Arizonacontractor insurance & bonding requirements
Updated April 2026 · Source: AZ ROC Residential Contractor License
Minimum requirements
- General liability
- $1,000,000
- Auto liability
- $500,000
- Surety bond
- $15,000
- Workers' comp
- Required for crews
Licensed general contractors in Arizonacarry commercial insurance so that if a crew member gets injured on-site, a homeowner's appliance is damaged during demo, or a neighboring property suffers an impact from construction, the contractor's policy (not the homeowner's) pays the claim. AskBaily does not match homeowners to contractors below these minimums.
Bond varies $4,250–$15,000 by license class; we list residential-general ceiling.
Common questions
What insurance does a Arizona general contractor need?
A Arizona general contractor needs at minimum $1,000,000 general liability coverage plus $500,000 auto liability. Workers' compensation insurance is required for crews. Per AZ ROC Residential Contractor License.
How much is the surety bond for Arizona contractors?
Arizona requires a minimum $15,000 surety bond at the license level. Some project-size tiers or local authorities require additional project-specific bonds. See AZ ROC Residential Contractor License for the current schedule.
Who is the licensing authority in Arizona?
AZ ROC Residential Contractor License is the authority for Arizona contractor oversight. Public license lookup is available at https://roc.az.gov/.
How does AskBaily verify contractors in Arizona?
AskBaily runs automated verification against AZ ROC Residential Contractor License before a contractor is matched to a homeowner project. The pro's license number is validated live at signup.
What happens if a contractor doesn't carry the required insurance?
Underinsured contractors are removed from the AskBaily match pool immediately. A homeowner who hires an unlicensed or underinsured contractor in Arizona can lose the right to mechanic's lien protection, may be held liable for on-site injuries, and forfeits protection under AZ ROC Residential Contractor License. That's why AskBaily's policy is to match only verified pros.
Nearby jurisdictions
AskBaily cities in Arizona
Homeowners in these cities can chat with Baily today; matched pros must meet the requirements above.
Ready to join AskBaily as a Arizona general contractor?
Start your application →