Coverage That Protects You on the Job and Off
General contractors, electricians, plumbers, HVAC technicians, carpenters, and other skilled trades professionals are the backbone of Arizona’s construction and home services industries. The work is physically demanding, often unpredictable, and essential, but when it comes to health insurance, many tradespeople are left figuring things out on their own.
At PHX Insurance Advisors, we help contractors and skilled trades professionals across Arizona find health insurance that provides strong protection while staying affordable on a contractor’s budget.
The trades are among the most physically demanding industries in the workforce. Injuries, exposure to hazardous materials, and the wear and tear of manual labor are everyday realities. Yet many contractors and tradespeople operate without adequate health coverage, or without any coverage at all.
The reasons are familiar:
The problem is that going without health insurance, or having inadequate coverage, can turn a minor injury into a major financial setback. One ER visit, one broken bone, one surgery can cost tens of thousands of dollars without proper coverage.
We help contractors and tradespeople compare multiple types of coverage based on their work, income, and family needs:
For contractors working independently, individual health insurance provides flexibility and comprehensive coverage. We compare plans across carriers to find options that balance premium costs with out-of-pocket protection.
PPO plans allow you to see specialists without referrals and access providers outside of your plan’s network. For contractors who work across different regions or want to choose their own doctors, PPO plans offer the most freedom.
Contractors who are generally healthy and want to keep monthly costs low may benefit from high-deductible health plans paired with a Health Savings Account. HSAs allow you to save pre-tax dollars for medical expenses and roll unused funds over year to year.
Given the physical nature of construction and trades work, supplemental accident insurance is one of the most valuable additions to a health plan. Accident coverage pays out fixed benefits for injuries, regardless of whether they happen on the job, helping cover deductibles, copays, and lost income during recovery.
Short-term disability and income protection plans replace a portion of your income if illness or injury keeps you from working. For contractors who don’t get paid when they don’t work, this coverage can be the difference between recovering comfortably and falling behind on bills.
Critical illness plans provide a lump-sum payment if you’re diagnosed with a covered condition such as cancer, heart attack, or stroke. This payment can be used for any purpose: medical bills, mortgage payments, or everyday expenses while you’re unable to work.
When choosing health insurance, contractors and trades professionals should think about:
We walk through these questions with you and present options that match your specific situation, not a one-size-fits-all recommendation.
Contractors don’t have time to sit on the phone comparing plans or reading through 50-page policy documents. Our process is fast, straightforward, and built for professionals who need answers and solutions, not more paperwork.
We do the comparison work, explain your options in plain language, and help you get covered quickly so you can get back to the job site with peace of mind.
No cost, no obligation. Our advisors will compare plans from top carriers and find the best fit for you.
