Scottsdale contractor insurance
ROC, additional insured, completed operations, and a certificate you can actually hand over.
A Scottsdale contractor file starts with the work you actually do, the ROC license if you have one, and the certificate the GC or property manager wants this afternoon. It does not start with a generic “GL” you bought to win a bid. Completed operations, additional insured, and whether you have employees are the questions that decide if that cert is real.
What we need to know before we promise a certificate
Farmers artisan and contractor products are the first stop when the class fits. Residential remodel is not roofing. A handyman who never touches structure is not a plumber with hot work. Tell us the trade in plain English. If you hold an Arizona ROC license, say the classification. If you do not, say that too — we still need the operations description.
Same-day certificates happen when the policy already exists and the wording is on the form. They do not happen when you bind a minimum GL at 4:40 and then forward a five-page insurance exhibit. Send the sample cert or the contract with the quote. We will tell you what we can grant: additional insured, completed operations, waiver of subrogation, primary/noncontributory. Some of that is an endorsement. Some of it the carrier will not give.
- Trade and percentage of work (new construction vs service vs remodel)
- Residential vs commercial vs HOA jobs
- Subcontractor spend and whether you collect their certificates
- Payroll and 1099s — see workers compensation; Arizona generally requires it from employee number one
- Tools, rented equipment, and whether a van or truck is in the business name — commercial auto is the vehicle page
- Prior jobs that produced claims or a lapse
Completed ops and the job you already left
General liability for a contractor is not only “someone fell on the site today.” Completed operations is the claim that shows up after you are gone. GCs in Scottsdale and along the 101 will ask for it by name. If the form does not include it the way the contract wants, the certificate should not pretend that it does.
The broader BOP, GL, and placement order is in the commercial insurance guide. This page is the contractor occupancy: ROC, additional insured, completed ops, and a cert you can hand over without lying.
How we place it
We are a Farmers agency. Colby Neal is a third-generation Farmers agent. Farmers artisan/contractor first. If Farmers cannot write the class, the losses, or the height/roofing/hot-work facts, we shop other markets through Kraft Lake — Liberty Mutual, Travelers, Progressive, National General, Mercury, Branch, Stillwater, Foremost, Steadily, Pacific Specialty, and similar, depending on the line. We would rather say an honest no than force a bad fit.
Amanda manages the office. Dani and Jordan handle a lot of the certificate traffic. English, Portuguese, and Spanish. Licensed AZ, CA, OK, TX. 10601 N Hayden Rd, Ste 112, Scottsdale, AZ 85260.
What to have on the call
- Legal name, entity, FEIN, ROC number if any
- Operations in one paragraph
- Revenue, payroll, sub cost
- The insurance exhibit or sample certificate
- Current policy or a lapse — tell the truth
- Effective date and whether people are already on a roof
Call or text (480) 860-0860. Tell us the trade and when the cert is due. Read the commercial guide for the rest of the business file and the WC guide if you have labor.
FAQ
Can you issue a same-day additional-insured certificate?
If the policy is in force and the endorsement exists, often yes. If we are quoting from scratch, send the wording now. Call (480) 860-0860.
Does Farmers write contractors?
We start there on artisan and contractor classes they will take. Kraft Lake if they will not.
Do 1099s remove the workers comp question?
No. Classification is a fact pattern. Collect certificates from true subs.
Height, roofing, and hot work are how artisan programs stop. If that is your trade, say it so we can go to Kraft Lake instead of forcing a Farmers class that will not bind. Tools floaters and rented equipment are easy to forget until a compressor walks off a site. Mention them. Call (480) 860-0860 with the ROC class and the cert due date.