Workers’ Compensation Insurance for Arizona Employers
Arizona requires workers’ compensation for essentially every employer with employees. It pays medical costs and lost wages for work-related injuries, and protects the business from being sued directly over them.
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Arizona law requires employers to carry workers’ compensation coverage for their employees. The policy pays medical treatment and a portion of lost wages when someone is hurt on the job, and in exchange it shields the business from most direct lawsuits over that injury.
Premium is driven by your payroll and by the class codes assigned to the work your people actually do — which is where a lot of businesses quietly overpay. Misclassified codes and stale payroll figures both inflate the bill. We look at both when we quote.
Boone Insurance Group writes workers’ compensation as part of a complete commercial program alongside general liability and property coverage, so the pieces fit together instead of being bought separately from three different places.
What we look at when quoting
- Medical treatment and lost-wage benefits for work-related injuries
- Employer liability protection alongside the statutory benefits
- Class-code review, since a misassigned code inflates premium directly
- Payroll figures checked against what you actually run today
- Quoted alongside general liability and property as one program
- Multiple carriers compared, including carriers we already place business with
Answers
Workers’ Compensation questions
Common questions about workers’ compensation in Arizona.
Is workers’ compensation required in Arizona?
Yes. Arizona requires employers to carry workers’ compensation coverage for their employees, with narrow exceptions. Operating without it exposes the business to penalties and to direct liability for injuries.
What does workers’ compensation pay for?
Medical treatment for a work-related injury or illness and a portion of the wages the employee loses while recovering. It also provides the employer liability protection that keeps most injury claims out of court.
How is the premium calculated?
Primarily from your payroll and the class codes describing the work being performed. Because both change over time, an annual review is worth doing — outdated codes and payroll are a common source of overpayment.
Companies we represent
Independent access to multiple carriers means we compare — we don’t sell one company’s products.
Let’s price your workers’ compensation
Tell us what you need to protect. We’ll compare carriers and come back with options — free, with no obligation.
Monday – Thursday 8:30 am–5:00 pm · Friday 8:30 am–3:00 pm
In their words
What our clients say
Real reviews from Boone Insurance Group clients across Arizona.
I had an exceptional experience working with Melissa Boone at Boone Insurance Group. From the moment I reached out, she was incredibly attentive and professional. Melissa took the time to understand my unique needs and provided tailored recommendations that perfectly suited my situation. Her expertise and genuine care were evidence throughout the process. I highly recommend Melissa Boone to anyone in need of insurance services!
I’m so thankful for Melissa! She took the time to meet with my daughter and talk through auto insurance options. She is knowledgeable, friendly, listens to your situation and really tries to help you get the best rate. I highly recommend Melissa if you are shopping around for auto insurance!
I’ve had the pleasure of working with Melissa and she has also helped many of my clients obtain homeowners and auto insurance. She is extremely knowledgeable and provides a very high-level of service. I highly recommend Boone Insurance Group!
Where we work
Serving Mesa, Gilbert and the rest of Arizona
Based in Mesa, writing throughout the Phoenix metro — and licensed in 45 states for clients who move.