. "***PROS***\n* They offer Workers Compensation Insurance for employers in the state of AZ\n* They accept check or credit card payments\n* They respond quickly to emails\n***CONS***\n* Annual audit of your payroll records determine your annual fee\n* Statements demanding payment are issued when you have a CREDIT on file\n* Credit is eaten up when audit accesses you (surprise) owe twice as much as the year prior\n\nYes, I am now getting quotes from other companies for Workers Comp Insurance after years of being insured by SCF. I accidentally paid my bill twice, and after being reviewed/audited, it was determined by SCF that my fee had increased and I will receive only a $47.00 refund check (out of the extra $400 that I sent). \n\nFool me once...."^^ . "2013-05-14T00:00:00"^^ . "0"^^ . "2"^^ . . . "14"^^ . "5"^^ .