Required by Arizona law once you have employees. We rate it to your actual payroll and job classifications — not an estimate that blows up at audit time.
When an employee is injured on the job, workers' comp covers:
Doctor visits, hospital stays, surgery, and ongoing treatment for work-related injuries or illnesses — covered regardless of fault.
If an injured employee can't work, workers' comp replaces a portion of their lost income while they recover.
Temporary or permanent disability payments if an employee is partially or fully unable to return to work.
Legal defense costs if an injured employee sues your business beyond the standard workers' comp claim.
Arizona law requires workers' comp for any business with one or more employees — including part-time workers.
Yes — Arizona requires workers' compensation coverage for all employers with one or more employees, including part-time and seasonal workers. Sole proprietors without employees are exempt but can elect coverage voluntarily.
Workers' comp is priced based on your payroll, the type of work your employees do (job classification codes), and your claims history (experience modification factor). We make sure your employees are classified correctly so you're not overpaying.
Most workers' comp policies are audited annually to true up your premium based on actual payroll. We help you prepare for audits and avoid surprises by setting your initial estimate as accurately as possible.
Generally no — subcontractors should carry their own workers' comp. If they don't, you may be held liable for their injuries. We can help verify subcontractor coverage and advise on your exposure.
Call us — we can often bind coverage same day.