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Simple process. Affordable price. 70+ industries & growing.

Arizona Businesses We Cover with Workers’ Comp Insurance

Arizona Businesses We Cover with Workers' Comp Insurance

Food & Beverage

Bars, Bistros, Cafeterias/Buffets, Candy Stores, Caterers, Coffee Shops, Doughnut Shops, Fast Casual, Fast Food, Fine Dining, Health Supplement Stores, Juice Shops, Tea Houses, Taverns and Nightclubs

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Tech Services

Data Processing, Ecommerce, Hosting, Graphic Design, Network Installation/Repair, Office Machine Installation/Repair, Programming, Strategy & Management Consulting Services, and Software/Web Development (includes SOLOpreneuers!)

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Legal Services

Athlete/Actor/Entertainer Agents, Court Reporters, Lawyers & Attorneys at Law, Notaries and Transcription

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General Retail

Bakeries, Beer/Wine/Liquor Stores, Butcher/Meat Markets, Convenience Stores/Gas Stations, Discount Stores, Fish, Seafood, Fruit & Vegetable Markets, Grocery Stores, Laundromats, Pet Stores, Pharmacies/Drug Stores, Specialty Food Stores

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Educational Services

Computer Training, Cosmetology/Barber Schools, Exam Preparation/Tutoring, Fine Art Schools, Language Schools, Libraries/Archives, Management Training, Professional Training, & Translation/Interpretation Services

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Microbreweries (less than 15,000 barrels produced per year) & Wine Making (no growing or production of grapes/fruit)

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Personal Services

Barber Shops/Salons, Cemeteries/Mausoleums, Crematoriums, Funeral Homes, Interior Design, Pet Kennels/Groomers, Photography/Photofinishing, Gyms, Nail Salons, Self-Storage, Tanning Salons, Tattoo/Piercing, and Wedding/Event Planners

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Clothing Retail

Bridal Stores, Clothing Stores, Dry Cleaners, Formal Wear/Costume Rentals, Luggage & Leather Goods Stores, Shoe Retail/Repair, and Tailor Shops

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Personal Product Retail

Art Galleries/Stores, Auto Parts, Beauty/Cosmetics, Bike Stores, Bookstores, Camera/Photo Supplies, Cell Phone Retail/Repair, Computer Stores, Jewelry Stores, Musical Instruments, Sporting Goods , Tobacco/Vaping & Video Games

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Medical Professions

Blood Banks, Dental Labs, Dentists/Orthodontists, GP/Medical Specialists, Kidney Dialysis Centers, Medical Diagnostics & Testing, and Veterinarians

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Architecture & Engineering Services

Architects & Drafting, Engineering, Surveyors, & Window Treatment Stores (we do not cover construction contractors or trucking companies)

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Financial Services

Accounting, Auditors, Banks/Credit Unions, Bookkeeping, Collection Agencies, Financial Advisors/Trust Companies, Mortgage & Loan Brokers, Payroll Services, Tax Preparation, Title & Title Insurance

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Scientific Services

Scientific Research & Development/Consulting, Technical Consulting, & Environmental Consulting

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Office, Home, & Garden

Hearing Aid Stores, Hobby/Craft/Art Stores, Gift/Novelty Stores, Florists, Floor Covering Stores, Mailing/Packaging Stores, Models/Toy/Games, Office Supplies, Optical Stores, Paint/Wallpaper Stores, Perfume Stores, Plumbing & Taxidermists

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Therapeutic Services

Acupuncture, Chiropractors, Mental Health Practitioners, and Physical & Occupational Therapy

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Workers' Compensation for Arizona Businesses

Worker’s comp insurance for the gem of the American southwest.

Home to Grand Canyon National Park and the unique Petrified Forest and Mesa Verde National Parks, and it’s also known as the birthplace of chimichangas.

As if burritos aren’t delicious enough, they deep-fried them. Genius. Be sure to grab a snack to munch on as you drive I-19, the only US Interstate marked in kilometers instead of miles. Because that won’t throw you off! Grab a spare for the desolate, straight, long roads seen in movies, like in The Karate Kid as the LaRussos drive from New Jersey to California. Definitely chimichanga territory.

Manufacturing and copper mining are the largest revenue producing industries next to tourism and entertainment, and they turn to numerous small businesses providing support in equipment, professional services, exporting, medical and food services. In fact, 99.4% of all the state’s businesses are considered small businesses and employ 1 million Arizonans.

While Arizona is known for deserts and the 21 reservations welcoming visitors with learning opportunities and cultural performances, a surprising 24% is covered by forests. Head up to Flagstaff to view the famous Ponderosa pines. If you crave luxury spa treatments, head to Sedona. Experience the Wild West in old mine towns like Jerome, and walk in the footsteps of Wyatt Earp and Doc Holliday in Tombstone. Wherever you go, you’ll find the finest turquoise in the country, most of it set by artists and tribal artisans.

Small business opportunity is bountiful in the desert! Arizona is also the home state to Barry Goldwater, Frank Lloyd Wright’s studio, Superwoman Lynda Carter and gymnast Kerri Strug. Workers’ compensation insurance is legally required for all businesses with five or more payroll employees, and under this “no fault” system injured employees are entitled to compensation regardless of the circumstances of the incident. Beyond legal requirements, it’s just good business to protect your most valuable asset, your employees. Cerity, your trusted workers’ compensation partner for Arizona’s best small businesses.

Arizona Statistics*

*2017 business stats provided by the Bureau of Labor Statistics

1 million+

number of Arizonans employed by small businesses


number of workplace injuries


metric tons of Copper mined in AZ each year

$6 billion

economic impact of seasonal snowbirds


number of feet tall of the largest saguaro cactus

workers' compensation in Arizona

Explore commonly asked questions about business type, industry and state.

To put it simply, your business is covered. Just like that.In most cases, all of your employees are covered by workers' compensation insurance, including subcontractors (given they provide you a Certificate of Insurance). However, a Certificate of Insurance (COI) isn't a guarantee of coverage (policy may have cancelled since issuance). You should request periodic COIs throughout the contract.
Workers' compensation insurance provides all state required benefits, including reasonable and necessary medical treatment and wage replacement, for employees injured in the course and scope of employment.
In most states, it’s required for small business owners to obtain workers’ compensation coverage. In the event that an employee is injured in the course and scope of your employment, workers' compensation insurance protects you from costly lawsuits and provides state required compensation for the employee, including lost wages and medical expenses.
The estimated premium is based on estimated payroll (at the beginning of the policy). The final premium is based on actual payroll (at the end of the policy) for the policy period (usually 12 months). In the event your payroll changes, we'll work with you on adjusting your policy.
Yes, the workers' compensation policy covers all of your employees. Significant changes to your payroll should be reported to Cerity. This will help mitigate having a large additional premium due at the end of your policy period.
Cerity is a data-services company that is a licensed insurance producer that provides comprehensive workers' compensation insurance for American businesses. In less than five minutes, a small business owner can have a quote and can be protected as soon as the next day. In other words, your business is covered. Just like that. We are backed by Employers Holdings, Inc., a workers' comp industry veteran of over 100 years, EHI is reimagining how to purchase workers compensation insurance.
You do not need any documents to apply - we told you it was simple! All you need to obtain a quote is tell us a few quick things about your business and we should be able to get you a quote.