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Who is covered by workers’ compensation?

In Arizona, nearly all employees are covered by workers’ compensation. Workers’ compensation provides benefits for injuries or illnesses that arose out of employment. Employers that hire workers are required to carry workers’ comp insurance regardless of how many employees they have and regardless of their part-time or full-time status. A few exceptions exist to that rule:

  • Workers’ comp is not required for independent contractors.
  • Sole proprietors with employees are not required to have workers’ comp insurance for themselves.
  • Workers’ comp is not required for those whose employment is casual and not in the usual business of the employer.

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