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Arizona Workers' Compensation Insurance

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

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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.

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Arizona Work Comp Resources

How to Buy Small Business Workers’ Compensation Insurance


1. Request Coverage

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


2. Review Your Quote 

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


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.


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