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AZ — Licensed & ActiveUpdated Mar 2026

Commercial Insurance in Arizona.

Protecting your business in the Grand Canyon State.

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From the bustling metropolis of Phoenix to the growing suburbs of Tucson, Arizona's diverse economy presents unique risks. Whether you're in construction, healthcare, or the burgeoning tech sector, RISKX provides tailored commercial insurance solutions to protect your Arizona-based business.

Key Industries in Arizona

HealthcareTransportation and WarehousingConstructionRetail TradeHospitalityTechnology

Workers' Compensation in Arizona: Required

Arizona requires workers' compensation for all employers with one or more employees, full-time or part-time. It is a competitive market, meaning coverage can be obtained from private insurance carriers.

Arizona Regulatory Notes

Workers' comp is mandatory for all employers with 1+ employees.

Arizona follows a comparative negligence rule for liability claims.

Commercial auto insurance liability minimums are $25,000/$50,000/$25,000.

The state has specific regulations regarding insurance for the transportation and construction industries.

Workers' Comp Rate Details — Arizona

Index Rate
$0.70
per $100 payroll
National Rank
#46
of 51 jurisdictions
vs. Median
36%
below national median
Required At
1 employee
Low Cost State
  • •Required for all employers with 1 or more employees
  • •Sole proprietors and partners can opt out
  • •One of the lowest WC rates in the nation

Penalty for non-compliance: Class 6 felony; employer liable for all claim costs plus penalties

Rate data: Oregon DCBS 2024 Premium Rate Ranking Study. Index rates represent the median rate per $100 of payroll across all classification codes.

Auto Insurance Minimums — Arizona

Min. BI Liability
25/50
per person/accident ($K)
Min. Property Damage
$15,000
PIP Required
No
No-Fault State
No
  • •Lower property damage minimum than many states ($15K)

Regulatory Overview — Arizona

Key Facts

  • •Workers' comp rates are 36% below the national median — one of the cheapest states
  • •Rapidly growing business population, especially in Phoenix metro
  • •No personal income tax makes it attractive for business owners
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Arizona Insurance FAQ

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Free: Workers' Comp State Requirements Checklist

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