General liability
Match operations, completed work and subcontractor exposure to the correct classification and limits.
Contractors & trades
Insurance that follows the job—from the truck to the tools to the contract.
Contractor submissions get stronger when the agency understands the exact trade, subcontracting, payroll, receipts, project type, territory and contract requirements before approaching markets.
Coverage in context
Build the policy around the operation—not a generic label.
Availability, eligibility, forms, endorsements, limits and pricing vary by carrier and risk. NIS reviews the operational facts first so the submission can be routed to appropriate markets.
Commercial auto
Review vehicle ownership, radius, driver controls, trailers and business use.
Tools and equipment
Protect mobile property at jobsites, in transit and in storage.
Workers’ compensation
Payroll by class and employee duties matter. Owner/executive treatment varies by law and policy.
Umbrella / excess
Higher limits may support larger contracts and severity exposures.
Before quoting
Information that helps underwriting move faster
- Exact trade(s) and percentage of work
- Annual receipts and payroll by class
- Employee count and subcontractor cost
- Residential vs commercial work
- New construction vs service/repair
- Largest project and typical contract size
- Vehicles, trailers, tools and equipment
- Certificates/endorsement requirements and deadlines
Account rounding
Related coverages to review together
Questions to ask
Common questions
Can NIS issue any certificate wording a contractor needs?
No. A certificate must accurately reflect the policy. Additional-insured status, waiver of subrogation, primary/noncontributory wording and notice rights require support from the policy or endorsement.
Why do subcontractors matter?
Their work, insurance, contracts and classification can materially affect liability and workers’ compensation underwriting.
Business intake
Start an Arizona business insurance review
Tell us how the business operates once. We will use that information to search available markets and validate coverage options. Please allow approximately 24–48 hours for most reviews; complex commercial risks may require additional underwriting time. Detailed underwriting and sensitive documents move to secure agency/carrier workflows after this first step.