Arizona Workers Compensation Insurance-Workmans-Comp

Arizona Workers Compensation Insurance Rules

Arizona Workers Compensation

1. Who needs workman's' Compensation Insurance coverage?

Yes, all employers with one or more employees must maintain workers compensation insurance.

2. In Arizona is there any exemptions from carrying workers compensation insurance?

Sole Proprietors and partners are not required to carry workers compensation insurance, but can elect to be covered. Corporate officers are covered under Arizona Law, however, they may elect to exempt themselves from workers compensation insurance coverage.

3. Does Arizona workers compensation law have specific requirements for subcontractors/contractors and sole proprietors?

Contractors and subcontractors who perform work separate from clients normal work and who are not supervised by client during execution of that work are considered independent contractors, not employees for purposes of Workers Compensation insurance.

Employee Leasing and Staffing Companies

Using a PEO or staffing company to obtain your workers compensation may be a good alternative to purchasing your own workers compensation policy. Leasing companies handle your payroll, w-2 forms, unemployment and workers compensation claims. In many cases the down payment required to obtain a new workers compensation policy is high and many new businesses cannot afford the down payment. Another advantage, based on my experience, is that you will never get audited because you pay as you go for your coverage. We represent numerous leasing and staffing companies who in many cases offer deep discounts on your workers compensation coverage that you will not find from standard workers compensation insurance carriers.

USL&H & The Jones Act

We have excellent workers compensation programs for these specialty risks requiring this endorsement. If you are unsure and want to read either the USL&H or Jones Act I have provided helpful links below for you convenience. I have found them to be the most detailed and good resources on the laws.

If you need a quote that requires this coverage

Click Here for a USL&H Quote

Click here for the complete USL&H Act, courtesy of Cornell University.
Click here for: USL&H & Jones Act Information
Defense Base Act Division of Longshore and Harbor Workers' Compensation

Arizona Workers Compensation

Helpful Links to Arizona Workers Compensation

Arizona Proof Of Workers Compensation Data Base

Arizona Division of Workers Compensation

Arizona Workers Compensation Forms

Employers Wokers Compensation FAQ's