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Since 2012, WorkCompOne has helped thousands of small businesses get the coverage they need to stay in compliance and protect their employees.
It's work comp, simplified for small business. Our online platform allows top national carriers to serve all businesses – even those with less than 10 employees.
Workers' compensation is a "no fault" system; injured workers receive medical and compensation benefits no matter who causes the job-related accident.
Under Arizona law, it is mandatory for employers to carry workers’ compensation insurance for their employees. Employers without workers’ comp insurance may be guilty of a Class 6 felony.
Workers’ comp is mandatory regardless of the number of workers, whether they are part-time, full-time, minors, illegal immigration status or family members.
The few exceptions to this include:
Unlike some states, Arizona law does not make exceptions for corporate officers, directors and members of an LLC. They must be covered if they are considered employees.
Employers must comply with the state where employees work, regardless of where the business was founded or operates. If operating in multiple states, an All-States Endorsement might be needed to provide full coverage for employees.
Arizona has relatively low workers’ comp insurance rates, compared to the national average. But like many states across the country, Arizona is seeking a way to address opioid abuse. In early 2018, the governor supported legislation to protect injured workers from being over-prescribed opioids. These measures are also aimed at controlling escalating medical costs in the state workers’ compensation system.
Workers’ comp premium factors in the nature of your business (called your assigned class code), payroll of employees being covered and past coverage and claims. NCCI collects state and national data on workplace injuries, and recommends rates by class code. The Arizona Department of Insurance regulates and approves rates for Arizona insurance carriers, based on NCCI recommendations.
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To get workers’ comp coverage:
Arizona has a private market, which allows small businesses to buy workers' compensation from any insurance carrier or agency that is licensed to write in that state.
Arizona also maintains a state fund, located in Phoenix, that competes with the private workers' comp market. If you’re still having trouble finding coverage, you can contact NCCI, which will place you with a carrier through the state’s assigned risk pool.
Workers’ compensation laws are based on number of employees. We explain who needs to be on your policy so you can stay in compliance and avoid hefty fines.
Arizona employers are legally required to provide workers’ compensation insurance. Learn more about AZ workers’ comp, how to purchase coverage, and more.
How much for a small business policy? Read on for a step-by-step explanation, along with other factors at play in your final workers’ compensation quote.