Small-business cover in Arizona.
Workers’ comp threshold in Arizona: Required for all employers with one or more employees (full-time or part-time)[S].
Updated 2026-05-16 · Beaconcover editorialThe short answer: In Arizona, workers' compensation is required for all employers with one or more employees (full-time or part-time). Most clients and licenses also ask for general liability 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 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