Get a Quote

Arizona Workers' Compensation Insurance

Learn everything you need to know about worker's compensation insurance in Arizona.

Need coverage now? Low rates & same-day quotes available. Select your industry to get started.

Get My Quote
AZ workers compensation
clock-regular

Lightning Fast Quotes

We’re available when you are – online and on your schedule. In less than 5 minutes, you could be on your way to a work comp quote.

list-ol-solid

Easy Process

Our proprietary online quoting tool makes it easy. Just answer a few simple questions about your business.

piggy-bank-solid

Affordable Rates

As an independent agency, we can shop around our network of carriers, and deliver the best quote to you.

check-circle-regular

Top Insurance Carriers

Every policy backed by leading insurance carriers known for their financial strength and customer service. All our carriers have earned a rating of A or higher by A.M. Best.

award-solid

Trusted by Thousands

Since 2012, WorkCompOne has helped thousands of small businesses get the coverage they need to stay in compliance and protect their employees.

star-regular

Made for You

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.

Arizona Workers' Compensation Insurance Requirements

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:

  • Domestic workers do not need to be covered.
  • Sole proprietors do not need coverage. However, any employees working for a sole proprietor must be covered.
  • Independent contractors do not need to be covered, but in the event of a claim, the state courts decide on a case-by-case basis employee vs. contractor status. Here are the common law guidelines.
  • Employees may voluntarily reject workers’ compensation insurance by providing a written notice to the employer. The employer must file this with the workers’ compensation insurance carrier.

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 Workers' Compensation Rates

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.

You Might Also Like: How Much Does Workers' Compensation Cost?

Arizona Work Comp Resources

How to Buy Small Business Workers’ Compensation Insurance

mouse-pointer-solid

1. Request Coverage

We've made it easy. Answer a few simple questions about your business, employees and payroll. 

file-regular

2. Review Your Quote 

Receive an online quote from one of our top-rated carriers. all rated A or higher by A.M. Best.

shopping-cart-solid

3. Purchase Your Policy

Some policies can be purchased online that same day — for near-instant coverage. 

To get workers’ comp coverage:

  1. Add up your payroll by class code, or type of work performed.
  2. Find a licensed commercial insurance agency or carrier.
  3. Contact them to request a quote. Have your payroll information, EIN number and any existing coverage details in front of you.

How to Get a Workers' Compensation Quote: The Step-by-Step Beginner’s Guide

Arizona Workers' Compensation Insurance Companies

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.

partner-amtrust2-1
partner-cna2
partner-markel-gray
partner-hartford-gray
pie-logo-1-gray2
partner-travelers-gray

Get a Quote Today

Save Up to 20% on Your Work Comp Policy!

Get a Quote

Related Resources

workers compensation compliance
Which Employees Legally Need to be Covered?

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.

Learn More

small business workers compensation insurance
Small Business Owners: How to Get Insurance in AZ

Arizona employers are legally required to provide workers’ compensation insurance. Learn more about AZ workers’ comp, how to purchase coverage, and more.

Learn More

work comp cost calculator
Workers' Compensation Insurance Cost Calculator

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.

Learn More

More Small Business Advice