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 editorialThe short answer: Business insurance in Arizona starts with workers' compensation, required at Required for all employers with one or more employees (full-time or part-time), plus the general liability that most clients and licenses ask for before you can take a job.
What does Arizona require?
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.
What licensing and bonding does Arizona require?
- ROC license + license bond required for most contracting work
- First-employee threshold simplifies small-employer planning