If there is one weakness that the American Public shares almost universally it is the fact that when it comes to dealing with professionals we are almost too trusting! A mechanic tells us we need a new Catalytic Converter, we get a new Catalytic Converter; a roofer tells us we need to replace the whole roof, we replace the whole roof; a doctor tells us we need to have our appendix out, we have our appendix out.  And, a contractor tells us not to worry, nothing will happen while our new home is being built, we don’t worry!  However, while it is true we shouldn’t worry, we should make sure that said contractor has proper insurance coverage to protect our investment. That’s why that everyone who is having a new building constructed needs to have a proper understanding about YOUR PHOENIX, ARIZONA, CONTRACTOR AND BUILDER’S RISK INSURANCE.

            “Reality is,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding Insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, shared with just a little bit of irony in his voice, “things can go wrong, and if you don’t have insurance to pay for your loss, it will be your loss!”

            These “things” include, but are not necessarily limited to:

·           Vandalism

·           Theft

·           Wind

·           Hail

·           Lightning

·           Fire

“I would suggest,” Bivona continued, “that you always ask your licensed, bonded contractor to confirm coverage via his Builder’s Risk Insurance Policy and ensure that it covers any loss in these areas.  If he doesn’t have such a policy, I would further suggest that you have them contact an Independent Insurance Agent and have them help assist in locating an appropriate policy.

As you can see, YOUR PHOENIX, ARIZONA, CONTRACTOR AND BUILDER’S RISK INSURANCE certainly is not something you want to ignore if you ARE, in fact, intent on making sure You and Your Family are adequately and completely protected!  As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to verify and improve your Coverage.


To learn more about the BIVONA INSURANCE GROUP, LLC go to


(To learn more about this issue, check out “Builder’s Risk Ins.”)