Monoline Workers Compensation · Arizona
Standalone Workers Comp Coverage for Almost Every Arizona Industry
Coverage available for most industries. Stay compliant with applicable laws and grow your business knowing that your employees are protected. Go Workers Comp shops multiple A-rated carriers to find the right fit and the right rate.
The problems most Arizona businesses run into
If any of these sound familiar, you're not alone — and you're almost certainly overpaying.
Stuck on the assigned risk plan
Arizona's state fund is the most expensive place to be. In most cases we can move you back into the standard market.
Renewal keeps climbing
If premium is up but nothing about your business changed, something in the account is wrong — class code, mod, or carrier appetite. We audit it.
Confused about class codes
Wrong class code equals wrong premium. We review class codes on every account we quote.
New in business
New ventures still need coverage. We work with carriers that write new-in-business accounts at fair rates.
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.
Multi-carrier marketplace shopping
Every workers comp quote we run goes to multiple carriers. You see options, not just one take-it-or-leave-it number.
Class-code and experience-mod review
Wrong class code equals wrong premium. Wrong mod equals wrong premium. We review both and file corrections when we find errors.
Assigned-risk exit strategy
We build a plan to move you off the state's assigned risk plan and back into the voluntary market as soon as loss history allows.
Same-day certificates when it counts
Job site needs a COI to let you start? Tell us — we'll turn it around same day whenever possible.
What you actually get when you work with Lucas Arizona Insurance
- Coverage for most Arizona industries
- Multi-carrier marketplace shopping
- Class-code and experience-mod audit
- Assigned-risk exit strategy
- Same-day certificates of insurance
- New-in-business accounts welcome
- Claims-friendly carriers for accounts with history
- Bundles with Pay As You Go and payroll
- Free consultation with a licensed Arizona broker
Send us your current policy — we'll shop it in 24 hours.
Even if we can't beat it, we'll tell you why. That's the honest version of insurance shopping.
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.