
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.