Running a service-based business means juggling tools, schedules, and client expectations—all while managing risks. Prosperity North Advisors helps independent contractors across Arizona secure affordable, comprehensive protection so you can focus on doing great work.
Every type of contractor faces different risks, whether you’re handling electrical work, plumbing repairs, or landscaping projects. That’s why we build custom plans that balance protection with cost efficiency.
Covers third-party property damage, accidents, and injuries that occur during a job.
Protects you from claims of errors, omissions, or negligence in your services.
Safeguards your tools, materials, and office equipment from theft, fire, or damage.
Keeps your business running if essential tools or machinery are damaged or stolen.
Adds an extra layer of protection beyond your standard policy limits.
Covers vehicles used for business purposes, from service vans to work trucks.
Protects your business data and customer information from cyber threats.
Provides coverage for medical costs and lost wages if an employee is injured on the job.
Helps you attract and retain quality team members through customized benefits packages.
We deliver and monitor your state-required Proof of Financial Security paperwork and issue Certificates of Insurance the same day as requested.
Includes ROC bonds and other requested bonds required for licensing or project contracts.
We work with independent trades and small service businesses that rely on reliability, skill, and trust to succeed. We are happy to partner with a wide range of contractors.
Prosperity North Advisors understands your business because we’ve been there. Our team has firsthand experience working in the trades, and we know how to build independent contractor insurance policies that actually work in the field.
As proud members of the Gilbert Chamber of Commerce, BNI, and the Better Business Bureau (A+ Rating), Prosperity North Advisors stands for trust, integrity, and service. Our founder’s background as a licensed pest control technician gives us real-world insight into the challenges service-based contractors face daily. We’ve provided coverage for many Arizona contractors, combining practical experience with a client-first approach that focuses on both protection and profitability.
Our clients value honesty, speed, and results, and they’re not shy about saying so. Read real stories from businesses and families who count on us to protect their future.
We’re based in Gilbert, Arizona, and provide independent contractor insurance to companies across the state, including:
Your work keeps Arizona running. Make sure your insurance keeps you running, too. Request your free consultation today and see how Prosperity North Advisors helps contractors protect what matters most.
Independent contractors often have questions about which coverages they need, how much it costs, and what’s required by law. Here are some of the most common questions we hear from Arizona contractors:
Most contractors need general liability, commercial auto, and workers compensation coverage. Depending on your trade, professional liability or equipment protection may also be essential.
While not all trades require it by law, many clients and general contractors will not hire you without proof of general liability coverage. It’s a smart investment to protect your reputation and meet contractual requirements.
Yes. General liability insurance can cover accidental damage caused during your work, such as a broken fixture or water leak.
General liability covers physical damage or injury, while professional liability covers mistakes in your work, advice, or services. Many contractors carry both for full protection.
If subcontractors are truly independent, you may not be required to provide it, but you’ll need proof of their own coverage. Otherwise, you could be held liable for injuries on your job site.
Yes. Arizona law mandates workers’ compensation coverage for businesses with employees to protect against workplace injuries.
Yes. Prosperity North can bundle multiple services, such as plumbing, HVAC, and electrical, into one customized plan to simplify management and reduce costs.
An independent broker like Prosperity North Advisors works for you, not the insurance company. That means more choices, better rates, and tailored coverage that grows with your business.
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