Do Arizona Contractors Need a Workers Comp Ghost Policy?
You just got a call from a general contractor. The job is yours — but before you can start, they need a certificate of insurance showing workers’ comp coverage. The problem? You work alone. No employees, no payroll, no crew. You’ve never needed workers’ comp before, and you’re not even sure the law requires it […]
What’s Covered in Your Workers Compensation Policy
Most people buy workers compensation insurance because they have to. Arizona law makes it mandatory the moment you hire even one employee — full-time, part-time, a family member, a seasonal worker. But knowing you’re required to carry it and actually understanding what you bought are two different things. If you’ve ever looked at your policy […]