Workers Compensation Insurance in Arizona (AZ)

Small Business Coverage and Peace of Mind

Arizona encompasses the stunning Grand Canyon, the piney mountain peaks of Flagstaff, the sizzling Sonoran Desert around Tucson, and the cactus-studded metropolis of Phoenix. With an economy larger than Ireland, New Zealand, and Finland, Arizona is home to major employers such as Best Western, Fender Guitars, P.F. Chang’s, and Cold Stone Creamery.

Arizona might have been the last of the forty-eight contiguous states to achieve statehood in 1912, but in recent decades the state has been setting records for growth. The independent spirit of Arizona’s pioneers can be seen in the large number of small businesses which employ over half a million people in the Grand Canyon State.

Whatever the size or mission of the business, it is required to have workers’ compensation coverage. The Industrial Commission of Arizona was created in 1925 to implement the constitutional provisions establishing workers’ compensation.1

Arizona workers’ compensation is a “no fault” system in which an injured employee is entitled to receive medical benefits and temporary compensation for an industrial injury, no matter who caused the job-related accident.2 In most instances, workers compensation is the exclusive remedy against an employer that is insured.

Workers’ compensation insurance can be obtained from insurance companies licensed by the state. Industries purchasing workers’ compensation insurance in Arizona include bakeries, hotels, janitorial services, movie theaters, auto dealers, accountants, attorneys, nurseries, wineries, retailers, and manufacturers of apparel, computer products, foods and beverages, plastic products, and paper goods.

EMPLOYERS has a long history of service in the Grand Canyon State, covering small businesses in Phoenix, Scottsdale, Tucson and state wide. EMPLOYERS writes policies through Employers Compensation Insurance Company, Employers Preferred Insurance Company, and Employers Assurance Company.

Arizona Workmans’ Comp Coverage You Need

Interested in learning more about how EMPLOYERS can help your Arizona business? Request a quote for workers’ compensation insurance from EMPLOYERS!

Thousands of small businesses trust EMPLOYERS for providing cost-effective workers’ compensation insurance for over a century. With our competitive pricing, financial stability and dependability, claims service, safety training and risk advisory programs, EMPLOYERS remains focused on keeping America’s small businesses not only working, but working safely.

1. “History and Funding of the Industrial Commission of Arizona,” Industrial Commission of Arizona, 2013,

2. “Workers’ Compensation Information for the Injured Worker,” Industrial Commission of Arizona, December 29, 2010,

In Arizona, insurance is offered through Employers Compensation Insurance Company, Employers Assurance Company and Employers Preferred Insurance Company. Not all insurers do business in all jurisdictions.