Popular QuestionsPopular Questions about Utah Workers' Compensation Insurance

Who is covered under Utah workers' comp insurance?

Exceptions are rare when it comes to Utah workers’ compensation insurance. Unless your business is a sole proprietorship or partnership with no other employees, you will have to carry workers’ compensation insurance for your employees. The following are exempt from the workers’ compensation requirement:

  • Some agricultural workers
  • Some casual or domestic workers
  • Some real estate and insurance brokers
  • Sole proprietors, partners and members of limited liability companies with no employees

The state requirements related to number of employees and workers' comp coverage are:

  • Construction employers:  One or more employees
  • All employers: One or more employees
  • Agricultural employers: Employers with total annual payroll of more than $50,000 for non-immediate family employees
Where can you purchase Utah workers' compensation insurance?

Employers can purchase Utah workers’ compensation insurance from the Utah Workers’ Compensation Fund (WCF) or from a carrier that is licensed to sell workers’ compensation in Utah. The WCF is the “insurer of last resort” for employers who have difficulty obtaining coverage from other carriers. 

Utah employers can self-insure with approval from the Utah Labor Commission. 

What will workers' compensation insurance pay for in Utah?
  • Medical bills: Example: A waiter suffers severe burns and needs to be taken to the hospital.
  • Wage replacement: Example: An employee needs to miss three days of work to recover from a back injury that happened on the factory floor.
  • Death benefit: Example: A coal miner's family receives benefits after a fatal work-related accident.

Utah workers’ compensation insurance provides benefits for work-related injuries and illnesses. It pays for medical care, wage replacement and death benefits. 

Benefits are available for sudden falls and accidents as well as injuries and illnesses that take longer to present themselves, such as repetitive motion injuries or back injuries. 

How is workers' compensation calculated in Utah?

Information Needed First:

Classification Code: The National Council on Compensation Insurance (NCCI) assigns a risk classification code to every occupation in the state. Each classification code represents employers with similar exposures. The codes are used to classify workers’ compensation rates, based on the loss experience of employers within each code. 

In the example below, you can see that masons in Utah use the classification code 5022.

Example: Mason = 5022

Base Rate: Each classification code is assigned a specific dollar amount — or base rate — that is determined by how hazardous the occupation is for workers. The base rate is used to determine an individual employer’s full workers’ compensation premium. Base rates are revised each year. 

In the example below, we use the base rate $5.93 for a mason in Utah. 

Example: Mason = 5.93%

Calculation:

Base rate % x (Payroll/100)

Example:

Step 1: $100,000 Payroll / $100 = 1,000

Step 2: 1,000 X 5.93 (base rate) = 5,930

Estimated workers' comp premium: $5,930.00

How do experience modifiers affect Utah workers' comp rates?

The state of Utah allows employers to participate in an experience modifier program, which can lower or raise your premium rate. Experience modifiers are assigned based on your accident and claim record in comparison with other businesses in your industry that are roughly the same size. E-mods, as they are commonly known, are applied to your premium rate as a credit or debit.

Average mod: 1.0 = does not impact premium

Debit mod: Greater than 1.0 = premiums go up

Credit mod: Less than 1.0 = premiums go down

Employers will receive an experience modification factor when they have:

  • $7,000 in policy premium generated during the last year or last two years; or
  • $3,500 average policy premium generated for more than two years

If your workers’ compensation policy is experience-rated, your premiums are determined by:

Base rate x Payroll x Mod

InformationFind the Best Insurance in Your City

How Does Your City Measure Up?

Salt Lake City

Average workers’ compensation premium for popular Salt Lake City businesses

  • Health care: $1,520
  • Accommodation and food services: $870

The Top Three Hazardous Industries in Salt Lake City

  • Construction
  • Waste management services
  • Miscellaneous manufacturing

Salt Lake City is home to numerous hazardous industries whose employees are at risk.  Construction and waste management workers use dangerous machines and tools and are also at risk for falls and traffic accidents. Workers in manufacturing facilities work with dangerous equipment and materials and may be exposed to chemicals and other toxic substances. All of these workers are susceptible to back injuries and other repetitive motion injuries or to other injuries due to the long-term effects of working in very physical occupations.

Park City

Average workers’ compensation premium for popular Park City businesses

  • Accommodation and food services: $870
  • Construction: $9,510

The Top Three Hazardous Industries in Park City

  • Construction
  • Air transport services
  • Health care

Several hazardous industries are prevalent in Park City, and all of their employees are at risk.  Healthcare workers are in close contact with sick and even dangerous patients every day. Construction workers use dangerous machines and tools and are also at risk for falls and other types of injuries. Air transport workers face a greater risk from air crashes as well as heavy lifting and repetitive motion. 

While you have workers’ compensation insurance to protect yourself and your employees in the event of a work-related injury or illness, implementing safety and risk management techniques is the best way to keep everyone healthy. 

Purchasing workers’ compensation is complicated for most employers, with many complex variables. If you would like to purchase workers’ compensation insurance for your Park City business, contact a Trusted Choice independent agent who is licensed to sell workers’ compensation insurance in Utah.

Price

Average workers’ compensation premium for popular Price businesses

  • Accommodation and food services: $870
  • Health care: $1,520

The Top Three Hazardous Industries in Price

  • Health care
  • Mining, quarrying, and oil and gas extraction
  • Utilities

There a number of hazardous industries in Price, and their employees are at risk. Healthcare workers are at risk for contracting serious illnesses as well as suffering repetitive motion and back injuries. Miners and oil and gas workers face extreme dangers. They use dangerous equipment daily and are at risk due to explosions, fires and a variety of other hazards. Utility workers face electrocution, falls, traffic accidents and a variety of other extreme hazards. 

If you would like to learn more about Utah workers’ compensation laws and obtain coverage for your Price business, contact a Trusted Choice independent insurance agent who is licensed to sell workers’ compensation insurance in Utah.

West Valley

Average workers’ compensation premium for popular West Valley businesses

  • Construction: $9,51
  • Accommodation and food services: $870

The Top Three Hazardous Industries in West Valley

  • Construction
  • Waste management services
  • Truck transportation

West Valley is home to numerous hazardous industries, and their employees are at risk. Construction workers face numerous dangers from equipment and tools and from working at heights and other dangerous locations. Waste management workers are exposed to dangerous equipment and materials as well as traffic dangers. Truck drivers are also at an increased risk for traffic-related injuries and fatalities.

Remember, this article offers only highly simplified examples and calculations of typical workers’ compensation premiums. If you want to purchase workers’ compensation for your West Valley business, enlist the help of a trusted adviser. 

Provo

Average workers’ compensation premium for popular Provo businesses

  • Accommodation and food services: $870
  • Health care: $1,520

The Top Three Hazardous Industries in Provo

  • Health care
  • Construction
  • Waste management services

There are a number of hazardous industries in Provo, and their employees are at risk. They are exposed to a variety of dangers, from contracting serious illnesses to working with dangerous machinery and materials. Injuries and even fatalities are more common in these high-risk industries. Employers can reduce work-related illnesses and injuries and keep workers’ compensation costs under control by making safety a top priority. 

Need workers’ compensation insurance in Provo? A Trusted Choice insurance agent can help you find the right carrier and coverage for your needs and can help you comply with state regulations. Your agent can also help you evaluate your risk management techniques and find new programs and solutions to keep your workers’ compensation insurance costs down over the long term.

West Jordan

Average workers’ compensation premium for popular West Jordan businesses

  • Construction: $9,510
  • Health care: $1,520

The Top Three Hazardous Industries in West Jordan

  • Waste management services
  • Miscellaneous manufacturing
  • Truck transportation

West Jordan’s has a number of hazardous industries. Their employees are exposed to a variety of dangers, from working with dangerous machinery and materials to serious falls, traffic accidents, back strain and repetitive motion injuries. 

High-risk employers typically have higher workers’ compensation premiums than those in less-hazardous industries. The best way to keep workers safe and to minimize workers’ compensation costs is to make safety a top priority in your workplace. Provide a clean and safe workplace for all employees, offer clear and specific safety instructions for all jobs, and get employees involved in all aspects of promoting safety at work.

Looking for workers’ compensation insurance in West Jordan? You need the help of a trusted adviser like a Trusted Choice independent insurance agent. 

While the examples in this article are simplified, Utah workers’ compensation insurance is quite complex. A Trusted Choice agent can help you learn more about Utah’s workers’ compensation laws to make sure you purchase the right policy to protect your business and your employees. And an independent agent can help you get quotes from multiple insurance companies so you can be sure you are getting the best rates.

Orem

Average workers’ compensation premium for popular Orem businesses

  • Construction: $9,510
  • Health care: $1,520

The Top Three Hazardous Industries in Orem

  • Health care
  • Construction
  • Waste management services

There are a number of hazardous industries in Orem. Employees who work in these industries are exposed to a variety of dangers, from contracting serious illnesses to working with dangerous machinery and materials. Injuries due to serious falls, back strain, repetitive motion and traffic accidents are also common for some of these workers. 

Employers in Orem can obtain quotes and learn more about Utah’s workers’ compensation requirements by working with an experienced  Trusted Choice independent agent. The examples provided here are highly simplified illustrations of very complex rules, regulations and pricing models. 

Sandy

Average workers’ compensation premium for popular Sandy businesses

  • Health care: $1,520
  • Construction: $9,510

The Top Three Hazardous Industries in Sandy

  • Health care
  • Construction
  • Waster management services

Sandy is home to a number of high-hazard industries, and their employees face multiple risks. Health care employees are exposed to serious illnesses and potentially dangerous patients. Construction and waste management workers use dangerous materials and equipment and are at risk for falls, motor vehicle accidents and other traffic-related incidents that can cause injuries or fatalities. 

While you have workers’ compensation insurance to protect yourself and your employees in the event of a work-related injury or illness, implementing effective safety and risk management programs is the best way to keep everyone healthy and happy. 

Purchasing Utah workers’ compensation is complex and requires the help of a trusted adviser. We have provided only simplified examples and calculations in this article. 

Ogden

Average workers’ compensation premium for popular Ogden businesses

  • Construction: $9,510
  • Health care: $1,520

The Top Three Hazardous Industries in Ogden

  • Construction
  • Waster management services
  • Miscellaneous manufacturing

There are several hazardous industries in Ogden, and their employees face various risks. Construction workers use dangerous materials and equipment and are at risk for falls, injuries and fatalities. Waste management workers may be involved in motor vehicle accidents and other traffic-related incidents that can cause injuries or fatalities. Workers in manufacturing environments use heavy equipment and materials and may be exposed to heat, chemicals and fumes. 

While you have workers’ compensation insurance to protect yourself and your employees in the event of a work-related injury or illness, implementing safety and risk management programs is the best way to keep workers injury-free. Always provide a safe and clean work environment and be sure to offer clear and effective safety guidelines for every job. 

Remember, this article offers only highly simplified examples and calculations of typical Utah workers’ compensation premiums. Employers in Ogden have a lot of options for workers’ compensation insurance. An independent insurance agent who understands your business and the Utah workers’ compensation laws can help guide you. 

To learn more about Utah workers’ compensation and obtain coverage for your business, contact an experienced Trusted Choice independent insurance agent. 

St. George

Average workers’ compensation premium for popular St. George businesses

  • Construction: $9,510
  • Accommodation and food services: $870

The Top Three Hazardous Industries in St. George

  • Construction
  • Health care
  • Truck transportation

Several St. George industries are hazardous, and their employees face various risks. Healthcare workers are in close contact with sick and even dangerous patients every day. Construction workers use dangerous machines and tools and are also at risk for falls and other types of injuries. Truck drivers face an increased risk for injuries and fatalities due to motor vehicle accidents. 

The best way to reduce the number of workers’ compensation claims for your business is to provide a safe workplace. Implementing proper safety and risk management programs is the best way to reduce on-the-job injuries. Every employee should be involved in promoting a safe work environment and understand that safety is a top priority. 

This article provides highly simplified examples and calculations of very complex workers’ compensation coverage. Most St. George employers can obtain quotes and learn more about Utah’s workers’ compensation requirements by working with an experienced independent insurance agent.

A local Trusted Choice agent can help guide you through the process of purchasing Utah workers’ compensation insurance so you get the coverage you need to protect your employees and your business. 

Layton

Average workers’ compensation premium for popular Layton businesses

  • Health care: $1,520
  • Construction: $9,510

The Top Three Hazardous Industries in Layton

  • Health care
  • Construction
  • Air transportation services

Layton is home to several high-hazard industries whose employees face various risks daily.. Healthcare workers are in close contact with sick and even dangerous patients every day. Construction workers use dangerous machines and tools and are also at risk for falls and other types of injuries. Air transport workers face a greater risk of injuries from air crashes as well as heavy lifting and repetitive motion.

In order to minimize worker injuries and keep workers’ compensation costs down, employers must design and implement effective safety and risk management programs and make safety a top priority for all employees. 

Looking for workers’ compensation insurance in Layton? Utah workman’s comp insurance is very complex and is governed by a set of very specific rules and regulations. We have offered a variety of highly simplified examples. To learn more about Utah workers’ compensation insurance and obtain quotes, you need an experienced and knowledgeable independent insurance agent. 

A Trusted Choice agent can help you understand Utah’s workers’ compensation laws and will help you get the coverage you need to protect your employees and your business. 

Taylorsville

Average workers’ compensation premium for popular Taylorsville businesses

  • Construction: $9,510
  • Health care: $1,520

The Top Three Hazardous Industries in Taylorsville

  • Construction
  • Waster management services
  • Truck transportation

There are several hazardous industries in Taylorsville. Their employees face a variety of risks.  Construction workers use dangerous materials and equipment and are at risk for falls and other serious accidents. Waste management and transportation workers are often involved in motor vehicle accidents and other traffic-related incidents that can cause injuries or fatalities. 

If you would like to learn more about Utah workers’ compensation laws and obtain coverage for your Taylorsville business, contact a Trusted Choice independent insurance agent who is licensed to sell workers’ compensation insurance in Utah. An independent agent can help you find the best coverage for your industry and can help you assess and implement safety and risk management programs that help to keep your workers’ compensation costs under control.

South Jordan

Average workers’ compensation premium for popular South Jordan businesses

  • Construction: $9,510
  • Health care: $1,520

The Top Three Hazardous Industries in South Jordan

  • Construction
  • Waster management services
  • Miscellaneous manufacturing

There are several highly hazardous industries in South Jordan. Their employees have a greater risk of injuries due to using dangerous equipment and materials. High-risk employers typically have higher workers’ compensation premiums than those in less-hazardous industries. 

Remember, this article offers only highly simplified examples and calculations of typical workers’ compensation premiums. Purchasing workers’ compensation is complex, and most employers will enlist the help of a trusted adviser. To learn more about Utah’s workers’ compensation laws and obtain coverage for your South Jordan business, contact an experienced Trusted Choice independent insurance agent. Your agent can help you find the best coverage for your industry and can help you assess and implement safety and risk management programs that help to keep your workers’ compensation costs under control. 

Logan

Average workers’ compensation premium for popular Logan businesses

  • Accommodation and food services: $879
  • Health care: $1,520

The Top Three Hazardous Industries in Logan

  • Health care
  • Construction
  • Miscellaneous manufacturing

There are a number of high-risk industries in Logan. Workers in these industries face illness, injury and even death from dangerous working conditions. Employees must take care to avoid work-related incidents, from contracting a serious illness to falling from a platform or scaffolding.

 Employees need a clean and safe workplace in order to avoid injuries, and every job description should include clear and specific safety instructions. Be sure to get your employees involved in all aspects of promoting safety at work. 

Remember, this article offers only highly simplified examples and calculations of typical workers’ compensation premiums. Purchasing workers’ compensation is complex, and most employers will enlist the help of a trusted adviser. To learn more about Utah’s workers’ compensation laws and obtain coverage for your Logan business, contact an experienced Trusted Choice independent insurance agent. Your agent can help you find the best coverage for your industry and can help you assess and implement safety and risk management programs that help to keep your workers’ compensation costs under control.

Lehi

Average workers’ compensation premium for popular Lehi businesses

  • Construction: $9,510
  • Health care: $1,510

The Top Three Hazardous Industries in Lehi

  • Construction
  • Health care
  • Waste management services

There are a number of very hazardous industries in Lehi. These industries are more dangerous for employees because they are exposed to numerous risks, from dangerous equipment and materials to falls, traffic accidents, serious illnesses, back strain and repetitive motion injuries. You can reduce work-related illnesses and injuries and keep workers’ compensation costs under control by providing a safe and healthy workplace for all employees.

Purchasing workers’ compensation is complicated for most employers, with many complex variables. If you would like to purchase workers’ compensation insurance for your Lehi business, contact a Trusted Choice independent agent who is licensed to sell workers’ compensation insurance in Utah. A local agent can help you find the best coverage for your industry and can help you assess and implement safety and risk management programs that help to keep your workers’ compensation costs under control. 

Murray

Average workers’ compensation premium for popular Murray businesses

  • Health care: $1,520
  • Construction: $9,510

The Top Three Hazardous Industries in Murray

  • Construction
  • Waste management services
  • Miscellaneous manufacturing

There are several high-risk industries in Murray.Employees who work in these industries are exposed to a variety of dangers, from working with dangerous machinery and materials to injuries and fatalities caused by falls and traffic accidents. 

High-risk employers typically have higher workers’ compensation premiums than those in less-hazardous industries. Employers can reduce work-related illnesses and injuries and keep workers’ compensation costs under control by providing a safe and healthy workplace and making safety a top priority. 

Need workers’ compensation insurance in Murray? A Trusted Choice insurance agent can help you find the right carrier and coverage for your needs and can help you comply with state regulations. Your agent can also help you evaluate your risk management techniques and find new programs and solutions to keep your workers’ compensation insurance costs down over the long term.

Bountiful

Average workers’ compensation premium for popular Bountiful businesses

  • Health care: $1,520
  • Construction: $9,510

The Top Three Hazardous Industries in Bountiful

  • Construction
  • Waste management services
  • Truck transportation

There are some very hazardous industries in Bountiful. Employees who work in these industries are exposed to a variety of injuries and dangers, from working with dangerous machinery and materials to falls and traffic accidents. 

If you would like to learn more about Utah workers’ compensation laws and obtain coverage for your Bountiful business, contact a Trusted Choice independent insurance agent who is licensed to sell workers’ compensation insurance in Utah. An independent agent can help you find the best coverage for your industry and can help you assess and implement safety and risk management programs that help to keep your workers’ compensation costs under control.