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Worker’s Compensation Insurance: What Employers Need to Know

Worker’s compensation insurance protects businesses from incurring high medical costs and other expenses if an employee is hurt at work. You might assume that just applies to commercial settings like restaurants, construction sites, and industrial warehouses.

But offices also require it because there are risks of accidents from the paper cutter, metal desks with sharp corners, and slick flooring.

According to Arizona law, worker’s compensation is no-fault insurance, which means that no matter who was at fault for the accident, the injured worker would be given medical care and monetary compensation for their injuries.

The workers compensation insurance in Arizona is governed and supervised by the Industrial Commission for businesses in Arizona.

How to Obtain Workers’ Compensation Insurance

The free quote service makes getting workers’ compensation insurance in Arizona simple. A notice of workers’ compensation insurance must be posted informing employees about the coverage. Once the policy is obtained, the “rejection” forms for workers must be provided by the company.

All companies in Arizona with five or more payroll employees are required by law to obtain worker’s compensation insurance in Arizona. Under this no-fault system, injured workers are entitled to benefits regardless of the circumstances surrounding the incident.

The Laws That Govern Workers’ Compensation Insurance

No matter who was at fault for the work-related accident, an injured employee is entitled to benefits under the no-fault workers’ compensation insurance system. The injured worker receives medical benefits and may obtain temporary compensation if qualifying standards are completed.

An injured worker may occasionally be given supportive medical care, job retraining, and long-term compensation benefits.

The Workers’ Compensation Insurance Covers

The worker’s compensation insurance in Arizona covers medical expenses and reimbursement for lost wages and permanent impairments in the event of a working accident. This can apply to both short-term and long-term benefits.

Employees who cannot work for more than a week are entitled to lost time benefits and payments for lost wages. These benefits are referred to as temporary workers’ compensation benefits. The doctor treating the employee must confirm that they are unable to work.

Arizona Workers’ Compensation Fee Schedule

The Industrial Commission of Arizona has regulated Arizona’s workers’ compensation law since 1925. The commission establishes the Arizona physician fee schedule, which establishes the costs that physicians bill for treating injured employees.

Occupational therapists, physical therapists, and physicians are examples of medical professionals. Additionally, the Arizona Senate recently approved an amendment to Arizona Revised Statute 23-908 that establishes the costs for prescription drugs for injured workers.


You must provide workers’ compensation insurance to your employees as a company in Arizona. Arizona workers’ compensation is a no-fault system; regardless of what led to a worker’s accident, they will always receive medical attention and reimbursement.

Employees in Arizona who are harmed or ill while working are entitled to the numerous advantages of workers’ compensation insurance: a policy that pays medical costs and a temporary income supplement if they require time off to recover.

In Arizona, workers’ comp pays for all medical costs.


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