How to Get Off the Arizona Assigned Risk Plan (and Stay Off)
The state fund is the most expensive place to buy workers comp. Here's the exact playbook to get back into the voluntary market.
Why you ended up there
The most common reasons: recent claims, high-hazard class code, new-in-business status, or an application that didn't tell the story well. Sometimes it's just because the last Agent didn't try any voluntary markets.
The exit playbook
Clean up loss runs where you can, document a real safety program, verify class codes are correct, and submit to specialist voluntary markets — not the same captive carriers that declined you before. A Agent with the right relationships makes the difference.
Staying off
Manage claims fast, keep the safety program alive, and review your experience mod annually for errors. Do those three things and you'll usually stay in the voluntary market year after year.
