Buy affordable workers'compensation online in lessthan 5 minutes

The most important thing to know about workers’ compensation insurance in Arizona is that it’s required. So if you employ at least one person in Arizona—full-time or part-time—you’ll need to purchase workers’ compensation for your small business. (And if you don’t buy workers’ compensation, there could be serious consequences for you and your company. Think fines, lawsuits, and a potential shutdown of your business.)

One convenient thing about workers’ compensation, though, is that you won’t have to make any difficult decisions concerning your business insurance coverages. The State of Arizona sets all limits, so you’ll get essentially the same product no matter where you buy your policy. (Which means you should shop around to get the best rate.)

In short, if you’re an Arizona small business with any amount of employees, you need workers’ compensation insurance. It provides important protection for the people who run your business (it’s also the right thing to do).

Whether you’re in Phoenix, Tucson, or Mesa, get a 60-second estimate on what you’d pay with a workers’ compensation estimate here. (It’s completely online, and all the questions are easy.)

Your rate for Arizona workers’ compensation, as set by insurance carriers, will depend on many factors, such as your industry, where you are in the state, and how clean your safety record is. Ultimately, though, the number one factor in what you’ll pay is the size of your payroll: The larger your payroll, the more employees you have—and the bigger the risk that one of them will get a work-related injury. It’s pretty straightforward.

So, what will your small business pay for workers’ compensation? Well, your rate depends on your company’s situation. But the average premium cost that our customers pay is $115 per month, and rates in Arizona have gone as low as $23 per month—which is only around 77 cents per day (and much less than the cost of a hospital bill or a lawsuit).

Tap here to calculate your workers’ compensation rate from Huckleberry. It takes less than a minute.

Arizona workers’ compensation covers medical expenses and lost wages if your employee ever has a medical issue due to their work. And it covers a wide variety of illnesses and injuries. For example, your employee could claim workers’ compensation benefits because they hurt their back while lifting a piece of heavy equipment—or because they got carpal tunnel syndrome from too much typing.

In both cases, this coverage would step in to make sure your ill or injured employee got the medical treatment they needed (and could provide for their family in the meantime, if the injury forced them to stay home from work). That means a portion of their average monthly wages, medical benefits, and lost income relief. For more severe workplace injuries or illnesses, workers’ compensation claims could also result in temporary or permanent disability benefits and even death benefits. 

Is anyone exempt from workers’ compensation in Arizona? If you’re a sole proprietor or a corporate partner, you’re not required to purchase it for yourself. You can also exclude LLC members or corporate officers from workers’ compensation benefits. Your policy, however, will typically cover your whole team. (Workers’ compensation provides important support during a difficult time, and purchasing it is the right thing to do.)

1. It’s fast. 95% of our customers get the workers’ compensation coverage they need in 5 minutes.
2. It’s affordable. You’ll probably pay less for coverage than you would with the legacy insurance companies.
3. It’s simple. We explain everything in simple terms.
4. It’s online. No paperwork.