Contractor Insurance

Contractor Insurance In Arizona

Large national agencies, direct writers, and online rating platforms often focus on broad customer bases, resulting in a more generalized approach.  As a smaller family-owned agency, Wilson Insurance has the freedom to provide niche specialty for contractors.  This allows us deep specialization, market access, and localized market conditions that we leverage for our customers.  We love contractors!

Call us at 480-964-2400 to start saving money

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Tailored Coverages

We ‘measure twice and cut once’ to make sure your policy is square.

Discounts

We don’t want you to pay more than you should either. We will steer you towards savings

Why Wilson Insurance

We have been helping Arizona business owners for almost 40 years. We are your local insurance advocates.

Contractor Specialty
Since 1987 Wilson Insurance has been serving Arizona businesses.  We are your friendly, local, insurance advisors!
Wilson Insurance

We Want Your Business!​

Wilson Insurance is actively looking to write the following classes of business.  Operations with an asterisk* are preferred.

Carpentry *
Carpentry – Installation of Cabinet Work or Interior Trim/GL *
Ceramic Tile, Indoor Stone, Marble Work *
Concrete Construction NOC *
Concrete Flatwork *
Concrete Sawing
Conduit Construction *
Contractor – Project Manager, Construction Executive, Construction Manager, Construction Superintendent *
Door & Window Installation
Drywall, Wallboard, Sheetrock, Plasterboard, or Cement Board Within Buildings *
Electrical Wiring *
Excavation *
Floor Installation
Glazier *
Grading of Land *
Handyperson
HVAC/ GL *

Insulation Work *
Iron or Steel Erection
Landscapers *
Overhead Door Installation
Masonry *
Paving or Repaving Floors, Driveways, Yards *
Painting *
Plastering or Stucco Work *
Plumbing *
Roofing
Sewer Construction *
Sheet Metal Work – Installation *
Solar Energy Contractors
Specialty Trade Contractors NOC *
Steel Framing
Subcontracted Work in Connection with Building Construction

We Make COI Compliance Easy

Feel free to send vendor packets and COI requests to [email protected]. Our dedicated COI specialist will quickly rush a certificate out that will include the applicable policy forms for review.  If you do not have the required coverage, we will notify you what the cost will be to add coverage.  

Common GL COI Provisions for Contractors

Common GL COI Provisions on Acord 25 (Contractor)

  • $1M Each Occurrence
  • $1M Personal & Advertising Injury
  • $2M General Aggregate
  • $2M Products & Completed Operations
  • Aggregate $100,000 Damage to Premises Rented
  • $5,000 Medical Payment
  • Other
      • AM Best Rating A- or better
      • Blanket Additional Insured
      • Blanket Waiver of Subrogation
      • Primary and Noncontributory Requirement
      • Ongoing Operations Endt (CG 2010 04/13 or equivalent)
      • Completed Operations Endt (CG 2037 04/13 or equivalent)
      • 30-day Notice of Cancelation
      • Removal of Multi-Family Residential or Tract Housing Exclusion (Available upon request)
Common Commercial Auto COI Provisions

Common Commercial Auto COI Provisions on Acord 25 (Contractor)

  • Symbol 1 ‘Any Auto’
  • Symbol 7 & 8 ‘Hired and
  • Non-owned Auto
  • $1M Combined Single Limit (CSL)
  • $5k Medical Payment
  • Other
    • AM Best Rating A- or better
    • Blanket Additional Insured
    • Blanket Waiver of Subrogation

Common Workers’ Compensation COI Provisions on Acord 25 (Contractor)

  • $1M Each Accident
  • $1M Disease/Each
  • Employee $1M
  • Disease/Policy Limit
  • Other
    • AM Best Rating A- or better
    • Blanket Waiver of Subrogation

Common Umbrella/Excess Liability COI Provisions on Acord 25 (Contractor)

  • $1M – $10M Each Accident
  • $1M – $10M Aggregate
  • Other
    • AM Best Rating A- or better
    • Blanket Additional Insured
    • Blanket Waiver of Subrogation

Prime Subcontractors Appetite​

If you are a prime subcontractor, we want to work with you! We have markets for preferred and E&S market placements. To fit our preferred admitted market program the following conditions must be met:

Excluded classes of business: roofers, tree trimmers, door and window installers, landscapers, and contractors performing >25% of work for industrial or governmental agencies.

  • In business over 3 years as a subcontractor
  • Favorable loss history
  • GC obtains COIs for all subcontractors. Subcontractors must carry equal or higher limits as GC.
  • Subcontractor costs must be >$500k.
  • Combined payroll and subcontractor costs can’t exceed $15M
  • Longstanding relationship with all subcontractors
  • All subcontractors must be in business >3 years
  • Must have adequate job supervision by salaried employees at each job site
  • A signed, written subcontract agreement must exist between GC and all subcontractors that contains the following provisions
Subcontractor Coverage Limits

Subcontractor Coverage Limits

  • GL
    • $1M/$2M Limits
    • Name GC as an AI under the subcontractor’s policy
    • Hold harmless provision
    • Primary and noncontributory provision
    • Waiver of subrogation provision
    • CG2010 and CG 2037 forms
    • 30-day notice of cancelation
  • Auto
    • $1M CSL
    • Symbols 1 ‘Any Auto’, Symbol 7 ‘Hired Auto’, and Symbol 8 ‘Non-owned Auto’
  • WC
    • $500k/$500k/$500k limit
    • Waiver of Subrogation in favor of GC
  • Umbrella
    • Subcontractors performing commercial work must carry $5M umbrella
    • Subcontractors performing residential work must carry $3M umbrella