How much does Excavation Contractor insurance cost in Phoenix, Arizona?

The estimated annual cost for a Excavation Contractor in Phoenix with one employee is between $1858 and $2733. The state base rate is $900.

What insurance is required for a Excavation Contractor in Arizona?

In Arizona, businesses are subject to a 5.6% insurance tax. Excavation Contractors typically need General Liability due to a risk factor of 2.3.

Excavation Contractor Insurance Cost in Phoenix, Arizona (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$1858-$2733

Estimated Annual Premium

Monthly Average Breakdown

$182 / mo

Includes General Liability

Industry Risk Profile

Excavators risk hitting underground utility lines (gas, water, fiber optics), making liability coverage extremely critical and expensive.

Risk Factor2.3x

Location Factors

State Base Rate$900
Phoenix Multiplier1x
State Tax Rate5.6%

Local Compliance FAQ

Is General Liability required in Phoenix?

While Arizona law may not mandate it for all businesses, Excavation Contractors often need proof of insurance to bid on local commercial projects in Phoenix.

Why is the rate different here?

Your premium reflects Arizona's specific base rate of $900 and a local city multiplier of 1x.

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