Arizona law requires that all public and private employers provide Workers’ Compensation coverage for their employees if they employ one or more persons full or part-time. Workers’ Compensation is regulated by the Industrial Commission of Arizona (ICA).
What is the cost for contractor Workers’ Compensation in Arizona?
The cost for a contractor Workers’ Comp policy can vary greatly based on the location, payroll amount, classification of workers, and the company’s prior work-related injury history.
What does a Workers’ Compensation policy cover?
If an employee is injured, becomes ill, or dies as a result of their work, Workers’ Compensation insurance will pay benefits to the person or their family. These benefits can include medical treatment, temporary or permanent disability, partial pay replacement, and death benefits.
In addition to the employee, the contractor is covered by a Workers’ Compensation coverage. If an employee received benefits under a Workers' Compensation policy, they cannot launch a case against the contractor. A lawsuit can be filed against the employer, however, if the employer willfully injures the employee or if the task performed falls outside the limits of the worker's assignment.
What is the procedure of filing a Workers’ Comp claim in Arizona?
A claim must be filed within one year from the date of injury or when the injured worker became aware of the condition. The injured worker is responsible for making sure that the claim is filed. It is also the injured worker’s responsibility to advise ICA and the insurance carrier of the most current address throughout the duration of the claim.
Inside our Workers’ Comp Ghost Policy
For one-person operations, independent contractors, and paper GCs in Arizona
You’re self-employed with no workers or an independent contractor, so Workers’ Compensation is not required in most cases. However, your customers want proof of coverage during the bidding process so you can win the project. Or you’re a general contractor managing the construction work with a high subcontractor exposure and no payroll. You must also provide proof of Workers' Comp to land a project.
Our Workers’ Comp Ghost Policy is designed to fit your needs and show proof of coverage. While the policy doesn’t provide coverage or any benefits, it enables you to meet contractual obligations and land more jobs.
The premium for a Workers’ Compensation Ghost policy is based on payroll. There is no payroll for businesses without employees, so a Ghost policy is often less expensive than standard Workers' Compensation insurance. Before you renew your coverage, the insurance company will perform an audit to check that you still have no employees. Premium adjustments will be made if you’ve hired anyone during the year.
For Arizona Paper General Contractors
With CCIS’ program, general contractors with a subcontractor exposure over 50% and up to 100% can also obtain a Workers’ Compensation policy.
Call us at (800) 432-2641 to see if you’re eligible for our Workers’ Comp Ghost Policy and GC Program and for a quote.