Arizona state law requires all businesses with employees, full-time or part-time, to carry workers’ compensation insurance. Some coverage exceptions include independent contractors, casual or occasional workers, and domestic workers who are only employed in a home.
All business-owned vehicles in Arizona must be covered by commercial auto insurance. Arizona requires $15,000 bodily injury liability per person, $30,000 bodily injury liability per accident, and $10,000 property damage liability per accident.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.