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    Protect your business and employees with Arizona workers' comp

    Workers' compensation insurance in Arizona helps cover medical bills and a portion of lost wages if an employee gets hurt or sick at work. It also helps you follow state regulations, creating a safer workplace for everyone.

    Talk to a Progressive Commercial specialist to learn more about workers' comp in the Grand Canyon State and get the coverage you need.

    Who needs workers' compensation insurance in Arizona?

    Businesses that consistently employ at least one person should have workers' compensation insurance in Arizona. This coverage provides medical care and wage compensation for employees with job-related injuries or illnesses. It may also be necessary to meet professional licensing and contract conditions.

    Learn more about Arizona workers' compensation requirements.

    Arizona workers' compensation insurance exemptions

    Independent contractors and sole proprietors are exempt from Arizona workers' compensation laws. However, without it, your team remains unprotected from workplace accidents. Even exempt businesses should consider coverage to avoid possible legal claims.

    Explore Arizona workers' comp exemptions.

    What are the penalties for not having workers' comp in Arizona?

    There are penalties for not having workers' compensation in Arizona, like fines up to $10,000. If a worker sues, the business also has to repay the benefits and face an additional penalty. Avoid these risks by consulting with a Progressive Commercial agent for expert advice.

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    How much does workers' comp cost in Arizona?

    • Job classification code: Arizona workers' comp insurance rates are determined by the National Council on Compensation Insurance (NCCI), which uses class codes to categorize jobs by risk level.
    • Payroll: The cost of workers' comp is determined per $100 of payroll, so having a higher payroll results in a more expensive policy.
    • Claims history: Your claims history also affects what you pay for coverage. More claims can potentially raise your premium.
    • Insurance carrier: Arizona workers' compensation insurance companies might charge different rates since they each have their own methods of assessing risk and determining prices.

    How can you get workers' comp in Arizona?

    You can get workers' compensation in Arizona three ways:

    • Private insurers: Many Arizona businesses choose to get workers' comp through private insurers that offer customizable coverage and additional benefits.
    • Self-insurance: Companies with an annual payroll of at least $2 million can apply for self-insurance through the Industrial Commission of Arizona. If approved, you could reduce premiums by covering claims with your own funds, but you'll have to manage financial risks and administrative tasks.
    • State fund: This government program provides consistent coverage and benefits for workers. The state fund helps manage costs and promotes fairness and efficiency.

    Consider these options to find the right Arizona workers' compensation provider.

    How does workers' comp work in Arizona?

    Arizona workers' compensation insurance provides support for employee injuries or illnesses. After an employee reports an incident, the employer or employee can submit a claim. If approved, the employee receives financial assistance.

    Arizona workers' compensation benefits include:

    • Medical expenses
    • Disability benefits
    • Lost wages
    • Rehabilitation costs

    Workers' comp protects your business and helps injured employees recover and return to work. It also reduces the risk of legal claims, since employees receiving benefits usually can't sue your business.

    Arizona workers' comp death benefits

    Arizona workers' compensation death benefits support the families of deceased employees. These benefits help them manage expenses and maintain stability after the loss of a loved one. They include:

    • A lump-sum payment of up to $5,000 for funeral expenses
    • Payments equaling 67% of the employee's average monthly wage

    Get more information on Arizona workers' comp death benefits.

    Arizona workers' compensation statute of limitations

    Arizona workers' compensation claims need to be filed within a year of the injury date. Encourage your employees to report any workplace incidents immediately to meet the state's statute of limitations and secure benefits.

    Why choose Arizona workers' comp through Progressive Commercial

    For over 50 years, Progressive Commercial has been helping businesses like yours find the right insurance. Our exceptional service at a competitive price makes it easy.

    Give us a call to discuss your needs with an agent or get started with an online quote.

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    Start a quote to get Arizona workers' compensation insurance

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