Utah workers' compensation insurance: Your ultimate resource
Everything to know about workers’ compensation for
Utah
businesses
What does workers’ compensation cover?
A standard workers’ comp policy covers four primary areas: medical expenses, lost wages, employer liability and ongoing rehabilitation. EverPeak policies ensure your crew gets the care they need to return to work safely while protecting your business from the costs of workplace accidents.
Medical care
Coverage for the necessary treatment resulting from a work-related injury or illness.
Lost wages
Partial pay for employees unable to work while recovering from an injury.
Legal protection
Financial support for your business if an employee files a lawsuit related to an accident.
Ongoing care
Rehabilitation and training to support employees re-enter the workforce, and ongoing benefits for permanent injuries.
Death benefits
Financial support for the families.
What are
Utah
's workers' comp laws?
Utah holds a distinctive heritage and charm. With a rich history and breathtaking scenery, the Beehive State presents a captivating blend of tradition and natural splendor.
The state’s diverse economy opens doors for businesses in various sectors to flourish. Securing dependable workers' compensation insurance is paramount for safeguarding your business and its employees.
What is workers' compensation?
Workers' compensation is a state-mandated insurance program for employers with one or more employees. It’s designed to provide medical and financial protection for employees who suffer work-related injuries or illnesses.
Without workers’ compensation, the cost of an injured employee’s medical treatment could become the responsibility of your business.
Utah workers' compensation rules
The Utah Labor Commission administers the workers’ comp law in Utah. The law requires employers with one or more employees to be covered by an active workers’ compensation insurance policy.
Businesses can obtain workers’ comp coverage through a partner like EverPeak Insurance. Alternatively, companies that meet the state’s specific requirements may also apply to be self-insured.
Employees can verify online if their employer has coverage.
Who is covered and exempt from
Utah
workers' comp?
Who is covered?
Policies include protection for full and part-time workers — as well as your business’s financials.
Some exemptions from workers’ comp in Utah include:
- Some agricultural workers
- Some casual or domestic workers
- Some real estate and insurance brokers
- Sole proprietors, partners of a partnership, and members of limited liability companies
Covered injuries and illnesses
Workers' compensation covers a range of work-related injuries and illnesses, including physical injuries resulting from an accident and occupational diseases developed over time due to job conditions.
Benefits provided
Utah workers’ comp insurance provides three types of benefits for work injuries:
- Medical benefits
- Lost wages
- Death benefits
- Medical treatment for work-related accidents, injuries and/or illnesses
- Temporary disability benefits
- Permanent disability benefits
- Death benefits
Utah workers’ compensation rates
The temporary partial disability (TPD) benefit amount is 66 2/3 percent of the injured worker's average gross weekly earnings when injured. As of 2023, this amount is not to exceed $1,130.
How much does workers’ comp cost in
Utah
?
How do you file a workers’ compensation claim in
Utah
?
Filing a workers' compensation claim
In the event of a work-related injury or illness:
Step 1: Employee reports injury to employer
Employees in Utah should report their injury to their employer as soon as possible. Employees should disclose essential details, including the date, time, and location of the incident, as well as a description of the injury sustained.
Step 2: Seek medical care
The employee should immediately seek medical attention.
Step 3: Employer reports injury
Once notified of the injury, employers should file a report of the accident with their workers' compensation insurance carrier within seven days.
Step 4: Receive benefits
The insurance carrier must assess the eligibility of the injury or illness for compensation within 21 to 45 days of receiving the benefit claim. If an employer’s insurance provider accepts the claim, the worker should begin receiving benefits to cover medical expenses and lost wages as applicable.
Step 5: Return to work safely/permanent disability benefits
Following their recovery, a worker is expected to resume work safely. If a work injury has left an injured employee unable to do any type of work, the employee may be entitled to permanent disability benefits.
Choosing a healthcare provider
In Utah, the employer is expected to designate a medical provider for the employee. If there is no preferred provider, employees may choose the doctor—but should visit with a medical provider who accepts workers’ compensation insurance.
Compensation for missed work
If an employee is out of work:
- Less than three days: They are not eligible for temporary disability payments.
- More than three: They are eligible for lost time benefits beginning on the fourth day.
Resolving disputes
To resolve a workers’ compensation claim dispute in Utah, an employee can submit an Applications for Hearing Workers’ Compensation Claim Denial with the Adjudication Division of the Utah Labor Commission.
How to get workers' compensation
Insurance requirements for employers
Employers in Utah with one or more employees must carry workers' compensation insurance or qualify for self-insurance. Compliance with this requirement is essential to protect both the employer and employees.
Choosing the right insurance provider
When selecting a workers' compensation insurance provider, consider factors such as the provider's experience in the industry, financial stability, coverage options, claims process, customer service, and cost.
We recommend requesting multiple quotes and comparing the offerings before making a decision.
Covering your business and employees with a trusted insurance partner — like EverPeak — brings peace of mind so you can focus on your bottom line.
FAQs
Workers’ compensation is a form of insurance that benefits employers and employees in the case of a work-related injury or illness.
Reach out to our customer service team directly at 833.929.0523, or fill out our contact form, and we’ll point you in the right direction.
Workers' compensation can cover staff injuries that happen on the job, including incidents involving patients, depending on the circumstances and your policy's terms.
Many general contractors, property owners or permitting offices require proof of insurance — often a certificate of insurance — before work begins. Confirm with the requesting party what's required for your specific job.
In many cases, yes — general contractors often require subcontractors to carry their own coverage before starting work. Requirements vary by project and state, so confirm with your contractor and an agent.
Enforcing safety protocols, providing proper employee training, maintaining a clean and hazard-free work environment, and regularly reviewing safety practices can significantly reduce workplace injuries.
Your premium is primarily determined by your industry payroll classifications, geographic location and total annual payroll. Your business’s safety history can also play a major role in determining your final rate. Three key factors influence your base insurance rate:
- Industry classification codes: Higher-hazard trades naturally carry higher baseline rates.
- Geographic location: Rates and statutory benefit structures fluctuate heavily by state lines.
- Historical safety record: Maintaining an accident-free workplace lowers your Experience Modification Rate (E-mod), resulting in built-in premium discounts.
Work-related injuries or illnesses should be reported immediately or within a few days of occurrence. State statutes typically set strict deadlines—for example, Georgia law (O.C.G.A. § 34-9-80) requires notice within 30 days of the accident. Prompt reporting ensures timely medical care and protects your right to benefits.
Why choose EverPeak for workers’ comp coverage?
EverPeak protects the hardest-working businesses in
Utah
with simple, reliable workers’ comp starting as low as $18 a month. Backed by over a century of specialized experience, customers get multi-state coverage, fast and easy claims support, and a vast network of brokers.
Utah
workers’ comp resources
Employer’s Guide to Workers’ Compensation
Employee’s Guide to Workers’ Compensation
Workers’ Comp Forms
Utah Labor Commission
Customer Care
Learn more about workers’ compensation in your state
Learn more about specific workers' comp insurance requirements and local compliance guidelines in your state.