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Utah Workers' Compensation Insurance
Protect your business and employees with Utah workers' comp
Workers' compensation insurance in Utah provides financial and medical support to employees with work-related injuries or illnesses. Whether you work in the tech industry of Salt Lake City or the recreation sector of Park City, having this coverage plays an important part in the success of your business.
Protect your team and ensure compliance with Utah workers' compensation laws. Talk to a Progressive Commercial expert to learn more.
Who needs workers' compensation insurance in Utah?
In Utah, most employers with one or more employees are required to have workers' comp coverage. This ensures that team members who suffer work-related injuries or illnesses receive necessary medical care and compensation for lost wages. Having this insurance might also be needed to meet the rules of professional licenses and contracts.
Explore Utah workers' compensation requirements.
Utah workers' compensation insurance exemptions
Utah workers' compensation exceptions include:
- Certain agricultural workers, based on the operations size and type
- Temporary or household workers, like casual or domestic employees
- Some real estate or insurance brokers, especially those working as independent contractors
Being without workers' comp insurance in Utah means your employees aren't covered if they get injured or sick at work. Even exempt businesses should consider getting coverage to protect against legal claims.
What are the penalties for not having workers' comp in Utah?
Since most businesses are required to have Utah workers' compensation coverage, not having it can lead to costly fines or a stop-work order. Consult with a Progressive Commercial specialist for expert insights and support.
Learn more about penalties associated with Utah workers' comp.
How much does workers' comp cost in Utah?
Utah workers' compensation rates are determined by different factors, such as:
- Job classification code: The National Council on Compensation Insurance (NCCI) assigns Utah workers' compensation class codes based on the level of risk associated with each role.
- Payroll: Workers' comp rates are determined per $100 of payroll, so a larger payroll may result in a higher premium.
- Claims history: The number of claims you've filed can affect what you pay for workers' comp. More claims could lead to higher premiums.
- Insurance carrier: Insurance companies might charge different rates since each company uses its own methods to assess risk and determine prices.
How can you get workers' comp in Utah?
If you're looking for workers' compensation in Utah, you have several options, including:
- Private insurers: Many Utah businesses choose to get workers' comp through private insurers because they offer custom coverage options and extra benefits.
- Self-insurance: Companies can also apply for self-insurance through the Utah Labor Commission. If approved, you might lower your premiums by paying for claims directly. However, you'll need to handle all financial risks and responsibilities.
- Assigned risk pool: Businesses that are new, high risk, or have many past claims often find it difficult to secure coverage. In these cases, workers' comp insurance is available through the Workers' Compensation Fund of Utah.
Regardless of your business type, exploring these options can guide you to the right workers' compensation coverage.
How does workers' comp work in Utah?
Utah workers' comp insurance supports employees dealing with job-related injuries or illnesses. Once an incident is reported, the employee or employer files a claim. If approved, the employee receives financial aid.
Utah workers' compensation benefits include:
- Medical expenses
- Disability benefits
- Lost wages
- Rehabilitation costs
Workers' comp protects your team by assisting injured employees and helping them get back to work. It also lowers the risk of legal action, since employees who receive benefits typically can't pursue claims.
Utah workers' comp death benefits
Utah workers' compensation rules provide death benefits to a deceased employee's family to help navigate their loss and maintain financial stability. These include payments of up to 66.67% of the employee's average weekly wage.
Utah workers' compensation statute of limitations
The statute of limitations requires employees to file a claim within one year of the injury date. Encourage your team to report workplace accidents immediately to secure their benefits.
Why choose Progressive Commercial for Utah workers' comp
With more than 50 years of experience, Progressive Commercial specializes in helping small businesses find the coverage they need to operate at their best. We're committed to providing superior service at a competitive price.
Start a quote online or talk to one of our agents to get expert advice you can trust.
