How does workers' comp work in Utah?

Utah is currently one of the cheapest states in the country to purchase Workers' Compensation Insurance. These rates are low partially because of the fact Utah has a Workers Compensation Fund (WCF) who controls 57 percent of the insurance market in the state. The fund is able to control prices because the second biggest provider controls only 3 percent of the remaining market. This brings about immense competition and keeps prices low for Utah employers.

At Workers Compensation, we partner with more than 15 carriers who are eager to quote your policy. We have been writing insurance policies in Utah for more than a decade and we have hundreds of satisfied customers. Call today to speak with one of our Workers Comp Specialist's at 888-611-7467.

Workers' Comp Rules & Information for Utah

Utah State Insurance Directives Regarding Covid-19

The state of Utah has not passed any insurance laws related to Covid-19.

Discretionary order in effect from 03/13/2020 - further notice.

State Orders Regarding Insurance Claims Related to Coronavirus

No current state orders.

Labor Commission of Utah

Division of Industrial Accidents
160 East 300 South, 3rd Floor
PO Box 146610
Salt Lake City, UT 84114-6610

What is Workers' Compensation?

The basic purpose of the Workers’ Compensation is to provide wage replacement benefits and medical treatment for employees who have been injured or become ill due to a work-related injury or illness. It prevents the employer from bearing the costs of injuries that occur during normal business operations.

How does workers comp help my business?

for injuries that occur as a part of normal business operations. This applies whether the injury was the fault of the business or was caused by negligent actions of the employee. You can move forward with your business operations knowing that if one of your employees is injured because of something that happens as a normal part of your business operations, your business is not liable for the costs.

How does workers comp help my employee?

Employees benefit from workers comp coverage by having lost wages covered while they are hurt or sick and not able to work. It also pays for medical costs they might incur as a result of the sickness or injury.

Workers' Compensation Fund (WCF) of Utah

The WCF is a quasi governmental entity, which is required by law to provide workers' compensation insurance to any employer in the state of Utah upon payment of premium. The WCF controls 57 percent of the market place in the state of Utah. This is one of the main contributing factors for why Utah enjoys such low Workers Comp rates.

There are Over 600 Workers Comp Class Codes

One difficult part about getting Workers' Compensation Insurance is determining which class code your business falls under. In Utah this is even more difficult than most because Utah has more than 600 separate business classification codes. Our agents work primarily on Workers' Compensation Coverage. They know how to get your business classified, quickly and accurately.

More Programs and Options

We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.

  • Contractors
  • Home Health Care
  • Janitorial Services
  • Transportation
  • Hospitality
  • And More
Utah Work Comp Information

WCF dominates the market in Utah

The Workers Compensation Fund of Utah (WCF) has nearly 57% of the market share. Despite creating a near monopolistic system in the state of Utah, the volume does little to increase competition between carriers. The number two workers comp provider in Utah only has 3% market share in Utah.

Don't pay too much for you work comp rates in Utah. We partner with more than 15 carriers and can shop your rate and around to get your business complete coverage at rock bottom prices.

Let Workers Compensation help your business navigate workers comp insurance in Utah.

What Does Workers' Compensation Insurance Cover?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.
  • Loss of income for employees unable to perform job duties
  • Medical expenses for employees injured on the job
  • Retraining expenses for employees unable to return
  • Permanent injury or disability for lasting injuries
  • Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • Injuries resulting from a violation of the law
  • Incidents resulting from employees' use fo drugs or alcohol
  • Injuries that did not occur in connection with the job
  • Clear company policy violations
  • Injuries that did not occur in connection with the job

Workers' Comp Includes Employers Liability Insurance?

Employers liability insurance is an additional layer of coverage included as part of a workers' compensation insurance policy. Employers Liability is know as Part 2 of the policy. It adds two additional coverages for employers:

Employers Legal Liability and Legal Defense Costs

In todays world, there are a variety of reasons employees and third-parties sue employers for damages. Here a some common types covered by employers liability insurance:

Third Party Lawsuits

Your employee sues another party that may have contributed to the injury, In turn, the third party sues your business.

Consequential Bodily Injury

Another party or individual is injured while providing care for the injured employee.

Dual Capacity Legal Action

An employee files a claim but also attempts to sue the employer for being responsible in other ways outside of the employment relationship.

Loss of Consortium

A spouse sues for damages caused by the loss of companionship or relations.

Employers Liability coverage is not included with coverage in the four monopolistic states. Employers in these states can endorse this coverage onto their General Liability policy. That coverage is commonly know as Stop Gap Coverage.

Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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