NEXT leads Arizona's workers' comp insurance market with outstanding customer service and comprehensive coverage options. Arizona's business owners can also count on Simply Business and The Hartford, which offer equally strong protection with nearly identical performance ratings.
Workers' Comp Insurance in Arizona
NEXT tops our analysis as the best workers' comp insurance provider in Arizona, with a score of 4.62 out of 5.
Compare top Arizona workers' comp insurance providers and find your ideal coverage.
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Updated: September 10, 2025
Advertising & Editorial Disclosure
Key Takeaways
NEXT, Simply Business and The Hartford are Arizona's top-rated workers' compensation insurance providers based on overall performance scores.
Your business type, number of employees, previous claims and available budget all play key roles in determining the ideal workers' comp provider.
Compare quotes from multiple providers, evaluate their industry knowledge and review their claims handling history to find the right workers' compensation coverage in Arizona.
Best Workers' Comp Insurance Companies in Arizona
| NEXT | 4.62 | 1 |
| The Hartford | 4.54 | 2 |
| Simply Business | 4.54 | 2 |
| Coverdash | 4.47 | 3 |
| biBERK | 4.44 | 4 |
| Nationwide | 4.43 | 5 |
| Progressive Commercial | 4.41 | 6 |
| Thimble | 4.40 | 7 |
| Hiscox | 4.38 | 8 |
| Chubb | 4.27 | 9 |
How Did We Determine These Rates and Rankings?
These rates are estimates based on MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
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LEARN MORE ABOUT BUSINESS INSURANCE IN ARIZONA
Running a business in Arizona requires more than just workers' compensation insurance to protect against potential risks. To ensure comprehensive coverage for your company, explore these valuable other types of coverage resources:
Best Arizona Workers’ Comp Insurance Reviews
NEXT and Simply Business deliver exceptional workers' compensation coverage for Arizona businesses seeking reliable protection.
NEXT
Best Overall Provider
MoneyGeek Rating
4.6/ 5
4.4/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average monthly premium
$65Based on average costs across Arizona businessesOur survey: Claims process
3.9/5Rating from verified customer survey responsesOur survey: Recommend to others
4.8/5Percentage of customers who would recommend NEXT
The Hartford
Runner-Up Best Provider
MoneyGeek Rating
4.5/ 5
4.4/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average monthly premium
$65Based on average costs across multiple business typesOur survey: Claims process
4.5/5Based on customer satisfaction survey dataOur survey: Recommend to others
4.5/5Percentage of customers who would recommend The Hartford
Cheapest Workers' Comp Insurance Companies in Arizona
In Arizona, The Hartford provides the most affordable workers' comp coverage at $65 monthly ($776 annually). NEXT and Thimble offer competitive rates at $65 and $67 per month, respectively, with minimal price differences between providers. The table below shows costs from all companies we analyzed:
| The Hartford | $65 | $776 |
| NEXT | $65 | $784 |
| Thimble | $67 | $804 |
| Progressive Commercial | $67 | $807 |
| Simply Business | $68 | $813 |
| Hiscox | $68 | $818 |
| Coverdash | $69 | $830 |
| biBERK | $71 | $857 |
| Nationwide | $77 | $921 |
| Chubb | $81 | $967 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Your actual premium depends on where your business is located, what industry you're in, how many employees you have, and other factors insurers consider.
Average Cost of Workers’ Comp Insurance in Arizona
Workers' compensation insurance in Arizona costs businesses an average of $70 per month or $838 annually. Arizona's rates run $4 below the national monthly average of $74. Your company's actual premium depends on several factors, including your industry's risk level, number of employees, annual payroll and claims history.
Average Cost of Workers' Comp in Arizona by Industry
In Arizona, workers' compensation insurance costs vary by industry risk level. Speech therapists pay the lowest premiums at $6 per month, while roofing companies face the highest rates at $792 monthly. This substantial difference reflects the varying workplace injury risks across different professions.
| Accountants | $19 | $233 |
| Ad Agency | $15 | $182 |
| Auto Repair | $145 | $1,737 |
| Automotive | $111 | $1,331 |
| Bakery | $51 | $608 |
| Barber | $13 | $160 |
| Beauty Salon | $14 | $167 |
| Bounce House | $38 | $460 |
| Candle | $38 | $452 |
| Cannabis | $79 | $950 |
| Catering | $69 | $833 |
| Cleaning | $46 | $558 |
| Coffee Shop | $45 | $537 |
| Computer Programming | $27 | $323 |
| Computer Repair | $23 | $276 |
| Construction | $172 | $2,059 |
| Consulting | $29 | $346 |
| Contractor | $156 | $1,876 |
| Courier | $215 | $2,577 |
| DJ | $13 | $160 |
| Daycare | $13 | $153 |
| Dental | $11 | $128 |
| Dog Grooming | $61 | $732 |
| Drone | $25 | $305 |
| Ecommerce | $21 | $247 |
| Electrical | $54 | $651 |
| Engineering | $36 | $438 |
| Excavation | $101 | $1,209 |
| Florist | $59 | $704 |
| Food | $40 | $481 |
| Food Truck | $43 | $518 |
| Funeral Home | $25 | $306 |
| Gardening | $45 | $540 |
| HVAC | $59 | $709 |
| Handyman | $89 | $1,071 |
| Home-based | $10 | $114 |
| Hospitality | $67 | $798 |
| Janitorial | $46 | $557 |
| Jewelry | $29 | $344 |
| Junk Removal | $133 | $1,595 |
| Lawn/Landscaping | $36 | $428 |
| Lawyers | $50 | $604 |
| Manufacturing | $56 | $672 |
| Marine | $144 | $1,725 |
| Massage | $14 | $166 |
| Mortgage Broker | $13 | $158 |
| Moving | $247 | $2,959 |
| Nonprofit | $30 | $363 |
| Painting | $132 | $1,586 |
| Party Rental | $35 | $421 |
| Personal Training | $24 | $287 |
| Pest Control | $67 | $804 |
| Pet | $29 | $350 |
| Pharmacy | $6 | $73 |
| Photography | $16 | $195 |
| Physical Therapy | $7 | $78 |
| Plumbing | $61 | $732 |
| Pressure Washing | $80 | $958 |
| Real Estate | $29 | $343 |
| Restaurant | $60 | $720 |
| Retail | $33 | $396 |
| Roofing | $792 | $9,508 |
| Security | $50 | $596 |
| Snack Bars | $42 | $499 |
| Software | $25 | $301 |
| Spa/Wellness | $16 | $197 |
| Speech Therapist | $6 | $69 |
| Startup | $12 | $148 |
| Tech/IT | $26 | $312 |
| Transportation | $217 | $2,598 |
| Travel | $7 | $79 |
| Tree Service | $209 | $2,512 |
| Trucking | $257 | $3,086 |
| Tutoring | $10 | $115 |
| Veterinary | $19 | $223 |
| Wedding Planning | $27 | $324 |
| Welding | $111 | $1,338 |
| Wholesale | $38 | $458 |
| Window Cleaning | $199 | $2,383 |
How Much Workers' Comp Insurance Do I Need in Arizona?
In Arizona, businesses must carry workers' compensation insurance as soon as they hire their first employee. This insurance covers medical expenses and lost wages if workers get injured or become ill due to their job duties.
Corporate officers
Executive officers who own at least 15% of corporate shares can elect to exclude themselves from coverage by filing a written waiver.
Sole proprietors
Business owners operating as sole proprietors are automatically exempt from carrying workers' comp insurance for themselves.
Professional athletes
Athletes in specific professional sports leagues may be exempt if they have contractual injury coverage through their league.
Real estate agents
Licensed real estate agents working on commission are typically considered independent contractors and exempt from coverage requirements.
Domestic workers
Individuals employing domestic workers in private homes for less than 52 hours or earning under $100 in a 90-day period are exempt.
LLC members
Managing members of Limited Liability Companies can opt out of coverage by filing appropriate documentation with the state.
Independent contractors
Workers who qualify as genuine independent contractors under state guidelines are not required to have coverage.
Volunteer workers
Unpaid volunteers performing services for nonprofit organizations are generally exempt from workers' comp requirements.
How to Get the Best Workers' Comp Insurance in Arizona
While workers' comp requirements in Arizona might seem complex, reasonable business insurance costs are available. Start by comparing claims handling, rates and examining policy for each insurer.
- 1
Check coverage requirements
Arizona law requires most businesses with employees to carry workers' compensation insurance.
- 2
Collect business details
Prepare accurate payroll records, employee count, and job classifications before requesting quotes.
- 3
Get multiple insurance quotes
Contact at least three insurance carriers for quotes.
- 4
Find industry-specific providers
Select insurers with experience in your business sector.
- 5
Review provider performance
Look at each insurer's claim processing speed and complaint history
- 6
Examine policy details
Review coverage limits and exclusions carefully. Consider payment options, including pay-as-you-go.
- 7
Schedule annual reviews
Review your coverage yearly as business changes affect premium costs.
Arizona Workers’ Comp: Bottom Line
Our analysis shows that NEXT, Simply Business and The Hartford are the top carriers for workers' comp. Consider getting quotes from these insurers and comparing their offerings.
Arizona Workers' Comp Insurance: FAQ
Here are straightforward answers to the most common questions about coverage in Arizona.
Is workers' comp insurance required for all Arizona businesses?
Arizona law requires businesses with one or more employees to carry workers' compensation insurance. Sole proprietors, independent contractors and corporate officers who own at least 50% of company stock are exempt.
How much does workers' comp insurance cost in Arizona?
NEXT offers the most affordable workers' comp insurance in Arizona at $65 per month ($776 annually).
What does workers' comp insurance cover in Arizona?
Arizona workers' comp insurance covers medical expenses and partial wage replacement for job-related injuries or illnesses. It covers treatments, rehabilitation and lost income during recovery.
Which workers' comp insurance company is best in Arizona?
NEXT leads for Arizona's workers' comp providers with a 4.62 overall score. Simply Business follows at 4.54, offering the most coverage choices (4.90), while The Hartford (4.54) is for reliable customer support.
What happens if I don't have workers' comp insurance in Arizona?
Operating without workers' compensation insurance in Arizona is illegal. Employers face fines of up to $10,000, possible criminal charges and business closure. The Industrial Commission of Arizona strictly enforces compliance.
Do sole proprietors need workers' comp insurance in Arizona?
Sole proprietors in Arizona are not required to carry workers' compensation insurance since they aren't considered employees.
How do I choose the right workers' comp insurance company in Arizona?
Get quotes from at least three workers' compensation insurance companies in Arizona. Choose a company with expertise in your industry.
How We Scored the Best Workers' Comp Insurance Companies in Arizona
- Affordability (50%): Cost drives every small business insurance decision in Arizona's expensive market. We compared monthly premiums across all companies, since even comprehensive policies won't help if you can't afford them.
- Customer experience (30%): When your employee gets hurt, you'll need an insurer that handles claims quickly and treats injured workers fairly. We used J.D. Power ratings, Arizona Department of Insurance complaint data and independent reviews.
- Coverage options (15%): We evaluated each company's policy flexibility, add-on options and coverage limitations for specific Arizona industries and regulatory requirements.
- Financial strength (5%): Premium savings don't matter if your insurer struggles financially. We checked AM Best ratings to ensure recommended carriers can deliver on their promises.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.