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Workers Compensation

What Does Workers'
Compensation Insurance Cover?

Workers' compensation insurance provides benefits to employees who experience qualifying work-related injuries or illnesses. Depending on the claim and applicable Arizona law, benefits may include medical treatment, partial wage replacement, disability benefits, and other eligible expenses. Coverage requirements and benefits are governed by Arizona law, while policy premiums depend on factors such as payroll and job classifications.

Work-Related Injuries & Illnesses

Medical Expenses & Wage Benefits

Arizona Employer Coverage Requirements

Workers Compensation

Compare Workers' Compensation Carriers

We help businesses compare available workers' compensation policies from multiple insurance companies, including premiums, payment options, and insurer services.

Coverage Based on Your Workforce

Your industry, employee duties, payroll, and claims history can affect workers' compensation premiums. We help you review these factors when evaluating coverage options.

Local Agents, Ongoing Support

Our team in Surprise can answer policy questions, assist with coverage updates, and explain the process for reporting workplace injuries to your insurance carrier.

Compare Workers' Compensation Insurance
Quotes

  • ★ ★ ★ ★ ★

    Mike Jensen

    I can HIGHLY recommend Moore Insurance Agency. Helen and her entire team are first class, are fantastic. They are direct, knowledgeable, professional and respond quickly.

  • ★ ★ ★ ★ ★

    Elvia Vasquez

    We were shopping for Commercial Insurance. Helen was able to save us thousands of dollars. This team is extremely knowledgeable & provides great customer service to their clients.

  • ★ ★ ★ ★ ★

    Nikole Hintz-Lyon

    Moore Insurance is phenomenal! I highly recommend Moore for all your insurance needs. Helen goes above and beyond. She answers calls effectively and in a timely manner.

  • ★ ★ ★ ★ ★

    Bimal Merchant

    Helen and her team are the best!! Not only is Helen extremely knowledgeable, she will go the extra mile to explain coverages, options and everything in between.

  • ★ ★ ★ ★ ★

    Sue Shipley

    I have never had better service! I called Helen at Moore Insurance and saved $2500 per year on my homeowners insurance. Customer service is excellent.

  • ★ ★ ★ ★ ★

    Prayas Gandhi

    I had an excellent experience working with Helen and insurance for my new company. They patiently worked with me every step of the way!

★ ★ ★ ★ ★

Mike Jensen

I can HIGHLY recommend Moore Insurance Agency. Helen and her entire team are first class, are fantastic. They are direct, knowledgeable, professional and respond quickly.

★ ★ ★ ★ ★

Elvia Vasquez

We were shopping for Commercial Insurance. Helen was able to save us thousands of dollars. This team is extremely knowledgeable & provides great customer service to their clients.

★ ★ ★ ★ ★

Nikole Hintz-Lyon

Moore Insurance is phenomenal! I highly recommend Moore for all your insurance needs. Helen goes above and beyond. She answers calls effectively and in a timely manner.

★ ★ ★ ★ ★

Bimal Merchant

Helen and her team are the best!! Not only is Helen extremely knowledgeable, she will go the extra mile to explain coverages, options and everything in between.

★ ★ ★ ★ ★

Sue Shipley

I have never had better service! I called Helen at Moore Insurance and saved $2500 per year on my homeowners insurance. Customer service is excellent.

★ ★ ★ ★ ★

Prayas Gandhi

I had an excellent experience working with Helen and insurance for my new company. They patiently worked with me every step of the way!

Some Frequently
Asked Questions

Is workers' compensation insurance required in Arizona?
Arizona generally requires businesses with one or more employees, including part-time employees, to provide workers' compensation coverage. Certain statutory exceptions apply, and qualifying employers may use approved self-insurance arrangements instead of purchasing a commercial policy. Business owners should review their employment arrangements and applicable requirements.
What does workers' compensation insurance cover?
Workers' compensation provides benefits for qualifying work-related injuries and illnesses. Benefits may include medical treatment, partial replacement of lost wages, disability compensation, rehabilitation, and death benefits for eligible dependents. Eligibility and benefit amounts depend on Arizona law and the circumstances of the claim.
How much does workers' compensation insurance cost in Arizona?
Workers' compensation premiums depend on factors such as payroll, employee job classifications, industry risks, claims history, and the insurance carrier's rating methods. Businesses with different types of employees or work activities may have different premium calculations. We can help you compare available coverage and pricing.
Do independent contractors need workers' compensation insurance in Arizona?
Workers' compensation requirements depend on the actual working relationship, not simply whether someone is called an independent contractor. Some contractors may qualify as employees under Arizona law, and specific rules apply to sole proprietors and certain contractor arrangements. Businesses should verify worker classification and coverage obligations before assuming an exemption applies.
Can a small business get workers' compensation insurance in Arizona?
Yes. Workers' compensation insurance is available for many types of Arizona small businesses. Coverage options and premiums depend on the business's operations, employee classifications, payroll, and underwriting requirements. Our agents can help you review available policies and request quotes from participating carriers.

Get a Workers' Compensation Insurance
Quote