You just got your AZ ROC or NV NSCB license. This is the short list of what usually has to be in place before the first job — bonding, workers' comp, coverage, and the paperwork that lapses quietly.
Written for contractors who don't already have someone handling this for them. Plain language, no forms to fill out.
1. Confirm your surety bond is filed and active
ROC and NSCB set your specific bond amount based on classification and monetary limit — check your own license record for the exact figure rather than assuming a standard number.
2. Sort out workers' compensation
Get coverage if you have employees or plan to hire. If you're solo, file the no-employee affidavit instead — in Arizona that's ROC Form 36-0302.
3. Line up general liability
It isn't a blanket state-law requirement for ROC licensure itself, but general contractors, property owners, and most people who contract with you will require it. Residential work commonly sees $500k+ limits and commercial work often higher — the real number depends on who you're contracting with.
4. Cover any vehicle used for business
Personal auto policies commonly exclude business use, so a work truck on a personal policy can leave a gap.
5. Keep your entity, EIN, and city business license current
These lapse on their own schedules, independent of your ROC or NSCB license.
6. Know your renewal cycle
Mark your ROC or NSCB renewal date now so it isn't a surprise — the Compliance Calendar walks through how each state times it.
This is general information, not legal or insurance advice. Confirm the specifics for your license with ROC, NSCB, or a licensed agent.
Tell us about your trucks and we'll take it from there.
Get a commercial auto quoteWho is the Welcome Kit for?
Contractors who just got their AZ ROC or NV NSCB license and are figuring out what's required before they can legally operate.
What does it cover?
Bonding requirements, minimum insurance coverage, and ROC/NSCB filing requirements, in plain language.