Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
One local agent for your trucks, liability, tools and crew.
Contractors insurance in Peoria, AZ means four policies, not one: liability, the truck, the tools and the crew. One agent, and a certificate that clears the general contractor's requirements the first time it is submitted.
Get a commercial quote
Tell us about the business. We compare several carriers and call you back with options.
No robo-dialers and no spam calls. A local agent follows up personally. Sending this does not bind coverage.
5.0 on Google and Facebook
A growing list of carriers
SIAA member agency
A local agent who picks up
One agent, the whole package
Most businesses need more than one policy. We quote them together, so nothing falls between two carriers and you have one person to call.
Commercial auto
Work trucks, vans, pickups and company vehicles.
General liability
Claims that your work caused injury or damage.
Workers comp
Your crew, if someone is hurt on the job.
Business owners policy
Liability and property bundled for a small business.
Businesses we work with
How it works
1
Tell us about your business: the work, the vehicles and the crew.2
We compare several carriers for the whole package: auto, liability and workers comp.3
A real person from our office calls you back with options. No robo-dialers.Start here
Every trade business, from a one-truck handyman to a crew of twelve, is carrying the same four exposures. What changes between trades is which one fires and how hard: water for a plumber, fire for an electrician, heat and heights for HVAC.
General liability is the one everybody asks to see, and for a contractor the important half of it is products and completed operations, because the claim usually surfaces after you have left the job. Commercial auto covers the truck, since a personal auto policy excludes business use. Workers compensation covers the crew, and Arizona requires it from the first helper. Tools and equipment covers what is in the truck, which neither of the other two policies reaches.
If you subcontract, collect a current certificate from every sub before they start. Under Arizona Revised Statutes 23-902 a supervised subcontractor and their crew can be treated as your employees, and at your policy audit an uninsured sub's payments can be charged to you as payroll.
Contractors insurance in Arizona covers every trade the same four ways. Whether you need contractor liability insurance in Arizona for a single job, contractors general liability insurance as a standing policy, tool and equipment insurance for what lives in the van, or handyman insurance in Arizona because the work does not fit one trade, the conversation starts in the same place.
Bring your ROC license number and the contract. The insurance requirements page tells us exactly what to quote to, which beats guessing at a round number.
At a glance
The contractor file
General liability
Including products and completed operations, with a real aggregate.
Commercial auto
Every vehicle used for the business, plus hired and non-owned.
Workers compensation
From your first employee. Class codes decide the premium.
Tools and equipment
Inland marine. Covers theft from the truck and the yard.
Certificates
Additional insured and waiver wording change the policy, not just the form.
By trade
Three trade pages with the specific exposure written into each policy, plus everything else on a phone call.
The four policies
Four names, four jobs. The gaps between them are where contractor claims go wrong.
602-480-6453Coverage
Declarations
General liability
Bodily injury and property damage to other people, including damage caused by work you already completed.
It does not cover your tools, your truck or your employees.
Commercial auto
The vehicles and your liability on the road, plus hired and non-owned auto for employees driving their own cars on company business.
It does not cover the tools inside.
Workers compensation
Medical costs and lost wages for an injured employee, plus employer's liability.
Required in Arizona from your first employee, and rated on payroll by class code.
Tools and equipment
Inland marine coverage that follows the tools: in the truck, on the job, in the yard, and when they are stolen overnight.
Neither auto nor liability covers them.
Illustration of how a declarations page is laid out. Not a real policy.
The picture
This is the whole contractor program in one drawing. Four labels, four separate policies, and no two of them covering the same thing.
The gap that costs the most is tools. A van broken into overnight takes press tools, cameras, testers or gauges, and the owner discovers that the commercial auto policy covers the van and nothing that was in it.
The gap that costs the most unexpectedly is workers compensation at audit. If a subcontractor cannot produce evidence of their own coverage, their payments can be treated as your payroll and charged accordingly. That is a bill arriving twelve months after the decision that caused it.
Four policies, one business, no overlap. The claims that hurt live in the gaps between them.
No pressure, no runaround
1
Call or send the 60-second form
Reach out by phone or fill out the short quote form with a few basic details.
2
We compare carrier rates for you
We run your details across the top-rated carriers that write in your area and line up the coverage that fits your situation.
3
You pick the coverage, we handle the paperwork
Choose the option that works best for you and we take care of the paperwork from there.
Why Shield of Faith
Some carriers love contractors and some would rather not hear from you. Because we are an independent agency, we are not stuck with either kind: we take your trade to the carriers that actually want it, and the commercial side has even more markets than personal lines do.
Trade businesses usually end up with the truck at one agency, the liability at another and nothing at all on the tools. When a claim crosses two of those, the two carriers spend a month deciding whose it is while the work stops.
What we do with a contractor account
Reads the contracts and quotes to the limits they actually require
Checks that products and completed operations is included and that the aggregate is realistic
Puts every vehicle on the commercial policy and adds hired and non-owned
Sets a tools limit against what is really in the truck and the yard
Checks workers comp class codes against the work the crew actually performs
Issues the certificates from the same file, with the wording the general contractor asked for
Questions people actually ask
Do I need workers comp with one helper?
Yes. Arizona Revised Statutes 23-902 makes employers subject to the workers compensation chapter once they employ workers regularly employed in the business. One helper, part time or seasonal, triggers it.
Does my personal auto policy cover my work truck?
Usually not. Personal auto policies contain a business use exclusion applied when the claim is filed. A vehicle used in your trade belongs on a commercial auto policy, and that is also what a general contractor's certificate request means.
How fast can I get a certificate of insurance?
Send us the certificate request with the exact wording required and we will get it issued. We do not post a turnaround time on this site, because a promise we cannot back up is worse than no promise at all.
What happens if my subcontractor has no workers comp?
Their payments can be treated as your payroll at your policy audit, and under ARS 23-902 a supervised sub's crew can be treated as your employees. Collect a current certificate from every subcontractor before they start work.
Are my tools covered if the van is broken into?
Only under a tools and equipment inland marine policy. Neither commercial auto nor general liability covers your own tools. This is the most common gap we find on a contractor account.
Do you write trades other than plumbing, electrical and HVAC?
Yes. Roofing, concrete, landscaping, handyman and general contracting all get quoted the same way. The three trade pages exist because those are the ones people search for; the coverage conversation is the same. Call and describe the work you do.
Free and no obligation
At Shield of Faith Insurance, we make it easy to compare options for your business. Commercial auto, general liability, workers comp and a business owners policy can all sit with one local agent in Peoria, AZ.
Contact our Peoria office today to request your free, no-obligation insurance quote and discover how we can help you protect what matters most.
What happens next
1
Tell us about your business: the work, the vehicles and the crew.2
We compare several carriers for the whole package: auto, liability and workers comp.3
A real person from our office calls you back with options. No robo-dialers.
Service area
We proudly serve Peoria and the surrounding communities, helping Arizona residents secure coverage that fits their lifestyles and budgets.
Peoria, AZ 85383
Office visits by appointment
Call or text anytime during the business week. Evenings and Saturdays by appointment.
In their words
5.0 stars across Google and Facebook
“
Great experience with this insurance agent! He helped me find a good price for my car insurance and made the whole process easy and stress-free. Very helpful, honest, and professional. Highly recommend!
RY
Ramez Y.
I had a great experience with Shield of Faith Insurance! Mena took the time to understand our family's needs and explained each part of the coverage clearly. He helped us set up a home insurance policy with stronger protection and bundled it with our auto insurance for a package at a lower cost. What stood out most was his honesty and patience, he focused only on what truly benefited us, making the whole process simple and stress-free. We now have better coverage and peace of mind thanks to Mena. Highly recommend!
Hanna K. · Google and Facebook
Shield of Faith Insurance made getting renters insurance simple and affordable, after talking to a few other brokers, they were the ones who helped me get the best coverage with no stress!
Ahmad F. · Google and Facebook
I had a really good experience working with Shield of Faith Insurance. I needed new rental insurance as I was moving apartments. I got sent details on the policy next day and all I had to do was sign the forms. I ended up with a really good deal and saved about 20% compared to my old policy. I reached out to him again about auto insurance as well. I have had Geico for over 5 years and my premiums had only gotten more expensive. He somehow ended up getting me more coverage for half the price I was paying before. The entire process was easy and Mena was very responsive to email and text. Would highly encourage you to take a look and see what type of deals he can make for your insurance policies.
David G. · Google
Every review above is quoted in full from Google or Facebook. Read all of them.
Text or email us the insurance requirements page and we will tell you, in plain English, whether your current limits clear it.
