Skip to main content
Skip to explanation
  1. Home
  2. Law Library
  3. A.R.S. § 14-11010
A.R.S. § 14-11010

Personal Liability Limits for Trustees in Arizona

Verified April 4, 2026 • 57th Legislature, 1st Regular Session

A trustee who enters into a contract on behalf of a trust is generally not personally on the hook for that contract, as long as they disclosed their role as trustee. For injuries or environmental issues, the trustee is personally liable only if they were personally at fault.

Title 14, ARIZONA TRUST CODE

azleg.gov

Contracts Signed in a Fiduciary Capacity

Trustees regularly sign contracts on behalf of the trust. They hire contractors, enter leases, open accounts, and manage vendors. Arizona law makes clear that when a trustee signs a contract in their fiduciary capacity and discloses that role, they are not personally responsible for the contract terms.

Except as otherwise provided in the contract, a trustee is not personally liable on a contract properly entered into in the trustee's fiduciary capacity in the course of administering the trust if the trustee in the contract disclosed the fiduciary capacity.

A.R.S. § 14-11010(A)

The key detail is disclosure. If a trustee signs a lease simply as "Jane Smith" without indicating they are acting as trustee, they could be personally bound. Adding the trustee designation to contracts and agreements is a small but important step.

Torts and Environmental Liability

The rules shift when it comes to injuries and property-related obligations. A trustee is personally liable for torts committed during trust administration, or for obligations tied to owning or controlling trust property, only if the trustee is personally at fault.

This includes environmental liability. If trust property has contamination or environmental issues, the trustee is not automatically on the hook simply because they manage the asset. Personal fault is required.

Even when the trustee is not personally liable, claims can still be brought against them in their fiduciary capacity. This means the trust assets themselves may be used to satisfy the claim, even if the trustee's personal assets are protected.

For anyone serving as trustee, this statute underscores a practical point: always sign contracts as trustee, not personally. That single habit provides meaningful protection.

A. Except as otherwise provided in the contract, a trustee is not personally liable on a contract properly entered into in the trustee's fiduciary capacity in the course of administering the trust if the trustee in the contract disclosed the fiduciary capacity. B. A trustee is personally liable for torts committed in the course of administering a trust or for obligations arising from ownership or control of trust property, including liability for violation of environmental law, only if the trustee is personally at fault. C. A claim based on a contract entered into by a trustee in the trustee's fiduciary capacity, on an obligation arising from ownership or control of trust property or on a tort committed in the course of administering a trust may be asserted in a judicial proceeding against the trustee in the trustee's fiduciary capacity, whether or not the trustee is personally liable for the claim.
View on azleg.gov

This page provides general legal information about Arizona statutes and is not legal advice. For guidance on how this law applies to your situation, speak with a qualified attorney.

Related Questions

What does a trustee actually do?

A trustee manages trust assets according to the rules the trust creator set. While you are alive, you are typically both trustor and trustee. After you pass, your successor trustee distributes assets as instructed.

Should I use a bank or a professional fiduciary as my trustee?

Banks require $300K-$5M+ minimums and charge 0.5%-2% annual fees. Professional fiduciaries are licensed by the Arizona Supreme Court, charge $65-$250/hour, handle any estate size, and also serve as healthcare and financial POA.

How do I choose the right trustee for my estate?

Choose a trustee based on competence, not convenience. Avoid naming all children as co-trustees, which creates gridlock. Pick your most capable child as primary and name a backup.

Related Statutes

§ 14-10101The Arizona Trust Code: Short Title and What It Covers
§ 14-10102Which Trusts Are Covered by the Arizona Trust Code
§ 14-10103Key Definitions in the Arizona Trust Code

Related Services

The foundation of your estate plan

Living Trusts

Pass your assets directly to the people you choose without probate, without court involvement, and without the delays and costs that come with both.

Learn more
Get Started Today

Need Help With Your Estate Plan?

Whether you are just getting started or reviewing an existing plan, RJP Estate Planning works hand in hand with experienced estate planning counsel to help you understand your options.

(480) 346-3570
RJP Estate Planning

Protecting Arizona families through comprehensive estate planning since 1995.

Quick Links

  • Services
  • About Us
  • Our Team
  • Resources
  • FAQ
  • Glossary
  • Educational Law Library
  • Events
  • Careers
  • Contact

Our Offices

Scottsdale Office

4110 N. Scottsdale Road Suite 170

Scottsdale, AZ 85251

Tucson Office

5151 E. Broadway Blvd Suite 750

Tucson, AZ 85711

Contact Us

(480) 346-3570care@rjpaz.com

© 2026 RJP Estate Planning. All rights reserved.

Privacy PolicyTerms of Service

The Planning Consultants at RJP Estate Planning provide services in the areas of estate planning, planning with wills and trusts, asset protection, probate avoidance, probate & estate administration, long-term care planning, Medicaid planning, asset protection from Medicaid, veterans benefits, charitable planning, special needs, estate tax planning, and business succession planning. They serve clients and their families throughout Scottsdale, Phoenix, and Sun City, Arizona, and the surrounding cities and towns.

RJP Estate Planning is not a law firm, cannot give legal advice, and does not prepare legal documents. For legal services, clients separately consult with an estate planning attorney or law firm.

RJP-AZ, LLC (RJP Estate Planning) is licensed to offer insurance products and receive commissions for those products. Its representatives who discuss these products with you hold individual licenses.

Securities are offered through CoreCap Investments, LLC, a registered broker-dealer and member FINRA/SIPC. Advisory services are offered through CoreCap Advisors, LLC, a registered investment advisor. RJP Estate Planning and RJP-AZ, LLC are separate and unaffiliated entities and are not affiliated with CoreCap Investments or CoreCap Advisors. Representatives that offer these services hold the required licenses.

Some products or services are provided by trusted companies/service providers. These companies/providers are separate and unaffiliated entities from RJP-AZ, LLC.