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Coverage that helps protect your employees and your business.
D&E Insurance Group helps Arizona businesses find workers’ compensation coverage based on their employees, payroll, classifications and operations.
Workers’ compensation insurance helps protect your employees and your business when work-related injuries or illnesses occur.
Every business is different. Your employees, payroll, job duties and operations can all affect how your workers’ compensation coverage is structured and priced.
D&E Insurance Group helps Arizona businesses review their workers’ compensation needs, understand employee classifications and explore coverage options from available insurance carriers.
Workers’ compensation can help protect employees and businesses when covered work-related injuries or illnesses occur.
Medical Expenses
Coverage may help pay for reasonable and necessary medical care related to a covered work-related injury or illness.
Lost Wages
Workers’ compensation may provide wage-replacement benefits when a covered employee is unable to work because of a qualifying work-related injury or illness.
Employer Protection
Workers’ compensation can also provide employers with protection against certain claims arising from covered employee injuries or illnesses.
Arizona businesses with employees generally need workers’ compensation coverage, but requirements can depend on how the business and its workforce are structured.
Contractors & Trades
General contractors
HVAC contractors
Electricians
Plumbers
Landscapers
Pool contractors
Service Businesses
Professional offices
Cleaning companies
Repair businesses
Property managers
Restaurants
Other service businesses
Retail & Other Employers
Retail businesses
Warehouses
Auto-related businesses
Property operations
Growing businesses
Other Arizona employers
Whether you have one employee or a growing workforce, D&E Insurance Group can help you review your business structure, employee duties and workers’ compensation coverage needs.
Workers’ compensation premiums are influenced by your payroll, the work your employees perform and how those employees are classified.
Different types of work can create very different exposures. An office employee, salesperson, electrician and construction worker may not be classified the same way for workers’ compensation purposes.
Accurate payroll estimates and employee classifications can help your policy better reflect your actual operations. Changes in payroll, job duties, employees or business operations should be reviewed during the policy term.
Many workers’ compensation policies are subject to a premium audit after the policy period. The audit compares estimated information with actual payroll and business activity and may result in an adjustment to the final premium.
D&E Insurance Group can help you review payroll, employee duties and classification information so your workers’ compensation program more accurately reflects your business.
Contractors often have unique workers’ compensation exposures because employees may work at different job sites and perform a variety of skilled trades.
Construction companies, electricians, plumbers, HVAC contractors, landscapers, pool contractors and other trades may have employees performing very different types of work. Properly describing those operations and employee duties is an important part of building a workers’ compensation program.
Contractors may also need to provide certificates of insurance, meet contract requirements or coordinate workers’ compensation with general liability, commercial auto, tools and equipment and umbrella coverage.
D&E Insurance Group can help review the different exposures within your contracting business and explore insurance options designed around your operations.
Workers’ compensation is an important part of a business insurance program, but it doesn’t replace other types of commercial coverage.
Customer Injuries & Property Damage
Claims involving injury to customers or damage to someone else’s property may fall under general liability rather than workers’ compensation.
Business Vehicles
Workers’ compensation doesn’t replace commercial auto coverage for eligible cars, trucks, vans and other vehicles used by your business.
Business Property & Equipment
Your building, business property, tools and equipment generally require separate property or equipment coverage.
A complete business insurance program may combine workers’ compensation with several other coverages based on your operations and exposures.
Common questions Arizona business owners ask about workers’ compensation insurance.
Is workers’ compensation insurance required in Arizona?
Arizona employers with employees are generally required to carry workers’ compensation insurance. Because requirements can depend on the business structure and employment situation, it is important to review your specific circumstances.
How is workers’ compensation insurance priced?
Workers’ compensation premiums can be affected by factors such as payroll, employee classifications, the type of work performed, claims history and other underwriting considerations.
What are workers’ compensation class codes?
Class codes are used to categorize employees based on the work they perform and the exposures associated with those duties. Accurate classifications are important because different types of work can have significantly different workers’ compensation rates.
What happens during a workers’ compensation audit?
Many workers’ compensation policies are audited after the policy period. The insurer may review actual payroll, employee classifications and business operations and compare them with the estimates used when the policy was issued. The final premium may then be adjusted.
Do independent contractors need workers’ compensation coverage?
Whether someone is considered an employee or an independent contractor can depend on the circumstances and applicable law. Businesses should not assume that simply calling someone an independent contractor eliminates workers’ compensation considerations. Your specific situation should be reviewed carefully.
Can D&E Insurance Group help review payroll and employee classifications?
Yes. D&E Insurance Group can help you review payroll estimates, employee duties and classification information as part of the workers’ compensation insurance process.