Art - is commercial insurance not required in AZ? And why does his employer either not provide it or not require him to have it if he's a contractor? It seems to me these are the ways to get him to have it.

Also, and I say this with concern not criticism, but you often worry about something happening - always something possible but on the unlikely side going by the odds - and your mind instantly jumps to the fear of losing everything. I understand that you just bought a house and you were hit hard by the recession, and that at least a little worry is better than your husband's cavalier attitude. But I am concerned that you worry too much, and your mind goes to the worst possible outcome and dwells on it, and that doesn't seem healthy either. Maybe something your therapist could help with?

Eta: also this seems less like a money issue and more a control/stubbornness issue for your husband to me.