Utah law requires workers' comp for most employers. It protects your employees when they're injured on the job — and protects you from devastating lawsuits. We shop 30+ carriers to find you the best rate.
Workers' compensation insurance covers your employees' medical bills and lost wages when they're injured or become ill because of their job.
Covers all reasonable medical treatment for work-related injuries and illnesses — doctor visits, surgery, physical therapy, medications.
Replaces a portion of the employee's income while they recover and can't work.
Provides ongoing payments for employees with permanent partial or total disabilities from workplace injuries.
Provides financial support to the family of an employee who dies from a work-related injury or illness.
Covers vocational rehabilitation and retraining if an employee can't return to their original position.
Protects you from lawsuits by employees who claim negligence beyond what workers' comp covers.
Utah requires workers' compensation for nearly all employers. If you have employees — even just one — you almost certainly need this coverage.
Yes. Utah requires workers' comp for virtually all employers with one or more employees. Sole proprietors can opt out for themselves but must cover employees.
Rates depend on your industry class code and payroll. Low-risk office workers might cost $0.15–$0.40 per $100 of payroll. Construction workers can be $5–$20+ per $100 of payroll.
You face fines from the Utah Labor Commission, potential criminal charges, and personal liability for all injury costs. It's not worth the risk.
Yes. Implement a safety program, return-to-work program, and keep your claims low. Your experience modification rate (EMR) directly affects your premium. We also shop 30+ carriers to find the best base rate.
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