High Hazard Industries · Arizona
Workers Comp for the Trades Other Brokers Say No To
Trucking, staffing agencies, framing, roofing companies, and more. Even if you're new in business, we work with several insurance companies and brokers to get your business the coverage it needs — at rates that make sense.
The problems most Arizona businesses run into
If any of these sound familiar, you're not alone — and you're almost certainly overpaying.
Every quote comes back sky-high
Standard-market carriers cherry-pick easy risks. High-hazard trades get sent to the state fund by default.
You're stuck on the assigned risk plan
The most expensive place to be. In most cases we can move you back into the voluntary market at a lower rate.
New in business — nobody will quote you
Most brokers won't shop new-in-business high-hazard accounts. We will, and we know the carriers that write them.
Prior claims are killing your premium
One bad year shouldn't define your account. We know the underwriters who look at claims history fairly.
Not sure if you're overpaying? Let's find out — free.
Send us your current policy and we'll shop the Arizona market. If we can't beat it, we'll tell you.
How we solve it
A broker works for you, not the carrier. Here's what that looks like in Arizona.
Specialist carriers for hard classes
We maintain relationships with the underwriters and MGAs that actually want high-hazard business — not just the mainstream markets that say no.
Assigned-risk exit plan
We chart the specific steps to get you off the state fund — accurate class codes, safety documentation, and claim improvement.
Class-code and mod audit
In high-hazard trades, a single wrong digit in a class code can double premium. We check every account.
Pay As You Go for cash-flow relief
Even in high-hazard classes, Pay As You Go smooths premium into payroll instead of a giant deposit.
What you actually get when you work with Lucas Arizona Insurance
- Coverage for trucking, roofing, framing, staffing, and more
- New-in-business accounts welcome
- Claims-friendly markets for accounts with history
- Class-code and experience-mod audit
- Assigned-risk exit strategy
- Pay As You Go option where available
- Same-day COIs to keep jobs moving
- Safety-program guidance to lower future premium
- Licensed Arizona broker who understands the trades
Called a hard risk? We call it Tuesday.
Send us your loss runs and current policy — we'll tell you exactly what the market will do.
Get a Free Arizona Workers' Comp Quote Today
Talk to a licensed Arizona broker. No pressure, no obligation — just a better policy at a better rate.
Frequently Asked Questions
Straight answers from a licensed Arizona insurance broker.
Related coverage for Arizona businesses
Most of our clients bundle two or three of these. It usually saves money.