PROSPECTIVE CUSTOMERS

The SCF Advantage

SCF Arizona is the state’s leading provider of workers’ compensation insurance. Founded in 1925, SCF Arizona has more than 56,000 policyholders, covering 70 percent of all businesses working in Arizona. As a leading advocate of workplace safety, SCF is proactive in helping to keep Arizona’s workers' compensation rates among the lowest in the nation. SCF covers only businesses operating in Arizona and has offices in Flagstaff, Lake Havasu City, Phoenix, Prescott, Show Low, Tucson and Yuma.

• Learn how to obtain insurance with SCF Arizona
• Find answers to frequently asked questions
• Access SCF publications, brochures and other resources


At SCF, we want to reward our policyholders for their good safety records; we do this through the payment of dividends. Policyholders are eligible to earn an individual dividend based on the success of their safety efforts. SCF also provides an opportunity for policyholders to earn a “bonus” safety dividend through participation in the Association Safety Program.

The ASP provides opportunity for SCF policyholders who are members of participating trade and business associations to earn additional “bonus” dividends based on the safety success of the association to which they belong. Since 1970 when the ASP program was created, policyholders have earned more than $1 billion in individual and bonus dividends.

While dividends cannot be guaranteed, SCF has paid dividends to our policyholders every year since 1970. Click here for more information about the ASP.

Dividends information
Just as safety is essential to the workplace, consistency is important when it comes to dividends.  While no workers’ compensation insurance carrier can guarantee dividends, we have paid individual dividends to our policyholders every year for three decades. Click here for more information.

For more information about SCF Arizona, click here.