How Uninsured Employer Liability Occurs in Arizona

Are you an employer in Arizona without workers’ compensation insurance? Learn how uninsured employer liability occurs, what penalties you could face, and how Palmer Law Offices, P.C. helps protect small businesses from costly claims. Serving Phoenix, Prescott, and all of Arizona, our experienced defense attorneys can help safeguard your company.
Uninsured Employer Arizona

How Uninsured Employer Liability Occurs in Arizona

Uninsured Employer Arizona

Are Employers Required to Carry Workers’ Compensation Insurance in Arizona?

Yes. Under Arizona workers’ compensation law, all employers who regularly hire workers—whether part-time, full-time, temporary, minors, undocumented workers, or family members—are required to carry workers’ compensation insurance. This legal requirement ensures that injured employees or their surviving family members can access compensation for work-related injuries, disabilities, or fatalities.

It’s important to note that workers’ compensation insurance is not the same as:

  • General liability insurance (which covers non-employee injuries on the premises), or

  • Medical insurance (which only covers non-work-related health issues).

If an employer fails to carry workers’ compensation insurance or is not self-insured under Arizona law, and an employee is injured while working, that business is classified as an Uninsured Employer—a designation that can carry serious legal and financial consequences.

Is Failing to Carry Workers’ Compensation Insurance a Crime in Arizona?

Yes, it can be. Failing to carry workers’ compensation insurance is a violation of Arizona law and may result in:

  • Criminal prosecution

  • Personal and business liability

  • Civil penalties and fines

  • Exposure of company owners and executives to personal legal risk

At Palmer Law Offices, P.C., we provide legal defense and strategic counsel for uninsured contractors, small business owners, and employers who are facing claims from injured workers. Our attorneys have extensive experience defending against claims filed with the Industrial Commission of Arizona’s Special Fund.

Legal Help for Uninsured Employers in Arizona

If you’re a business owner without workers’ compensation coverage and facing a claim, the legal risks are significant — but you are not alone. At Palmer Law Offices, we specialize in uninsured employer defense and are one of Arizona’s premier law firms in this area. Our team:

  • Advises employers on financial exposure

  • Develops defense strategies tailored to your situation

  • Works to resolve claims efficiently and effectively

  • Helps you get your business back on solid legal ground

Contact an Arizona Uninsured Employer Defense Lawyer Today

Don’t wait until a claim damages your business. If you’re operating without workers’ compensation insurance or facing an injury claim, contact Palmer Law Offices, P.C. today. We proudly serve clients in Phoenix, Prescott, and throughout Arizona, and we have a proven track record of aggressive, effective representation.

Call us at 602-277-2007 or utilize our Contact Us page to schedule a consultation.

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Defenses Available to Uninsured Employers in Arizona

Facing a workers’ compensation claim without insurance in Arizona? Discover what defenses are available to uninsured employers and how Palmer Law Offices, P.C. can help protect your business. Learn your legal options and how to minimize liability in a work injury case.

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