes and experience mod, and help you keep sub certificates on file, so the audit confirms what you expected instead of rewriting it.

  • Independent — we work for you, not a carrier

    We have access to many carriers through a national agency network and can take your account to the ones that write your trade. We’re paid by the insurance company when you buy, and we’ll tell you how that works.

  • Plain English, and we pick up the phone

    No jargon, no phone tree, no disappearing after the policy is sold. Call (623) 323-8385 or book a 15-minute call.

The difference

The review isn’t the pitch. It’s the product.

We show you what’s wrong before we talk about switching. If you want options, we price minimum, standard and higher limits — with your contract requirements as the floor. If nothing’s wrong, we tell you that too.

3
Coverage levels priced
1
Point of contact
24hrs
Written review, after docs
1–2 days
Typical carrier quotes
Independent broker · access to many carriers
Regional and national carriersThrough the Smart Choice agency networkCoverage in all 50 states
FAQ

Contractor insurance, in plain English.

Straight answers for Arizona contractors comparing their coverage.

Arizona first · all 50 states

Contractors across Arizona — and on jobs out of state

Phoenix, Tucson, Mesa, Scottsdale, Gilbert, Glendale, Chandler, Peoria, Tempe, Queen Creek and beyond. Bidding work in another state? We place coverage in all 50 through our agency network.

Arizona Cities
Texas & Southeast
West & Mountain
Midwest & Charlotte
Ready to start?

Send us your policies. We’ll tell you what we find.

Email your dec pages or upload here. Written Cost & Risk report within 24 hours of receiving them, at no cost.

Book a 15-minute call
New ROC license? Get covered to start work  ·  (623) 323-8385  ·  M–F, 8am–6pm AZ

Not a contractor? We quote commercial insurance for any business — .