What is a Certificate of Insurance (COI)?

A Certificate of Insurance (COI) is a document issued by an insurance company that verifies a vendor or subcontractor has active insurance coverage. General contractors and property managers require COIs to confirm vendors carry adequate general liability, workers compensation, and other required policies before allowing them on a job site.

How does VendorShield automate COI tracking?

VendorShield uses AI to analyze uploaded COI PDFs instantly. It extracts policy details including coverage types, limits, effective dates, and insurer information. The system automatically scores each COI for risk, flags coverage gaps against your requirements, and sends alerts before policies expire.

Can vendors upload their own COIs?

Yes. VendorShield provides each vendor with a self-serve portal link. Vendors can upload their COIs directly without needing an account. This eliminates the back-and-forth email chains that typically slow down compliance.

How much does VendorShield cost?

VendorShield starts at $499/month for the Starter plan (up to 25 vendors). The Pro plan is $799/month with unlimited vendors and custom compliance rules. Enterprise pricing is custom with multi-organization support, SSO, and dedicated support. All plans include a 14-day free trial.

What types of businesses use VendorShield?

VendorShield is built for general contractors, construction firms, property management companies, and any business that needs to track vendor insurance compliance. If you manage subcontractors or third-party vendors who must carry insurance, VendorShield automates the entire process.

All states

AZStatewide GC license required

Arizona Contractor License & Insurance Requirements

Arizona requires an ROC license for any contracting work where the price (labor + materials + tax) exceeds $1,000 OR a building permit is required, regardless of price. Classifications include A (general engineering), B (general residential), B-2 (commercial), and dozens of K-class trade licenses.

License threshold

$1,000 or any work requiring a building permit (ARS §32-1121)

WC trigger

All employers, even one employee (ARS §23-961)

Bond

Contractor License Bond: $5,000–$50,000 depending on classification + estimated annual volume.

Authority

Verify license

License authority: Arizona Registrar of Contractors (ROC) — license verification portal.

Workers' comp posture

Arizona Revised Statutes §23-961 require WC for any employer with one or more employees. Sole proprietors and partners may elect coverage. Independent-contractor classification is governed by ARS §23-902(D) — a written 1099 acknowledgment alone is not dispositive.

Common public-bid insurance minimums

These are limits commonly required on AZ public-works prequalification. They are NOT a state-mandated minimum — verify against your specific procurement spec or contract.

General Liability

$1M per occurrence / $2M aggregate (typical ADOT + state-university spec)

Workers' Comp

Statutory + $1M Employer's Liability

Auto Liability

$1M combined single limit

Arizona state-specific quirks

Arizona's $1,000 threshold is one of the lowest in the country — small handyman jobs frequently trigger ROC licensure.
Residential ROC license requires Recovery Fund participation (consumer-protection pool).
Independent-contractor analysis under ARS §23-902(D) can pierce 1099 status — written acknowledgment alone isn't enough to escape WC.
Out-of-state contractors must register an Arizona statutory agent before bidding.
ROC Citation history is public on the contractor-search portal — flag any open citations.

3 pitfalls every AZ GC misses

Sub claims '$1,000 jobs only'

Even under-$1,000 work requiring a building permit triggers ROC licensure. Don't accept the $1,000 carve-out without verifying the permit angle.

Independent-contractor mis-classification

ARS §23-902(D) lists factors (control, integration, schedule). A signed independent-contractor agreement does not by itself defeat WC liability. Capture the WC certificate even from 1099 subs working for your sub.

Open ROC citations

ROC Citation history is public — open citations and judgments don't immediately suspend a license but they're a strong negative signal at intake.

Automate Arizona sub vetting

VendorShield checks every COI for Arizona compliance — license currency against Arizona Registrar of Contractors (ROC), WC posture, public-bid limit minimums, and 3 state-specific pitfalls flagged at intake. No more manual statute lookups.

Start free 14-day trial

Frequently asked questions

What's the project value threshold for needing an Arizona ROC license?

$1,000 in price (labor + materials + tax) per project, OR any work that requires a building permit regardless of dollar amount, per ARS §32-1121.

Does Arizona require workers' comp for one employee?

Yes. ARS §23-961 applies WC to any employer with one or more employees. Sole proprietors and partners may elect coverage but must file the election.

How do I verify an Arizona contractor license?

Use the ROC Contractor Search at roc.az.gov/contractor-search. Confirm classification, status (Active/Suspended/Cancelled), bond, Recovery Fund participation, and citation history.

What is the Arizona Recovery Fund?

A consumer-protection pool funded by residential ROC licensees that pays homeowners for unfinished or defective work. Verify Recovery Fund participation for residential subs at intake.

Can a sub avoid Arizona WC by 1099-ing all workers?

Not reliably. ARS §23-902(D) applies a multi-factor test that looks at actual control, integration, and economic dependence — a signed 1099 agreement doesn't by itself defeat WC liability.

Other states

CACalifornia TXTexas FLFlorida NYNew York GAGeorgia ILIllinois

Reference data current as of 2026-06-04. This page is informational and is not legal advice. Always verify with the linked state authority before relying on a number for procurement, prequalification, or legal use.