Why Is Workers Compensation So Important?

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It protects you as the employee- the worker- if you are injured on the job.

It protects you, as a homeowner, when someone comes to your residence and performs any type of work for which they are compensated financially. 

Tip: Ask for a certificate of insurance before letting anyone on your roof, cutting your trees or cleaning your pool.  If a worker gets hurt while at your residence, their workers compensation insurance is primary.  If they have NO workers compensation, you may be sued.  Your homeowners insurance in the state of Arizona will NOT cover the workers injuries.

Since Workers Compensation is MANDATORY in the state of Arizona, when an employer has one or more W-2 employees, this insurance protects the business owner when their workers are injured on the job.

If an employer does NOT have workers compensation and the employee is injured on the job, the worker can file a civil lawsuit against their employer.  The Special Fund Division of Arizona will pay for the injuries of the worker and charge the business owner the medical costs incurred plus a 10% penalty or $1000, whichever is greater.

The first offense is a civil penalty of $1,000 and a Class 6 felony.

The second offense is a civil penalty of $5,000 and a Class 6 felony.

The third offense is a civil penalty of $10,000 and a Class 6 felony.

These penalties can be fined within 5 years of NOT having workers compensation insurance, even if NO claims have been filed.

If you are an employee and you are injured on the job, contact your human resource department or your manager to file a workers compensation claim.

Always make sure you protect yourself and the ones you love.


Julie Jakubek, MBA   4650 E Thomas Rd Phoenix, AZ 85018  480-949-5670   www.JulieJakubek.com


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Julie Jakubek, MBA has owned her Allstate Insurance agency for 20 years. Julie is an almost native of Arizona, long-time Tempe resident, and Xavier College Preparatory alumni. She earned her Bachelor’s degree from NAU. Julie then earned her MBA at Pepperdine University. In 2014, she moved her agency from Scottsdale to Phoenix, where she purchased a free standing, mid-century modern building in the Arcadia area. Please stop by and visit at 4650 East Thomas Road (the corner of 47th St and Thomas) in Phoenix. Community and giving back is essential to Julie, so she donates her time, talent and treasures. Julie’s passion is teaching financial literacy and money management. She currently facilitates an eight week class called “Moving Ahead Through Financial Management” at Fresh Start Women’s Foundation. Julie believes in the mission of Arizona Council of Economic Education (ACEE), an organization that helps educators teach their children about finance and the economy. She has been on their board of directors for the past eight years. Julie is also a member of the Greater Phoenix Chamber of Commerce, the Tempe Chamber of Commerce, the Scottsdale Chamber of Commerce and the Better Business Bureau. Julie supports several other local nonprofits, including: New Leaf, United Food Band, St. Mary’s Food Bank and St. Vincent de Paul, to help underprivileged citizens that have fallen on hard times. Julie is currently on the state board of directors for the National Association of Insurance and Financial Advisors (NAIFA- Arizona). She has received many awards including Business Women of the Year for the Tempe Chamber of Commerce. Allstate accolades are numerous including #1 agent in AZ in 2009 and #3 agent in the entire country that year. Julie’s office culture focuses on taking care of people. It is evident when you meet Julie and her staff that they are friendly, helpful and knowledgeable. Every day as an Allstate Personal Financial Representative Julie’s work is different, interesting and sometimes challenging. She has made it a goal to learn something new every day, even with 20 years in business. Julie truly enjoys helping people and assisting them in choosing the protection that best fits their life. Julie says, “My favorite part of my career is empowering my team, my community and our customers to make great decisions to positively impact their future.”
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