Everything a Contractor Needs -

All In One Place


At JP Insurance Group, contractor insurance isn’t one of many things we do—it’s the only thing we do. Our Arizona-based agency provides a full suite of insurance services designed specifically for construction businesses, from independent tradesmen to growing crews. Whether you're managing remodels in Mesa, roofing in Queen Creek, or running plumbing jobs across the Valley, we’ve got coverage built for how you work.



Every policy is designed to address the real risks you face on site, in transit, or at the shop. From liability claims to stolen tools, we help contractors across Arizona stay protected and keep building.

Coverage Options Built Around the Way You Work

At JP Insurance Group, contractor insurance isn’t one of many things we do—it’s the only thing we do. Our Arizona-based agency provides a full suite of insurance services designed specifically for construction businesses, from independent tradesmen to growing crews. Whether you're managing remodels in Mesa, roofing in Queen Creek, or running plumbing jobs across the Valley, we’ve got coverage built for how you work.



Every policy is designed to address the real risks you face on site, in transit, or at the shop. From liability claims to stolen tools, we help contractors across Arizona stay protected and keep building. Here’s how we help:


General Liability Insurance

Protects your business against third-party claims for property damage or bodily injury—essential for licensed contractors in Arizona.

Workers’ Compensation Insurance

Covers medical expenses and lost wages for employees injured on the job. Required if you have a crew in Arizona.

Commercial Auto Insurance

Covers trucks, vans, trailers, and other vehicles used for business—whether they’re parked on site in Tempe or hauling gear to Tucson.

Contractor Tools & Equipment Coverage

Insures tools, machinery, and materials—whether they’re in your trailer, truck, or on a job site. Often referred to as inland marine insurance.

Builder’s Risk Insurance

Protects structures under construction from theft, fire, and other unexpected damage. Ideal for new builds or major remodels.

Contractor Bonds

We issue license & permit bonds required for Arizona contractor licensing, as well as bid, performance, and payment bonds for project work.

Umbrella Liability Insurance

Adds an extra layer of protection when your standard policy limits are maxed out—often required for larger commercial jobs.

Life Insurance / Key Person Coverage

Protects your business long-term with coverage for owners, partners, or essential personnel. Ask about business continuation planning.

Each of these coverages links to a deeper breakdown, so you can dig into what’s relevant for your trade, business size, and risk level.

We Cover Contractors Across Every Trade

Whether you’re a general contractor managing large builds in Surprise or a subcontractor specializing in finish work in Scottsdale, our insurance plans are designed for your industry. We work with a wide range of construction professionals, including electricians, plumbers, HVAC contractors, roofers, remodelers, drywall and framing contractors, painters, excavation crews, concrete and masonry contractors, and many others. If you need something more specialized, please reach out to us today!

Frequently Asked Questions – Contractor Insurance

  • What insurance do Arizona contractors legally need?

    If you have even one employee, Arizona law requires workers’ comp. All licensed contractors must also carry a contractor license bond filed with the AZ ROC. General liability insurance isn’t required by law—but most job sites, clients, and GCs won’t work with you unless you have it.

  • What’s the difference between a contractor bond and liability insurance?

    A license bond protects the public—it guarantees you’ll follow Arizona’s contractor laws. Liability insurance protects you—covering claims for property damage or injuries caused by your work. You usually need both to be compliant and competitive.

  • I don’t have employees—do I still need workers’ comp?

    Maybe. Sole proprietors aren’t legally required to cover themselves, but many jobs still require a certificate of workers’ comp coverage. That’s where a ghost policy comes in—an affordable way to meet contract requirements without paying full comp rates.

  • Can I bundle my contractor policies to save money?

    Yes. We can bundle general liability, tools & equipment, commercial auto, and even umbrella coverage. Bundling often lowers your total cost and simplifies renewals.

  • How fast can I get a quote and certificate?

    Often same-day. We work quickly because we know how urgent it is when you’re trying to bid or get on a job site. Once coverage is in place, we can issue Certificates of Insurance (COIs) immediately.

  • Do you offer bonds too, or just insurance?

    We handle both. Whether you need a basic license bond or a bid, performance, or payment bond for a bigger job, we’ll guide you through the process and help you get bonded fast.

Let’s Build Your Custom Insurance Plan

Not sure what policies you need? That’s exactly what we’re here for. Our team will walk you through each type of coverage and help you build a plan that fits your business—not just a generic package.


Contact us to schedule a no-obligation consultation or start your quote.

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