Arizona Workers Compensation Insurance Companies - Workers' compensation insurance provides medical benefits, wages, and other financial benefits to employees if they are injured or sick while on the job. This coverage is required in most states. Workers' compensation insurance is also known as worker's compensation or worker's compensation insurance.
Workers' compensation insurance helps your employees recover from work-related injuries and illnesses so they can return to work faster. Employee benefits can help:
Arizona Workers Compensation Insurance Companies
Workers' compensation coverage also benefits small business owners. For example, it includes liability insurance coverage. So, if your business is facing lawsuits from injured workers or their families, workers comp can help pay your legal fees.
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It can also help pay for training employees for new roles if they can't return to their previous roles. And if they can't return to work at all, workers' compensation coverage can provide long-term disability benefits.
Most states have workers' compensation requirements. Failure to pay workers' compensation can result in significant fines and penalties. Laws vary by state and may contain exceptions for certain types of employees.
For example, workers classified as federal employees are covered through a program administered by the Department of Labor.
We've designed our programs to support small businesses and are here to promote the safety and well-being of your employees and help them get back to work as quickly as possible.
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Your employees have access to more than 65,000 US pharmacies to fill prescriptions, usually at no cost, plus convenient mail-in service.
If your worker is injured by a needle, this will help cover medical expenses and pay for the initial testing of your worker and his patient. It can also reimburse your employee for additional tests.
Experienced nurse managers work with your staff to help coordinate health care and treatment. They can also help with physical, emotional, and occupational therapy.
Workers' compensation insurance costs vary. But according to our policy data, most of our customers with salaries under $300,000 pay an average of $70 per month.
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Of course, this is for customers from Hartford. Job offers will vary in price, but you can see how much you'll pay by getting an online quote today.
An insurance company uses various factors to arrive at workers' compensation. This may include your business:
The National Insurance Council for Compensation assigns classification codes based on the type of work that workers perform. If your business has a history of claims, this can increase the cost of your coverage.
Less trouble, more help. We know what small business owners are looking for - and we deliver.
How Long Does Workers' Comp Last?
Vince Valenza, owner of Blues City Deli in St. Louis, talks about the importance of covering workers.
Workers' compensation laws vary from state to state. Select a state using the map or drop-down menu and learn more about the workers' compensation system. Or check the insurance coverage of all government employees.
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Workers' Compensation Services
You try to run your business as safely as possible, but workplace accidents and employee illness at work happen all too often. We are here to help your employees overcome their injuries and get them back to work faster.
Premium amounts 1, 2, 3, 4 shown are based on monthly premiums paid by Hartford small business customers for the period 1/1/21. Until 31.12.21. Premiums for 12-month policies are based on a number of factors specific to your business and may vary.
*** This is a simple calculation for educational purposes only. Actual premium calculations can be more complicated. Experience mods are subject to state requirements and do not apply to every policy.
Hartford shall not be liable for any damages resulting from the use of information provided on this page. Please consult your insurance agent/broker or insurance company to determine your specific coverage needs, as this information is educational in nature.
Workers' Compensation In Arizona: What Every Employer Needs To Know
The information on this page should not be construed as specific legal, personnel, financial or insurance advice and is not a guarantee of coverage. In case of loss or damage, the determination of coverage will be subject to the text of the insurance policy, and any possible payment of damages will be determined after the claim is investigated.
Specific coverages vary by state and may not be available for all businesses. All Hartford coverages and services described on this page may be provided by one or more affiliates of The Hartford Financial Services Group. It is specified in the legal notice.
The Hartford Financial Services Group, (NISE: HIG) operates through its subsidiaries under the Hartford brand, headquartered in Hartford, CT. Read Hartford's legal notice for more details. Arizona workers comp insurance helps pay for medical expenses and lost wages of an employee who is injured or becomes ill on the job. Workers' compensation benefits both the employer and the employee.
Every business will have different workers' compensation insurance premiums because it depends on your individual risk factors. Rates are determined based on the type of industry and job duties and are set within a range. See the range of rates for several industries in Arizona, per $100 of employer payroll:
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Workers' compensation insurance is mandatory for all employers in Arizona. This means that coverage must be applied to comply with local laws, or fines or worse may apply.
Arizona workers' compensation pays the medical expenses and lost wages of an employee who is injured or ill as a result of their job duties. Some of these are:
Your local independent insurance agent can find an Arizona workers' camp insurance certificate. Some companies, individuals or municipalities where your business operates require a certificate of coverage. This certificate lists your policy limits and their expiration dates.
When you purchase your workers' compensation insurance and other business policies through an independent insurance agent, you get options. They work with dozens of top companies to find the most competitive rates for your operation. Plus, they do the comparison for free, which makes it easy.
Nevada Workers' Compensation Guide
Workers' compensation payments made to your employees who have made a claim under your policy are generally not taxable in Arizona.
In Arizona, you as an employer must have at least one or more workers' compensation insurance for any number of employees. The employee has 90 days to notify the employer of the injury or illness caused by his work duties. After that, the employee has a one-year deadline to submit an application. Fines or worse can be imposed if the business owner fails to obtain or maintain workers' compensation insurance. The cost of workers' compensation insurance depends on a variety of factors, including the location of your business, the number of employees and the risks of your industry. Small businesses pay about $45 a month for this policy.
Our data is derived from the average cost of policies purchased by customers. The median provides a better estimate of what your business is likely to pay because it eliminates high and low premiums, such as high-risk installer businesses that pay much more for workers' compensation.
According to the National Safety Council, the average workers' compensation claim is $41,350. In comparison, paying for a workers' compensation policy that can cover medical expenses, lost wages, and other expenses related to a workplace injury is likely to be a much better deal for your business. That's why small business owners can buy it even when it's not required by state law.
Workers' Compensation Insurance From $14/month
While small business customers pay an average of $45 per month for workers' compensation coverage, 23% pay less than $30 per month and 40% pay between $30 and $60 per month. Pricing depends on your business risk, location, claims history and number of employees.
A physically demanding job usually leads to higher premium rates – as does a history of workplace accidents. Workers' compensation rates are unique because they tend to decline
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