What are the mandatory COI insurance limits for a Commercial Janitorial & Disaster Restoration in Arizona?

Standard general contractors and commercial projects in Arizona require $1,000,000 per occurrence, $2,000,000 general aggregate, and $1,000,000 umbrella coverage per Arizona Registrar of Contractors (ROC) guidelines.

Why do general contractors reject ACORD 25 certificates?

The top 3 reasons for certificate rejection are: (1) Missing completed operations additional insured endorsements (CG 20 37), (2) General aggregate limit set below project specifications, and (3) Fatal Action Over or Labor Law 240 exclusion endorsements.

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Commercial Janitorial & Disaster Restoration COI Requirements in Arizona

Verified compliance checklist for subcontractors operating in Arizona under Arizona Registrar of Contractors (ROC).

Statutory Policy Minimums

Coverage Type	Mandatory Specification
General Liability (Each Occurrence)	$1,000,000
General Aggregate Limit	$2,000,000
Umbrella / Excess Liability	$1,000,000
Workers' Compensation	Mandatory for all employees (A.R.S. 23-902)
Regulatory Oversight	Arizona Registrar of Contractors (ROC)

Mandatory High-Risk Endorsements

Subcontractors in Commercial Janitorial & Disaster Restoration are routinely exposed to exclusions that leave General Contractors liable. Verify these endorsements are attached:

🛡️ Lost Key & Lock Replacement Rider🛡️ Janitorial Services Third-Party Dishonesty Bond🛡️ Biohazard / Mold Remediation Liability

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