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    • Assisted Living/Elder Care
    • Coverage for Your BusinessImage of right arrow
      • Bonds
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      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Real Estate Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Cyber Liability Insurance
      • Equipment Insurance
      • Errors and Omissions Insurance
      • Extortion Insurance
      • Fidelity Bonds
      • Leave Management
      • Loss Control Insurance
      • Inland Marine Insurance
      • Kidnapping Insurance
      • Marine Insurance
      • Mechanical Breakdown Insurance
      • Office Insurance
      • Product Liability Insurance
      • Professional Liability
      • Ransom Insurance
      • Shipping Insurance
      • Small Business Insurance
      • Small Business Liability Insurance
      • Storage Insurance
      • Surety Bonds
      • Technology Insurance
      • Trailer Insurance
      • Transportation Insurance
      • Trucking Insurance and Semi Truck Insurance
      • Workers Compensation
      • Van Insurance
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Insurance for Arborists
      • Bar Insurance
      • Box Truck Insurance
      • Builders Risk Insurance
      • Car Dealership Insurance
      • Cargo Insurance and Freight Insurance
      • Catering Insurance
      • Cleaning Business Insurance
      • Construction Insurance
      • Consulting Firm Insurance
      • Contractors Insurance
      • Specialty Trade Contractors Insurance
      • Craft Brewery Insurance
      • Dental Practice Insurance
      • Dump Truck Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Food Truck Insurance
      • Fleet Insurance
      • Handyman Insurance
      • Garage Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • Law Firm Insurance
      • Life Science Insurance
      • Limousine Services Insurance
      • Liquor Liability Insurance
      • Livestock Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Marijuana Insurance
      • Maritime Employers Insurance
      • Media & Advertising Insurance
      • Medical Malpractice Insurance
      • Minibus Insurance
      • Non Profit Insurance
      • Nursing Home Insurance
      • Nursing Insurance
      • Orthotics & Prosthetics Insurance
      • Personal Trainer Insurance
      • Petroleum/Energy
      • Pharmacist Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Railroad Contractors Insurance
      • Real Estate Businesses Insurance
      • Retail Insurance
      • School Bus Contractors Insurance
      • Scrap Metal Insurance
      • Security Guards Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
      • Snow Plow Insurance
      • Specialized Truck Equipment Insurance
      • Technology Services Insurance
      • Tractor Insurance
      • Tow Trucks Insurance
      • Uber Insurance
      • Water Well Drillers Insurance
      • Veterinary Insurance
    • Coverage for Your EmployeesImage of right arrow
      • Small Business Retirement Plans
      • Employer-Sponsored Retirement
      • Group Benefits
      • Group Disability Insurance
      • Voluntary Benefits
      • Retiree Health Coverage
      • Group Health Insurance
      • Disability Insurance
      • Workers Compensation
      • Individual Life Insurance
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      • Comprehensive Coverage
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      • Diminishing Deductible
      • Accident Forgiveness
      • Minor Violation Forgiveness
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      • Specialty Auto Insurance
      • 24-Hour Customer Service
      • Towing
      • Rental Reimbursement
      • Personal Injury Protection (PIP)
      • Medical Payments Coverage
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      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
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      • In-Home Business Insurance
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      • Farm Owners Insurance
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Home > Commercial-Products > Coverage-For-Your-Business > Workers Compensation - Phoenix AZ & Mesa AZ, LLC

Workers Compensation in Phoenix, AZ and the surrounding metro area

 

Workers Compensation Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


Workers Compensation Quote

Workers Compensation Insurance Information

Keep Your Employees Protected.

Accidents are inevitable in the workplace, but with the proper precautions in place, your business will be able to mitigate many risks. One way to minimize your risk is to have workers’ compensation insurance. This policy coverage can help your employees recover from work-related illness or injury as well as help you if there’s a related claim filed against your business.  

Ask a Horizon Insurance Agency agent for assistance to get started with your coverage.  

What Does Workers’ Compensation Insurance Cover?  
There are typically four types of benefits offered through workers’ compensation insurance.  

Medical Benefits  
If an employee sustains a work-related illness or injury, workers’ compensation insurance may help pay for medical treatment. Workers’ compensation insurance may help cover the following costs:  

  • Doctor appointments

  • Hospital and emergency room visits

  • Medications


Always check with your provider to see what’s covered under your policy. Policy coverage may vary. 

Wage-Loss Benefits 
When an employee is unable to work due to work-related injury or illness, workers’ compensation insurance typically provides the following wage-loss benefits:  

  • Temporary total disability—The injured employee is unable to work for a certain amount of time but will return to work. States have different rules on waiting periods for when benefits start.

  • Temporary partial disability—The employee can work at a reduced capacity due to physical limitations without needing time off.

  • Permanent total disability—The employee is unable to work and unable to return to their previous role.

  • Permanent partial disability—The employee can return to work, but they cannot work at the same capacity as before the injury.


Individual states have unique wage-loss limits. Workers’ compensation insurance wage-loss benefits can help the employee supplement lost income until they’re able to return to work in full capacity or until the employee hits the wage-loss benefit limit.  

Vocational Rehabilitation Benefits 
Workers’ compensation may provide an employee with vocational rehabilitation benefits to help them return to a job compatible with their physician-issued work restrictions. Vocational therapy can help employees learn new skills and return to work in a new position if they cannot perform their previous role after being injured.  

Death/Dependent Benefits 
An employee could lose their life due to work-related injury or illness. Workers’ compensation benefits may help cover funeral expenses and lost income up to a specific limit. In most cases, these benefits go to the spouse or dependents of the deceased.  

How Much Does Workers’ Compensation Insurance Cost?  
The cost of workers’ compensation policies varies based on your business and the type of work performed. The following factors can also impact the price of your workers’ compensation policy: 

  • Annual payroll

  • Industry class code

  • Experience modification factor

  • Location


Your insurance agent at Horizon Insurance Agency can review your business’ claims history and how selected coverage limits can impact the price of your workers’ compensation policy. 

Contact Us Today 
At Horizon Insurance Agency, we’re ready to help you navigate workers’ compensation for your business. Contact one of our agents today to get started. 

Contact Us Today!
602-992-9750

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7500 N Dreamy Draw Dr
Ste 100
Phoenix, AZ 85020

Phone: 602-992-9750 | Toll-Free: 800-328-6770 | Fx: 602-992-9775
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