Workers' Compensation

Under Arizona law, workers’ compensation insurance is required by all employers in Arizona.  These laws are put into place to provide employees with prompt medical treatment and financial compensation in the event they were to suffer a workplace injury or illness. These injuries can include anything from a back injury from lifting heavy boxes, to an illness from breathing airborne chemicals. Worker’s compensation is a “no fault” system meaning employees are entitled to benefits regardless of who causes a job-related incident. In return for providing this coverage to employees, employers are protected from a lawsuit associated with such an injury or illness.

Workers’ compensation benefits can offer coverage for:

  • Lost income
  • Medical care related to the injury or illness incurred
  • Death benefits
  • Vocational rehabilitation
  • Permanent injury compensation

While most job-related incidents are covered, there can be some that would not qualify for workers’ compensation. These can be injuries caused by employee intoxication, injuries resulting from horseplay, or self-inflicted injuries. Similarly, employers may not be protected from lawsuits if an employee is injured due to the employer’s negligence or reckless actions.

Your workers’ compensation policy may potentially impact your employee’s lives so it is important to fully review and understand all requirements and available coverage. With workers’ compensation insurance being state regulated, benefits and premiums vary state to state. The process of evaluating an insurance policy or collection of policies can often be a difficult task for an employer to tackle on their own.

Being a local agent in Glendale, Bivona Insurance Group LLC understands all requirements and coverages needed for businesses throughout Arizona. We are committed to working closely with each and every client to understand their business and insurance needs. This allows us to determine the best workers’ compensation solution for their business as well as their employees.

Contact Bivona Insurance Group LLC at (623)-256-1000 for more information on workers’ compensation insurance requirements and coverage for businesses in Glendale and Peoria!

Click here for a free workers' comp quote