This amendment requires employers with zero-employee workers' compensation policies to sign a statement confirming they have no staff and sets new rules for sharing proof of insurance in the construction industry.
SB1428
SB1428: Rules for Workers' Compensation Policies with Zero Estimated Exposure
In one sentence
This law sets new rules requiring specific signed statements and notifications when employers get workers' compensation insurance policies that report zero expected risk.
What it does
- Requires applicants to sign a statement confirming they have no employees, accurate information, and an estimated exposure of zero before getting such a policy.
- Mandates that construction service providers share their zero-exposure policy copy and written notice with any company they directly contract with.
- Orders companies receiving these notices to keep the documents for at least three years after receipt.
- Requires certificates of insurance for construction projects to include a specific website link (ewccv.com/cvs/) to confirm the policy status.
- Defines what counts as a zero estimated exposure policy in state law.
Who it affects
- Insurers who issue workers' compensation policies
- Employers, especially those providing business construction and improvement services
- Contracted entities that work with employers holding these specific insurance policies
Limits and unknowns
- These rules only apply to policies or certificates created on or after July 1, 2027.
- The law does not specify penalties for failing to follow these new requirements in the provided text.
Plain language
Terms to know
- Zero estimated exposure policy
- An insurance policy an employer buys after reporting they have zero expected risk or employees.
- Attestation statement
- A signed declaration by the applicant confirming their application information is true and that they currently have no employees.
Official record
Sources
Official summary
SB1428 - 572R - Senate Fact Sheet Originally assigned to GOV����������������������������������������������������������������������������������������� AS PASSED BY HOUSE Now FIN-related ���������������������������������������������������������������������������������������������������������������������������������������������������� ARIZONA STATE SENATE Fifty-Seventh Legislature, Second Regular Session AMENDED FACT SHEET FOR S.B. 1428 board of supervisors; membership ( NOW: proof of insurance; workers' compensation ) As passed by the Senate, S.B. 1428 increased the size of a county board of supervisors in counties with a population between 1,000,000 and 3,000,000 persons to seven members and a population of more than 3,000,000 persons to nine members. The House of Representatives adopted a strike-everything amendment that does the following: Purpose Establishes requirements for insurers and employers relating to workers' compensation zero estimated exposure policies. Background The Industrial Commission of Arizona is the state regulatory agency responsible for processing and adjudicating workers' compensation claims. All employers must secure workers' compensation for their employees in a manner prescribed by statute. Employees may receive workers� compensation benefits, including medical treatment and lost wages, as a result of injuries or death caused by an accident arising out of and in the course of employment. The compensation received by the employee or the employee's dependents is determined by the employee's average monthly wage at the time of the injury ( A.R.S. Title 23, Chapter 6 ). There is no anticipated fiscal impact to the state General Fund associated with this legislation. Provisions 1. Requires, if an insurer issues a zero estimated exposure policy, the zero estimated exposure policy to include a statement signed by the applicant that attests to the accuracy of the information provided in the application and that the applicant has no employees and an estimated exposure of zero. 2. Prescribes an attestation statement for an insurer that issues a zero estimated exposure policy. 3. Requires an employer that provides business construction and improvement services and obtains a zero estimated exposure policy to provide each contracted entity a copy of the policy and written notification that states that the employer has a total estimated exposure of zero. 4. Requires a contracted entity that receives a written notice from an employer to retain the notice and the policy for at least three years after receipt. 5. Requires a requested certificate of insurance, for a construction-related workers' compensation policy with zero estimated exposure, to contain a prescribed statement relating to confirming the status of the policy. 6. Defines zero estimated exposure policy as an insurance policy obtained by an employer to cover the employer's liability to pay compensation after the employer reports a total estimated exposure of zero. 7. Applies the regulations relating to zero estimated exposure policy for workers' compensation to any related certificates of insurance entered into or prepared on or after July 1, 2027. 8. Becomes effective on the general effective date. Amendments Adopted by the House of Representatives � Adopted the strike-everything amendment relating to workers' compensation zero estimated exposure policies. House Action APPROP�������� 3/31/26����� DPA/SE��� 17-0-0-2 3 rd Read��������� 6/12/26����������������������� 56-0-4 Prepared by Senate Research June 12, 2026 MG/hk
Official activity
Bill history
- Governor signedSenate
- Senate passedSenate
- Senate passedSenate
- Transmitted to SenateSenate
- House third read passedHouse
- House committee of the wholeHouse
- House committee of the wholeHouse
- House minority caucusHouse
- House majority caucusHouse
- House second readHouse
- House Rules: C&PHouse
- House Appropriations: DPA/SEHouse
- House Government: W/DHouse
- House first readHouse
- Transmitted to HouseHouse
- Senate third read passedSenate
- Senate committee of the wholeSenate
- Senate minority caucusSenate
- Senate majority caucusSenate
- Senate consent calendarSenate
Changes
Amendments
3 stored
This amendment requires employers with zero-employee workers' compensation policies to sign a statement confirming they have no staff and sets new rules for sharing proof of insurance in the construction industry.
This amendment removes a condition that would have delayed part of the law and adds new rules requiring employers with zero-employee insurance policies to sign an honesty statement, notify clients in construction work, and include a website link on their certificates.