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Arizona · workers’ compensation
Licensed in Arizona. What the state asks of every trade.
The Registrar of Contractors licenses the trades, a statutory bond is required for the license, and workers’ comp starts with the first employee. Here are the three facts every Arizona contractor shares, with sources, and the page for your trade.
The ROC, the bond, and the workers’ comp trigger, sourced- One page per fact, shared by every trade
- Licensed to place coverage and bonds in Arizona
Prefer to talk? Call +1 802-GOT-RIZA · Sun to Sat, 8am to 8pm ET
What does Arizona require of a licensed contractor, whatever the trade?
Three things, and they are the same for a plumber, an HVAC contractor, and an electrician. The Registrar of Contractors licenses the work under classifications that follow the trade and its scope. A statutory contractor license bond is required for the license, sized by license type and contemplated volume from the ROC table, and it protects the public rather than the contractor. Workers’ compensation is required with the first employee under A.R.S. §23-902. General liability, auto, and tools work the way they do everywhere; the trade pages say what each trade adds.
How workers’ comp works for any business→Markets we place through.
The three Arizona facts.
What every licensed trade in Arizona shares, each with its source below.
Workers’ comp in Arizona.
Arizona requires it with the first employee. Whether a helper counts depends on the facts, which we review with you.
Alabama
Generally required once an Alabama employer has 5 or more employees.
We confirm what applies when you start.
Alaska
Generally required in Alaska with 1 or more employees.
We confirm what applies when you start.
Arizona
Generally required in Arizona with 1 or more employees.
We confirm what applies when you start.
Arkansas
Generally required in Arkansas with 3 or more employees.
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California
Generally required in California with 1 or more employees.
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Colorado
Generally required in Colorado with 1 or more employees.
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Connecticut
Generally required in Connecticut with 1 or more employees.
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Delaware
Generally required in Delaware with 1 or more employees.
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Florida
Generally required in Florida with 4 or more non-construction employees, or 1 or more construction employees.
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Georgia
Generally required in Georgia with 3 or more employees.
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Hawaii
Generally required in Hawaii with 1 or more employees.
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Idaho
Generally required in Idaho with 1 or more employees.
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Illinois
Generally required in Illinois with 1 or more employees.
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Indiana
Generally required in Indiana with 1 or more employees.
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Iowa
Generally required in Iowa with 1 or more employees.
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Kansas
Generally required in Kansas when annual gross payroll exceeds $20,000.
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Kentucky
Generally required in Kentucky with 1 or more employees.
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Louisiana
Generally required in Louisiana with 1 or more employees.
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Maine
Generally required in Maine with 1 or more employees.
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Maryland
Generally required in Maryland with 1 or more employees.
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Massachusetts
Generally required in Massachusetts with 1 or more employees.
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Michigan
Michigan generally requires coverage for employers with 3 or more employees, or 1 employee working at least 35 hours a week for 13 weeks or longer.
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Minnesota
Generally required in Minnesota with 1 or more employees.
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Mississippi
Generally required in Mississippi with 5 or more regular employees.
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Missouri
Generally required in Missouri with 5 or more employees, or 1 or more employees for a construction business.
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Montana
Generally required in Montana with 1 or more employees.
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Nebraska
Generally required in Nebraska with 1 or more employees.
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Nevada
Generally required in Nevada with 1 or more employees.
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New Hampshire
Generally required in New Hampshire with 1 or more employees.
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New Jersey
Generally required in New Jersey with 1 or more employees.
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New Mexico
Generally required in New Mexico with 3 or more employees; construction employers generally need coverage with 1 or more.
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New York
Virtually all New York employers must provide coverage when they have 1 or more employees.
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North Carolina
Generally required in North Carolina with 3 or more employees.
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North Dakota
Generally required in North Dakota before employing 1 or more employees.
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Ohio
Generally required in Ohio with 1 or more employees.
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Oklahoma
Generally required in Oklahoma with 1 or more employees.
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Oregon
Generally required in Oregon with 1 or more employees.
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Pennsylvania
Generally required in Pennsylvania with 1 or more employees.
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Rhode Island
Generally required in Rhode Island with 4 or more employees.
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South Carolina
Generally required in South Carolina with 4 or more regular employees.
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South Dakota
South Dakota does not generally require private employers to carry workers’ compensation coverage.
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Tennessee
Generally required in Tennessee with 5 or more employees; construction and coal-mining employers generally need coverage with 1 or more.
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Texas
Most Texas private employers can choose whether to carry workers’ compensation coverage.
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Utah
Generally required in Utah with 1 or more employees.
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Vermont
Generally required in Vermont with 1 or more employees.
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Virginia
Generally required in Virginia when an employer regularly has more than 2 employees.
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Washington
Generally required in Washington with 1 or more employees.
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West Virginia
Generally required in West Virginia with 1 or more employees.
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Wisconsin
Wisconsin generally requires coverage at 3 or more employees, or after paying $500 or more in combined gross wages in a calendar quarter.
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Wyoming
Generally required in Wyoming for employees working in covered industries.
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District of Columbia
Generally required in Washington, DC with 1 or more employees.
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What changes the answer in Arizona.
Four things an Arizona contractor brings that a contractor elsewhere does not.
The classification follows the trade. It tells us what work to quote and what the underwriter will ask, and your trade’s page lists the classes side by side.
Set by license type and contemplated volume from the ROC table, the same table for every trade. Placed alongside the coverage, not instead of it.
The first employee triggers workers’ comp. The facts decide who counts, not the title on the invoice.
Arizona licensing applies to Arizona work. Crews crossing state lines raise their own questions.
Riza’s read
How we handle it.
We are licensed to place coverage in Arizona, personally and as an agency. Before a quote we confirm your ROC class against the record, match your bond tier to the table, and check the workers’ comp trigger against how your crew is actually paid. The facts on this page are read from the ROC and the statute on the dates shown in the sources, not typed from memory.
We do not tell you which class to hold, we do not interpret the statute for your situation beyond what it plainly says, and we do not have an office in Arizona. We place the coverage and the bond from where we are, and we answer the phone.
Arizona guides.
The facts every trade shares, one page each.
Arizona, by trade.
What your trade adds on top of the three facts: the classes, the work, and the coverage.
Trade
Plumbing in Arizona→ROC plumbing classifications, the bond, and workers’ comp, in a plumber’s words.Trade
HVAC in Arizona→ROC air conditioning and refrigeration classes, the bond, and workers’ comp, for HVAC shops.Trade
Electrical in Arizona→ROC electrical classes, the bond, and workers’ comp, for electrical contractors.Sources.
- 01License classificationsArizona Registrar of Contractors · captured 2026-09-12↗
- 02Bond information (bond limits and regulations)Arizona Registrar of Contractors · captured 2026-07-26↗
- 03Before you hire a contractor (licensed, bonded and insured)Arizona Registrar of Contractors · captured 2026-08-27↗
- 04A.R.S. §32-1152 · Bond or cash deposit requirementsArizona Legislature · captured 2026-09-10↗
- 05A.R.S. §23-902 · Employers subject to workers’ compensationArizona Legislature · captured 2026-09-10↗
Plain answers before the next job.
What Arizona contractors ask, whatever the trade.
Does the Registrar of Contractors require insurance to get licensed?
Not general liability. The ROC’s own guidance to consumers says that, apart from workers’ compensation, it does not require a contractor to carry insurance to be licensed. What it requires is the statutory contractor license bond, sized by license type and contemplated volume from its table. General liability is required by almost every general contractor, property owner, and landlord you work for, and most licensed contractors carry it for that reason, but that is a contract requirement, not a license requirement. What changes the answer is who you work for, so read the insurance exhibit before the bid.
Is the license bond the same as insurance?
No. The contractor license bond protects the public: when a licensed contractor fails to perform or pay what the license law requires, a claim can be paid from the bond, and the contractor then owes the surety what it paid. It is a guarantee to the people you work for, not a policy for you. General liability is the policy that responds when your work damages someone else’s property or injures someone. Both are placed through Riza and both come up at renewal, but they answer different questions. What changes the answer is nothing; every Arizona trade carries both for different reasons.
Is the bond amount different for a plumber and an electrician?
Not by trade. The ROC table sets the bond by license type, residential or commercial, specialty or general, and by contemplated annual volume, so a residential specialty plumber and a residential specialty electrician at the same volume carry the same bond. What differs by trade is the classification and its scope, which is why each trade has its own classifications page under this one. What changes the answer is your license type and your volume, and the bond guide on this page reads both from the current table.
Do I need workers’ comp with one helper?
Under A.R.S. §23-902, workers’ compensation is required for any business that regularly employs workers, and the statute looks at the facts of the working relationship rather than the title on the invoice. A helper who works your schedule, uses your tools, and is paid by you is usually an employee for this purpose, and a written independent contractor agreement is treated as rebuttable rather than final. What changes the answer is how the helper actually works, so we review that with you before the quote rather than after a claim.
Can Riza place coverage and bonds in Arizona?
Yes. Riza is licensed in Arizona as an agency and personally, and places both the coverage and the contractor license bond from where we are. We do not have an Arizona office and do not claim one; we answer the phone, read the ROC record and the statute, and place the program through the markets on this page. What changes the answer is nothing about your trade, since the license, the bond, and the placement work the same way for every classification the ROC issues.
Which page is for my trade?
This page carries the three facts every Arizona contractor shares. Your trade’s Arizona page carries what your trade adds: the ROC classifications for the work, the operations the underwriter asks about, and the coverage in your trade’s words. Plumbing is live, and the other trades follow on the same template as they publish. If your trade is not listed yet, the three facts here still apply, and the quote path works for any licensed classification. What changes the answer is the trade, so pick it below and the rest of the site follows.
Licensed in Arizona? Start here.
Arizona rules, national coverage, one broker, for every trade.
Prefer to talk? Call +1 802-GOT-RIZA · Sun to Sat, 8am to 8pm ET