Utah Workers Comp Insurance

With limited exceptions, every employer in Utah with one or more employee(s) is required by law to have a valid workers' compensation policy at all times. This "no fault" insurance not only provides injured workers with medical care and partial wage replacement, but also protects the policyholders from potentially damaging lawsuits. Although most companies in UT purchase a traditional commercial insurance policy, there are alternative methods of coverage which include licensing as a self insurer, gaining membership in a self insurance group, or obtaining coverage in the Assigned Risk Pool.

UT Workers Comp Insurance Specific Regulations

• Having any employees working in Utah requires a business to have coverage
• If you work for someone else you will not be covered by their insurance policy unless you are an employee. This requires independent contractors to have their own workman’s compensation insurance
• Utah offers a private insurance market and also a state fund or an assigned risk pool for businesses struggling to secure coverage
• Sole proprietors or partners in Utah are excluded from coverage, but have the option to opt in
• Corporate officers or members of LLCs are included in coverage, but have the option to opt out
• Real Estate brokers are exempt from coverage