Business insurance • Arizona electrical contractors
Arizona Electrical Contractor Insurance: ROC Licenses, Bonds, and Coverage
Arizona licenses electrical contracting businesses, not individual electricians, through the Registrar of Contractors (ROC) as R-11 (residential), C-11 (commercial), or CR-11 (both). Each license requires a bond that scales with annual volume. The ROC sets no general liability minimum, but businesses with one or more employees must carry workers’ compensation.
This guide covers Arizona electrical licenses, bonds, required coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Arizona, and a licensed agent can compare quotes for your electrical business.
Request an Arizona electrical insurance quote
Tell us about your electrical business and license class, and a licensed agent will follow up. Submitting the form does not bind coverage.
If the form does not load, call 888-387-3687, Monday through Friday, 9:00 to 5:00, or email info@blakeinsurancegroup.com.
Prefer to quote online yourself?
Start a business insurance quote online with one of our partners, without waiting for a call back.
Get a quote from ERGO NEXT →General liability, workers’ compensation, business owner’s policies, professional liability, and commercial auto.
Start an application with First Connect →Quotes from multiple insurance carriers through our First Connect portal.
Sponsored. Each link opens the partner’s website in a new tab, where its terms and privacy policy apply. Blake Insurance Group may be compensated if you buy.
Arizona electrical licenses and bonds
| Class | Covers |
|---|---|
| R-11 | Residential electrical |
| C-11 | Commercial electrical |
| CR-11 | Residential and commercial electrical |
Each class needs four years of electrical experience and a license bond that scales with annual Arizona volume. See our Arizona contractor license bond guide for amounts. Source: Contractor License Requirements (Arizona electrician guide).
Required and expected coverage
The ROC sets no state general liability minimum, but owners and general contractors often require it by contract. Arizona requires workers’ compensation for any business with one or more employees (Contractor License Requirements (Arizona electrician guide)).
- General liability: third-party injuries and property damage, such as a wiring fault that starts a fire in a customer’s home.
- Business owner’s policy: general liability bundled with property coverage for your shop, wire, and stock.
- Workers’ compensation: medical bills and lost wages if an employee is hurt, including shocks and falls.
- Commercial auto: service vans and bucket trucks that carry crews and equipment.
- Tools and equipment (inland marine): meters, benders, lifts, and power tools on job sites or in transit.
- Commercial umbrella: extra limits on top of general liability and auto, often required on commercial jobs.
What Arizona electricians pay
| Policy | Monthly | Annual |
|---|---|---|
| General liability | $61 | $732 |
| Business owner’s policy | $100 | $1,198 |
| Workers’ compensation | $140 | $1,679 |
| Commercial auto | $275 | $3,304 |
| Tools and equipment | $42 | $503 |
| Professional liability | $67 | $808 |
| Commercial umbrella | $74 | $886 |
Median costs for electricians who got quotes through Insureon, mostly businesses with fewer than five employees. Your price depends on payroll, the work you do, claims history, and location.
Arizona electrical insurance FAQs
What license do Arizona electrical contractors need?
An ROC license: R-11 for residential, C-11 for commercial, or CR-11 for both.
Does Arizona license individual electricians?
No. The ROC licenses electrical contracting businesses, though some cities have their own rules.
Do Arizona electricians need workers’ comp?
Yes, for any business with one or more employees.
Related guides
Important information
Compensation. The link in the partner quote box near the top of this page is sponsored, and Blake Insurance Group may be paid if you make a purchase. Sponsored placement does not affect the other information on this page.
Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16944666. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state. Mentioning a company on this page does not mean we represent it.
Cost figures. Published averages and ranges are cited from the sources named, as of the dates shown. They are not quotes and may not reflect your price, which depends on the insurer, your state, your payroll, the work you do, and your claims history.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls.
Your next step
Tell us about your Arizona electrical business, and a licensed agent will compare quotes, or start a business insurance quote online with our partners.
