Get Great Coverage in Minutes
All it takes is a few clicks.
Utah Workers’ Compensation Law
The Workers’ Compensation Act outlines Utah’s workers’ compensation laws. It says almost every business in the state needs workers’ compensation, which is also known as workers’ comp.1There are only a few types of businesses that may not need coverage, including:2
- Sole proprietorships
- Partnerships where there are no employees
- Limited liability companies where owners perform most of the work
In the Beehive State, workers’ comp helps cover employees that suffer work-related injuries or illnesses. These employees can include officers of a corporation. However, as the business owner, you can exclude your officers from coverage. To do so, you’ll need to notify your insurance company.3
Workers’ comp also helps protect Utah employers against lawsuits from injured or ill employees. For example, say you have an employee that suffers a back injury at work, and they file a lawsuit against you. Your workers’ compensation insurance can help cover their medical expenses and help pay your legal costs that result.
In Utah, the state’s Insurance Department oversees the workers’ compensation program and ensures timely payment of claims.4 The state doesn’t provide workers’ comp to employers. Instead, private insurance carriers, like The Hartford, provide workers’ comp coverage. In fact, we offer both business insurance and workers’ comp coverage for Utah employers.
Utah Workers’ Compensation Coverage
Workers’ compensation helps pay for medical expenses to treat job-related illnesses and injuries. So, if you own a construction company and one of your employees gets injured in a fall, workers’ compensation can help pay their medical costs.What’s covered? Workers’ comp helps provide benefits to injured or ill employees. This may include replacing lost wages if they need time away from work to recover. Workers’ comp can also help protect your business if an employee files a lawsuit because of a work-related injury.
Proof of coverage is helpful because it shows that your business entity has the right insurance. It also gives you information about what’s covered under your policy.
Coverage requirements, according to Utah law, say that nearly every business needs a workers’ compensation policy. You can buy a policy from the Workers’ Comp Fund of Utah.5 Or you can also work with our specialists to make sure your Utah business gets the coverage it needs. To learn more, get a workers' comp quote from The Hartford today.
What Utah Workers’ Compensation Covers
Utah workers’ compensation insurance helps cover:
Accidents or injuries that happen on the job and result in medical costs and lost wages. For example, an employee who breaks their leg while stocking shelves.
Illnesses caused by a work-related activity. This can happen if your employees work with harmful chemicals or allergens.
Ongoing medical care if an injury or illness is severe. If your employee has a hip injury that needs physical therapy, workers’ comp can help cover the cost.
Disability from work-related illnesses or injuries. For instance, say your employee suffers a back injury and needs to wear a brace for a few months. This coverage can help pay the costs associated.
Missed wages when your employee needs to take time off from work to recover. So, if they need to stay in the hospital for a week, it can help replace some of the income they’d lose.
Funeral costs if your employee dies due to a work-related injury or illness. This can be helpful for the deceased worker’s family in their time of grief.
Repetitive stress injuries, like carpal tunnel syndrome. These repetitive injuries occur from ongoing strain.
Workers’ Compensation Fund of Utah
The Utah Insurance Department regulates workers’ compensation, but it doesn’t provide insurance to businesses or interfere with disputes between:6
- Insurance providers
- Businesses
- Employees
The Industrial Accidents Division of the Labor Commission handles all compliance issues. They can help resolve workers’ compensation disputes.7
Utah Workers’ Compensation Waiver
Businesses with no employees and businesses who hire other companies for services can be exempt from workers’ compensation insurance requirements. This is because these hired workers are “statutory employees.” So the business hiring them can dismiss their right to insurance by filing a workers’ compensation coverage waiver (WCCW).8
Other businesses that are eligible for a WCCW are:9
Sole proprietorships, where the only employee is the owner.
Partnerships, where partners are the only employees.
Independent contractors with no employees that also are:
- Independent of the employer
- Not under the control of the employer, but need to follow their design for the job
- Hired only for an exact job
If you need to file a WCCW, you can find the form on the Utah Labor Commission’s website.10
Utah Workers’ Compensation Claims
To file a workers’ compensation claim, you can visit our online portal. Businesses in the Beehive state have trusted us for more than 200 years. We’ll help guide you through each step of the process.
1, 2, 3, 5, 10 Utah Labor Commission: Industrial Accidents Division, “Employer’s Guide to Worker’s Compensation”