Small-business cover in Arizona.
In Arizona, workers’ comp is required at Required for all employers with one or more employees (full-time or part-time)[S]Arizona workers' compensation threshold. Arizona law requires workers' compensation coverage for all public and private employers with one or more employees. Most construction trades require an Arizona Registrar of Contractors (ROC) license and a license bond. Regulated by the Industrial Commission of Arizona and the Arizona Department of Insurance and Financial Institutions.
Updated 2026-05-16 · Beaconcover editorialWhat Arizona requires.
Required for all employers with one or more employees (full-time or part-time)[C]Arizona workers' compensation threshold
Arizona law requires workers' compensation coverage for all public and private employers with one or more employees. Most construction trades require an Arizona Registrar of Contractors (ROC) license and a license bond. Regulated by the Industrial Commission of Arizona and the Arizona Department of Insurance and Financial Institutions.
State licensing notes.
- ROC license + license bond required for most contracting work
- First-employee threshold simplifies small-employer planning