Workers' Comp Insurance for Trucking Businesses in Arizona

Local trucking (NCCI 7228) and long-distance (7229) are differentiated by operating radius. Owner-operators may be exempt as sole proprietors but most freight brokers require coverage. Loading and unloading drives most claims in Arizona. The Arizona workers' compensation market is governed by NCCI, and the average rate statewide is approximately $1.17 per $100 of payroll.

Arizona requirements for trucking businesses

When required: Required for any employer with at least one employee, regardless of hours.

Sole proprietors: Sole proprietors are exempt and cannot purchase coverage on themselves.

Owner / officer exclusion: Corporate officers who own at least 25% may elect out.

Trucking class codes used in Arizona

Why trucking workers' comp is tricky in Arizona

Trucking is heavily regulated and most carriers require strict driver qualification files. New ventures (under 3 years operating) have very limited markets. We can place new ventures and rough loss histories.

Tips for Arizona trucking companies

• ✓ Local vs long-haul = different rates; document operating radius
• ✓ Driver qualification files are required for renewal — keep them current
• ✓ Pay-as-you-go aligns premium with seasonal freight cycles
• ✓ Owner-operators may be exempt depending on state

Trucking workers' comp in other states

Rates and requirements for trucking companies vary widely by state. Compare Arizona to other major markets:

Other industries in Arizona

Arizona workers' comp rates and requirements for other common industries: