Do I need workers compensation insurance?

Workers Compensation Insurance Requirements in Utah

In Utah, most businesses with employees are required to carry workers compensation insurance. This insurance covers medical expenses and lost wages for employees who get injured or become ill due to their job.

When Is Workers Compensation Insurance Required?

• Private employers with one or more employees must have workers compensation coverage.
• Government employers are generally required to provide coverage for their employees.
• Independent contractors

Operational Considerations

• Business registration: Ensure your business is properly registered with the Utah Labor Commission to comply with insurance requirements.
• Payroll and employee classification: Accurate classification of employees versus contractors is essential to determine coverage needs.
• Insurance procurement: Obtain workers compensation insurance through a private insurer or the Utah Workers’ Compensation Fund.
• Recordkeeping and reporting: Maintain injury reports and timely notify your insurer and Utah Labor Commission of workplace injuries.
• Compliance: Regularly review Utah’s workers compensation rules to stay current with any changes as of 2026.

Failing to carry required workers compensation insurance can result in fines, penalties, and potential business liability. Prioritize this coverage as part of your overall risk management and employee protection strategy.