board of supervisors; membership

Plain English Breakdown

Checked against official source text during the last sync.

SB1428: Rules for Workers' Compensation Policies with Zero Estimated Exposure

This law sets new rules requiring specific signed statements and notifications when employers get workers' compensation insurance policies that report zero expected risk.

What This Bill 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 Names or 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

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.

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.

Official Summary Text

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

Current Bill Text

Chapter 0228 - 572R - H Ver of SB1428

House Engrossed
Senate Bill

board
of supervisors; membership

(now:� proof of
insurance; workers' compensation)

State of Arizona

Senate

Fifty-seventh Legislature

Second Regular Session

2026

CHAPTER 228

SENATE BILL 1428

AN
ACT

amending title 23, chapter 6, article 1,
arizona revised statutes, by adding section 23-911; relating to workers'
compensation.

(TEXT OF BILL BEGINS ON NEXT PAGE)

Be it enacted by the Legislature of the State of Arizona:

Section 1. Title 23, chapter 6, article 1,
Arizona Revised Statutes, is amended by adding section 23-911, to read:

START_STATUTE
23-911.

Workers' compensation; proof of insurance; public database;
notice; definition

A. If an insurer issues a zero
estimated exposure policy, the zero estimated exposure policy shall 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, as follows:

I attest that the information provided on this
application is current, true, correct, accurate and complete to the best of my
knowledge and belief. I further attest that I do not have any employees and an
estimated exposure of zero. If I employ an employee during the policy period, I
will provide written notification to my workers' compensation insurer of the
employment within sixty days and will include the estimated payroll and
classification codes of the new employee. I understand that an intent
to defraud or any omission or misrepresentation contained in this application
is unlawful.

B. If an employer that provides
business construction and improvement services obtains a zero estimated
exposure policy, the employer shall provide to each entity
with which the employer directly contracts a copy of the policy and
written notification that states that the employer has a total estimated
exposure of zero. An entity that receives written notice under this
subsection shall retain the notice and the policy for at least three years
after the date of receipt.

C. FOR ANY
construction-related
WORKERS' COMPENSATION POLICY WITH ZERO ESTIMATED EXPOSURE, ANY CERTIFICATE OF
INSURANCE REQUESTED SHALL CONTAIN THE FOLLOWING STATEMENT "TO CONFIRM THE
STATUS OF THE WORKERS' COMPENSATION POLICY, GO TO EWCCV.COM/CVS/".

D. For the purposes of this section,
"Zero estimated exposure policy" means an insurance policy that is
obtained by an employer to cover the employer's liability to pay compensation
after the employer reports a total estimated exposure of zero.
END_STATUTE

Sec. 2.
Applicability

Section 23-911, Arizona Revised
Statutes, as added by this act, applies to zero estimated exposure policies and
any related certificates of insurance that are entered into or prepared on or
after July 1, 2027.

APPROVED BY THE GOVERNOR JUNE 22, 2026.

FILED IN THE OFFICE OF THE SECRETARY OF STATE JUNE 22, 2026.