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Coverage built for contractors, trades and construction businesses.
From general liability and workers’ compensation to commercial auto and tools and equipment coverage, D&E Insurance Group helps Arizona contractors protect their businesses.
D&E Insurance Group helps contractors protect their businesses with coverage designed around the way they actually work.
Whether you’re a general contractor, electrician, plumber, HVAC contractor, landscaper, pool contractor or another specialty trade, your insurance needs go beyond a basic business policy. Job sites, employees, work vehicles, tools and contractual requirements can all create exposures that need to be considered.
As an independent Arizona insurance agency, D&E Insurance Group can help you evaluate those risks and explore coverage options from multiple insurance carriers.
General Liability
Coverage for claims involving bodily injury, property damage and other liability exposures associated with your contracting operations.
Workers’ Compensation
Help protect your employees and your business when work-related injuries occur.
Commercial Auto
Coverage for eligible work trucks, vans, company vehicles and other vehicles used in your business.
Depending on your operation, your insurance program may also include coverage for tools and equipment, commercial property, umbrella liability, professional liability, cyber exposures and bonds. We can also help you review certificate of insurance and additional insured requirements that come with many contracts and job sites.
The goal isn’t simply to buy an insurance policy. It’s to build coverage around the work your company actually performs.
We work with contractors and trades throughout Arizona, from small owner-operated businesses to growing companies with employees, vehicles and multiple job sites.
General Contractors
Home Builders
Remodelers
Carpentry Contractors
Concrete Contractors
Masonry Contractors
HVAC Contractors
Electrical Contractors
Plumbing Contractors
Roofing Contractors
Painting Contractors
Flooring Contractors
Landscaping Contractors
Pool Contractors
Excavation Contractors
Fencing Contractors
Cleaning Contractors
Other Specialty Trades
Don’t see your trade listed? Contact D&E Insurance Group and we’ll help determine what insurance options may be available for your business.
Common questions Arizona contractors ask about business insurance.
What insurance does a contractor need in Arizona?
The coverage a contractor needs depends on the type of work performed, employees, vehicles, equipment, contracts and other exposures. Common coverages include general liability, workers’ compensation, commercial auto, tools and equipment coverage, commercial umbrella and, for some businesses, professional liability or cyber insurance.
Do Arizona contractors need workers’ compensation insurance?
Arizona businesses with employees are generally required to carry workers’ compensation insurance. Coverage requirements can vary depending on how a business is structured and who performs the work, so it is important to review your specific situation.
Does general liability cover my tools and equipment?
General liability insurance generally does not insure your own tools and equipment against risks such as theft or physical damage. Contractors may need inland marine or contractors equipment coverage to help protect tools and equipment that travel between job sites.
Can you help with certificates of insurance and additional insured requirements?
Yes. D&E Insurance Group can help contractors review certificate of insurance requirements, additional insured requests and other insurance provisions commonly found in construction contracts and job-site requirements.
Can D&E Insurance Group insure contractors throughout Arizona?
Yes. D&E Insurance Group is based in Glendale and works with contractors throughout the Phoenix metropolitan area and across Arizona.