What to Know
You are required to carry workers' compensation insurance in Utah if:
- You have any employees working in Utah, whether full-time or part-time.
- You’re a sole proprietor or a partner hiring someone who’s not an employee. In cases of contracting, Utah requires you or the general contractor to provide a workers' compensation insurance policy for workers. Employee or independent contractor? 10 ways to tell >>
Other regulations that may affect you:
- Workers' compensation insurance covers wage replacement and medical bills for employees injured on the job. To protect against other injuries at your place of business, you may need general liability insurance. Learn more about general liability >>
Where to Get It
- Utah has a private market, meaning that you can purchase workers' compensation insurance from any private insurance carrier or agency that is licensed to write in that state. WorkCompOne can write workers' compensation policies in any U.S. state except those that practice state-run workers' compensation (Ohio, Washington, North Dakota and Wyoming). Get started on a policy with WorkCompOne >>
- Utah has a state fund that competes with the private market. You can contact Workers Compensation Fund of Utah if you are unable to secure coverage from a private insurance carrier. State funds accept higher-risk businesses, but their rates are often higher.
- If you’re still having trouble, you can contact Utah's assigned risk pool, which will help you find coverage.
Factors That Impact Coverage
- You are a sole proprietor or partner: In Utah, you are excluded from coverage but have the option to include yourself.
- You are a corporate officer or member of an LLC: Utah includes you in coverage, but you have the option to exclude yourself.
- You are a real estate broker: You may be exempt from workers’ compensation coverage.
Utah Key Resources
If you employ workers in multiple states or your employees are temporarily working out-of-state, you need to purchase insurance for all the states where your workers are located, according to each state’s laws.
Call 1-800-416-0285 and let us walk you through it.
The nature of your business, number of employees being covered and past coverage and claims are all factors in how much your premium will cost. Learn more about workers' comp insurance rates >>