Workers Compensation Insurance

When an employee is hurt on the job, workers’ compensation pays their medical bills and part of their lost wages. It also protects your business from being sued over the injury. Most Utah employers are required to carry it, and for many businesses it is one of the largest insurance bills of the year. Do Right Insurance helps Utah businesses get the right coverage at a fair price.

What workers’ comp covers

• Medical care for work-related injuries and illnesses
• A portion of lost wages while the employee recovers
• Disability and death benefits
• Protection for you: in most cases, workers’ comp is the employee’s only remedy, so a covered injury doesn’t turn into a lawsuit against your business

Do you need it in Utah?

Utah law generally requires employers with employees to carry workers’ compensation, and many general contractors and customers ask for proof of coverage before they’ll work with you. Owners and operators can pay for a waiver through the State of Utah to exempt themselves. Whether that makes sense depends on your situation, so call us and we’ll walk through it with you.

For every kind of Utah business

We write workers’ compensation for businesses of every type and size in Utah, from offices and retail shops to restaurants, trucking and construction crews. Your premium depends heavily on how your employees are classified by the work they do and how much payroll falls in each class. A wrong classification can cost real money, so we make sure yours matches what your people actually do. We have deep experience with construction trades, and we bring the same care to every industry.

What affects your price

• Your payroll, and how it is divided across job classifications
• Your claims history, known as your experience modification
• Your safety program and how you manage claims
• The carrier you choose, which is why we compare

Premiums are also audited each year against your actual payroll.

Why an independent agency

We aren’t tied to one insurance company. We compare 15+ carriers for you, then explain the differences in plain language so you can choose with confidence.

What we need for a quote

• Your business name, address and years in business
• The number of employees and payroll by type of work
• Your current carrier and recent claims history

Common questions

Do I need workers’ comp if I have only one employee?

In Utah, coverage is generally required once you have an employee, with some exceptions. Call us and we’ll tell you where you stand.

Can I exempt myself as an owner?

Owners and operators can pay for a waiver through the State of Utah. Whether it makes sense depends on your situation, so call us and we’ll talk it through.

Do subcontractors or independent contractors I hire need their own coverage?

Businesses typically ask the people they hire for a certificate of insurance. If someone isn’t covered, the cost can fall back on you.

Can I get coverage if I’ve had claims?

Often yes. Claims history affects price, and carriers weigh it differently, which is where comparing helps.

What is an experience modification?

It’s a number that compares your claims history to similar businesses. Below 1.0 lowers your premium and above 1.0 raises it.

Can you provide a certificate of insurance?

Ask us for certificates whenever you need to show proof of coverage.

Get a workers’ comp quote

Talk to an agent who will shop the carriers for you. Call 801-352-7100 or request a quote online.

This page is general information and not legal advice.