Workers' compensation for AZ employers.
Medical, lost-wages and rehabilitation benefits for injured employees — required by AZ law and shopped across SCF, Travelers, Hartford and more.
Arizona workers' compensation insurance — required for nearly every employer.
Arizona law requires workers' compensation for nearly every employer with one or more employees, including part-time. It pays for medical care, lost wages and rehabilitation when an employee is injured on the job — and in exchange, it limits your liability as the employer. We shop your class codes across competitive AZ carriers every year.
What you get
- Medical-only and indemnity benefits
- Lost-wage replacement for injured workers
- Employer's liability (Coverage B)
- Pay-as-you-go premium options
- Annual audit support
- Loss-run analysis and re-marketing at every renewal
What's typically covered.
Medical Benefits
All reasonable medical care for a work-related injury or occupational illness.
Indemnity / Lost Wages
Replaces a portion of the injured employee's lost wages while they recover.
Rehabilitation
Vocational and physical rehabilitation to help the employee return to work.
Employer's Liability (Coverage B)
Protects the employer from related lawsuits — third-party-over actions, consequential bodily injury, and dual-capacity claims.
Why local matters.
Arizona work comp rates vary widely by class code and carrier. We compare SCF Arizona, Travelers, Hartford, Berkshire Hathaway GUARD and other competitive AZ writers — and we help you challenge mis-classified codes that inflate your premium.
Common questions.
Ready for a real quote?
Call us — or send your info and we'll get back to you the same business day.