The Utah Labor Commission mandates by state law that with few exceptions, every Utah employer is required to provide workers’ compensation coverage for all its employees. Workers’ compensation insurance helps protect business owners from the costs of potential accidents and injuries.
Utah imposes penalties on companies that don’t comply with workers’ compensation regulations or that let their coverage lapse. Employers suspected to be non-compliant will be investigated. If an employer fails to maintain workers comp coverage, the consequences could include penalties of at least $1,000 and an injunction to stop your business from operating.
Employers also open themselves up to the possibility of being sued in court for damages by an injured worker.
It is often much less expensive to obtain workers’ compensation insurance.
If you or your employees experience a workplace injury, your Utah workers’ compensation policy can help to cover the costs of:
Employers must report claims to the insurance carrier within seven days. The insurance carrier then has 14 days to report it to the Utah Industrial Accidents Division.
Approved claims get processed and the injured employee will receive benefits from the insurance company.
Workers’ compensation insurance also helps protect business owners with liability insurance against lawsuits brought on by employees injured on the job.
Utah state law mandates that when a death of an employee is the result of a work-related injury or illness, death benefits like weekly dependent compensation are paid by the self-insured employer or insurance carrier to a surviving spouse and/or dependents.
If an employee dies from a work injury or illness, workers’ compensation can also contribute toward funeral and burial expenses.
Workers’ compensation costs vary across industries. Factors that influence price include:
Get a free instant quote in about 10 minutes from NEXT to see your workers’ comp insurance costs.
In Utah, a small subset of employees can apply for a Workers’ Compensation Coverage Waiver (WCCW) exemption including:
Even if you’re not required to carry workers’ compensation, it can still be a good idea to help defray the losses of paying for lost wages and medical expenses associated with illness or injury on the job.
NEXT strives to resolve every claim quickly. Learn more about our claims process and how our claims advocates will work with you after an employee injury.
General liability insurance protects your business from common mistakes or accidents, such as customer injury or damages to someone’s property.
If you or your employees drive vehicles for work, you probably need commercial auto insurance. This provides coverage for accident-related expenses in a business-owned vehicle or a personal vehicle being used for work purposes.
Commercial property insurance can provide financial help if your business structures, goods, gear or inventory are damaged or destroyed by a covered event.
Learn more about workers’ compensation insurance options in the state where you work.
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