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Purchasing Workers Comp Insurance in Arizona

2020 Arizona Coverage Requirements

    Companies with one or more full or part-time employees are required to purchase workers compensation insurance in Arizona

    Sole-Proprietors and Partners are automatically excluded but they can elect to be covered on the Acord 130 Form.

    Corporate Officers are automatically included in coverage, but they may elect to be excluded on the Acord 130 Form.

    LLC Members with one or more employees are required to carry workers comp coverage. The state Dept. of Insurance is not clear as to whether or not LLC members are treated as employees.

2020 Payroll Limits & Owner Exclusion Requirments

    Sole-Proprietors and Partners who include themselves on workers compensation coverage must use a payroll amount of $31,200 for rating purposes.

    Corporate Officers who are not excluded from coverage must utilize a minimum payroll of $57,200 and a maximum of $228,800 for the purpose of rating workers comp premium. (As of 01/01/2018)

Workers' Comp Insurance Varies by State- Know the Law

Every state has their own rules for how employees must be covered and how they must be classified for rating purposes. A lot of states use state specific class codes and have different requirements for who is obligated to carry workers' compensation insurance coverage.

If you have employees that travel out of state for work, or they work in multiple states throughout the year, you may need to purchase insurance for all the states where your workers are located and working. In most cases, you can add multiple states to one policy.

Workers' Compensation Insurance in Arizona can be purchased from private insurance companies authorized by the state to provide coverage. The Assigned Risk Pool, or State fund coverage, is available for employers who are unable to find coverage from a private company. can help you navigate your best options.

Policy premium is based on numerous factors including: class codes assigned to your business and employees, estimated payroll, covered states, prior policies, owner experience and claims.

Enjoy the benefits of our Pay As You Go Workers' Comp Options in Arizona.

No Money Down

We've developed Pay As You Go worker compensation programs that reduce or eliminate premium deposits and allow Arizona employers to report and pay premium based on actual payroll wages. Reduce your audit risk.

Lower Monthly Payments

We've negotiated special terms with many of our insurance partners to offer more flexible payment options like 12 equal installments plans and monthly reporting programs to help improve cash flow for our business owners.

Free, No-Risk Quotes

Give us 10-15 minutes and we'll get to work finding your very best deal on workers compensation coverage. We work with some of the lowest priced workers compensation insurance carriers doing business in Arizona.

Quote Arizona Workers Compensation With Us

Arizona Workers Comp Specialists

We've been specializing in workers comp insurance coverage since 2005. Our licensed insurance agents are employed by our national insurance agency and undergo continuous training on state insurance rules, our insurance carriers, and programs we've created to save employers money.

Need Help With Arizona Class Codes?

Insurance rates vary significantly between NCCI classification codes. Let our AZ Workers Compensation Specialists help you determine your correct workers compensation class codes before your buy a policy. We'll help make sure your business is properly covered.

Faster Workers Comp Quotes

We make the process of getting workers compensation quotes fast and easy. We know your time is valuable. That's why we work harder to streamline the quote process, compare your rates and coverages, and present your best options as quickly as possible. We often have your insurance quotes ready in less than 24 hours.

Shop Over 35 Insurance Carriers

We're a National Agency, and we have tons of carriers offering work comp in Arizona. We have access to over 35 insurance companies with a diverse appetite and competitive rates. Our markets know we expect the lowest rates, bigger discounts, and more policy credits when we request a quote.


Did you know that the cost of a workers comp policy in Arizona can vary significantly between insurance company, underwriter, and insurance agency?
Find the best deal on workers compensation insurance.
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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