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Workers’ compensation is a no-fault system that provides medical and disability benefits to employees with workplace injuries.
Workers’ compensation insurance is required for businesses that employ any number of part-time or full-time workers, with few exceptions.
Some workers may not be counted as employees under Utah law, such as:
Businesses with no employees may not be required to carry workers’ compensation insurance. For example, if a sole proprietorship, partnership or limited liability company has no employees, and the owners perform all work.
These types of workers are not automatically covered by the workers’ compensation system, but companies can choose to provide coverage for them.
Corporations can choose to exclude officers and directors from coverage, but the business must explicitly notify its workers’ compensation insurance carrier of these exemptions.
If an independent contractor has no employees, he/she may be eligible to request a workers’ compensation coverage waiver, which exempts them from carrying coverage.
Utah carries stiff penalties for non-compliance. In addition to fines and injunctions to prohibit business operations, the business can lose the “exclusive remedy” protection of the workers’ compensation law. This means the employer can be sued for damages by an injured employee.
Utah has relatively low workers’ compensation rates, compared to the rest of the country. Rates are set for each class code, or industry, and are calculated based on reported workplace injuries and relative risks associated with businesses in that class code.
The rate is multiplied by your payroll (per $100 in payroll), and individual credits or debits might be applied based on experience, claims history, recognized safety programs or other factors. Learn more about how workers’ compensation insurance premiums are calculated.
The best way to lower workers’ compensation costs is to encourage safe workplace practices and prevent employee injuries. The Utah Labor Commission provides free safety consultations for state businesses. Contact the Utah Safety and Health Consultation Program to take advantage of this service.
A Utah workers’ comp policy provides coverage only within state lines. If employees must leave the state for temporary work, the employer must get extra-territorial coverage to extend these protections. Some states offer reciprocal arrangements exist, which allows Utah employees to work in their state without purchasing coverage in that state.
The following states have reciprocity with Utah:
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To buy workers’ comp insurance in Utah, you must do one of the following:
The Workers’ Compensation Fund (WCF) is also the “insurer of last resort” for Utah employers, so it must provide coverage for any Utah employer. If you have been rejected by private insurance providers, contact WCF to request coverage.
Premiums vary based on business size, location, industry and claims history. Find out the average small business work comp premium and how much you might pay.
Workers’ compensation law can be confusing and complicated. This guide outlines what you need to know to buy work comp insurance.
How much for a small business policy? Read on for a step-by-step explanation, along with other factors at play in your final workers’ compensation quote.