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 35 carriers who are eager to quote your insurance coverage. 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

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.

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.

Specialized Programs for Select Industries

We work with our national insurance partners to develop targeted programs with easier underwriting requirements and lower rates. We offer a broad range of business class codes that help streamline the quote process so you get the lowest price for coverage.

Knowing the Utah workers comp requirements can help lower the cost of coverage.

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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.

Experienced Experts

From ownership rules, class code reviews, to managing audits & claims, we've got your business covered.

Fast Quotes

Our technology matches your business with insurance companies most likely to offer the best deals.

Strong Relationship

We leverage our experience and relationships to negotiate your lowest workers' comp rates.

More Options

No carrier quotes every class code. That's why we've built a diverse group of great insurance companies.

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 known as Part 2 of the policy. It adds two additional coverages for employers:

Employers Legal Liability and Legal Defense Costs

In today's 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 known as Stop Gap Coverage.

Workers' Comp Covers UT Employers from Injury Related Expenses & Lawsuits
Employers liability insurance is included under a workers' comp policy in most states.
  • Employers liability coverage is not included in all monopolistic states.
  • All NCCI and most other states' coverage includes employers liability insurance.
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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