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Workers’ Compensation Insurance

Workers’ Compensation insurance provides wage replacement and medical benefits to employees who are injured in the course of their employment. The workers relinquish their right to sue the employer for negligence. In Arizona, the law requires employers to have workers compensation insurance. Owners, Officers and Executive generally may exclude themselves from workers compensation insurance which also excludes their payroll from being included in the premium calculations.

Workers compensation payments can be made weekly in place of wages, compensation for economic loss, reimbursement for medical expenses, and payments to dependents of workers killed during employment.

Workers compensation protects your business from loss when a worker or employee is injured or worse, killed, on the job or performing a job related duty. Morales Insurance Group LLC has the expertise to help you put the right workers compensation policy in place and to make sure you don’t pay for the policy. The way the policy is written can make a huge difference in the calculation of the rates for the policy.


Your business is important to you. Choose an insurance agency that cares about your commercial success and protection as much as you do.

We have access to dozens of carriers to get you the right policy at the best price.

Locally Owned
We live and work where you do and understand the market options available.

Our Commercial Lines Agent holds two designations in commercial insurance. He holds his Commercial Lines Coverage Specialist (CLCS) and Small Business Coverage Specialist (SBCS). This means you will be helped by an educated agent who cares about your business success.

Call Morales Insurance Group LLC today to get a free comparison quote and a review of your workers compensation coverage. CALL US TODAY (928) 276-4543


When the time comes, having the right commercial insurance coverage can make all the difference in the world for you and your business.