Workers' Compensation by state

Workers' compensation requirements in Utah

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Does Utah require workers' compensation insurance?

Yes. Utah requires workers' compensation coverage once a business has one or more employees, under the Utah Workers' Compensation Act. Utah requires most employers with one or more employees to carry workers' compensation coverage. Coverage can be obtained from private insurers, the Workers Compensation Fund, or an approved self-insurance program.

Reviewed by Cornerstone Staff28 years of financial services state licensing experienceLast verified July 29, 2026

How the mandate works

Utah requires most employers with one or more employees to carry workers' compensation coverage. Coverage can be obtained from private insurers, the Workers Compensation Fund, or an approved self-insurance program.

Coverage trigger: One or more employees
If you go without coverage: Employers without required coverage can face penalties, possible criminal liability for willful violations, and direct exposure to an injured worker's claim.

Notable exemptions

Exemptions are narrow and fact-specific; confirm your situation with the regulator or an agent before relying on one.

Sole proprietors, partners, and certain corporate officers who may elect out
Some agricultural labor below statutory payroll thresholds
Certain domestic and casual employment

Statutes and sources

Utah Workers' Compensation Act

Utah Code Ann. sect. 34A-2-101 et seq.

Regulator: Utah Labor Commission, Industrial Accidents Division . Last verified 2026-07-29 from the official source .

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