Workers’ Compensation Insurance

Essential coverage for a safe, productive workplace.

Workers’ compensation insurance throughout Arizona.

Workers’ compensation insurance covers employees injured on the job or in auto accidents while on business. It also covers work-related illnesses. We’ll work with you to find a solution that creates a safer and more productive workplace.

How Does Workers’ Compensation Insurance Work?

Workers’ compensation insurance, or simply workers’ comp, is not just a legal requirement in some states–it’s an investment in your staff’s security.

The precise rules vary from state to state, but the general rule is that your business must take out workers’ compensation insurance for employees that pays out if they are injured at work.

In principle, the workers’ comp payouts will cover medical bills, care costs, and a portion of any lost wages. Plus, in the worst-case scenario, workers’ compensation insurance will cover funeral costs and death benefits.

What are Examples of Workers’ Compensation?

There are various situations that might initiate a workers’ compensation insurance claim. Some of these include: 

    • Overexertion – This is common with physical labor jobs like construction that require heavy lifting. Overexertion could result in muscle strains or worse injuries.  
    • Slip & fall – Companies often enforce safety procedures to avoid slip and fall accidents that cause injury. Even so, these accidents still happen. 
    • Struck by object – This happens most often when an object falls from above and hits an employee such as materials on a construction site or items stored high on a shelf. 
    • Machine accidents – Jobs that require heavy machinery will have a strict safety process to avoid injury or death, but accidents still happen. 
    • Falling – Falling accidents are more common in workplace areas like construction sites, but it is also common for employees to fall downstairs in multi-level buildings. 
    • Workplace violence – Any workplace can experience violence that causes injury or death, but this situation is more likely in fields such as law enforcement and nursing or healthcare. 

Do You Need Workers’ Comp in Arizona?

Yes, Arizona requires companies to provide workers’ compensation insurance. There are often harsh legal penalties for businesses that don’t carry workers’ comp. But, aside from that, workers’ comp insurance can also help your business, as it makes sure staff get adequate medical treatment that helps them return to work fit and healthy.

Many workers’ compensation insurance policies go beyond the legal minimums and will also pay your legal costs if an employee sues over a workplace injury.

Who Pays the Premium for Workers’ Compensation Insurance?

The laws regarding workers’ compensation insurance vary in each state. However, in all states, the business pays the premium for worker’s compensation insurance. Employees won’t receive a payroll deduction for the company’s workers’ comp policy. 

How to Get Workers’ Compensation Insurance

While you can get standalone workers’ compensation policies, you can also often buy workers’ comp coverage as an add-on to other policies, such as a business owners policy (BOP), commercial general liability insurance or professional liability insurance.

Our insurance experts are ready to help you determine the best method for obtaining proper workers’ compensation insurance for your business.

How Much Workers’ Comp Insurance Do I Need?

The amount of workers’ compensation insurance needed will depend on the type of business securing the policy. In order to determine how much workers’ comp insurance a company needs, the following points must be assessed: 

  • What is the risk of the company experiencing claims? What is the potential cost the company might absorb with future workplace injuries?
  • What is the value of the insured?

Evaluating these questions will help clarify how much workers’ compensation insurance a business should get to cover its employees. The experts at AZCAL Insurance Services can help with this process so you know exactly what you need. 

Request a Workers’ Compensation Insurance Quote

As an independent agency, we offer multiple options at competitive prices. Contact AZCAL Insurance Services today for a no-obligation quote. Our experts will help you every step of the way. 

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