What Workers’ Compensation Insurance Requirements Apply in Utah?

Utah generally requires every employer to provide workers’ compensation coverage for employees, with a few exceptions. A limited Workers’ Compensation Coverage Waiver may be available for certain owner-only businesses or individuals treated as statutory employees.

What Is Workers’ Compensation Insurance?

Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. Read the national Workers’ compensation guide.

Utah Workers’ Compensation Insurance Requirements

Requirement	Details
Coverage for employees	With a few exceptions, every Utah employer must provide workers’ compensation coverage for all employees. ¹

What to Watch for With Workers’ Compensation in Utah

A Waiver Is Limited to Listed Owner Situations
Utah allows eligible sole proprietors with no employee other than the owner, partnerships with no employees other than partners, some LLC members, and certain corporate officers to seek a waiver or exclusion. A waiver does not establish coverage for the business’s other workers; confirm who remains insured. ²
Corporate Exclusion Has a Five-Officer Cap
A corporation that does not contract its work and has no employees except directors or officers may exclude no more than five of them under the Commission’s waiver guidance. Ask whether the company meets both conditions and who is named in the approved exclusion. ²
Self-Insurance Has Material Financial Thresholds
Utah generally requires at least five years in business, $10 million net worth, acceptable security, and excess workers’ compensation coverage for self-insurance. Ask whether your organization meets current Labor Commission prerequisites before comparing that route with a policy. ³

Which Workers’ Compensation Providers Have Utah License Records?

These providers publish a national listing for Workers’ compensation; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Utah. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹⁴
Corgi lists workers’ compensation insurance.
ERGO NEXT Insurance
Insurance producer · checked 2026-09-28
Next First Insurance Agency, Inc.
ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry. ¹⁶
ERGO NEXT offers workers’ compensation insurance for small businesses.
Hiscox
Insurer · checked 2026-09-28
Hiscox Insurance Company Inc.
Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product. ¹⁵
Hiscox provides access to workers’ compensation underwritten by Hartford Fire Insurance Company and requires a general liability policy.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. ¹⁷
TechInsurance arranges workers’ compensation insurance for small businesses.
Vouch
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch Specialty Insurance Services, LLC
Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. ¹⁸
Vouch lists workers’ compensation among core coverages for technology companies.

Who Regulates Insurance in Utah?

Utah Insurance Department

The Utah Insurance Department regulates licensed insurance companies and producers, offers a public licensee search, and accepts complaints about property/casualty insurance. Complaint jurisdiction depends on policy type and place of issue; employer self-funded plans are outside the Department’s authority. ^4,^5,⁶

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint

Surplus-Lines Tax and Stamping Office in Utah

Reported tax rate. 4.25% of gross premium including policy fees, plus 0.18% stamping fee ^7,^8,^9,^10,¹¹

For Utah-home-state surplus-lines coverage, Utah charges 4.25% of gross premiums including policy fees, less returned premiums, and the Surplus Line Association of Utah collects a 0.18% stamping fee. Utah law requires a policy notice that the nonadmitted insurer is not protected by any Utah guaranty association; the state’s current guidance says a good-faith admitted-market effort is generally required unless the coverage is on the export list.

Surplus Line Association of Utah

Questions to Ask Before You Buy Workers’ Compensation in Utah

Which owners or officers are named in an approved Utah waiver, and which employees remain covered?
Does our corporation meet Utah’s no-contracted-work and five-officer conditions for exclusion?
Do we meet the Commission’s financial, security, and excess-insurance requirements for self-insurance?

Workers’ Compensation Insurance in Utah: Frequently Asked Questions

Does Utah require workers’ compensation for one employee?

Generally, yes. Utah’s Labor Commission says every employer must cover all employees, subject to a few exceptions; owner waivers are limited to qualifying circumstances. ^1,²

Can a small Utah business self-insure workers’ compensation?

Utah’s Labor Commission generally requires at least five years in business and $10 million net worth, plus security and excess insurance. A business that does not meet those prerequisites should compare authorized policy coverage. ³

Sources for Workers’ Compensation Insurance in Utah

1
Employers’ Guide to Workers’ Compensation. Utah Labor Commission, Industrial Accidents Division; Coverage requirements and premiums; employer reporting; §34A-2-201 reference. Accessed 2026-09-28.
2
Workers’ Compensation Coverage Waivers. Utah Labor Commission, Industrial Accidents Division; Waiver eligibility by sole proprietorship, partnership, LLC, corporate officers; independent-contractor definition. Accessed 2026-09-28.
3
Self-Insurance. Utah Labor Commission, Industrial Accidents Division; Required prerequisites for self-insurance; five-year business history, $10 million net worth, security and excess insurance. Accessed 2026-09-28.
4
utah insurance regulator. State insurance regulator; Official department pages identify consumer, licensee-search, complaint, and regulatory services. Accessed 2026-09-28.
5
Utah Insurance Department Licensee Search. State insurance regulator; Official search provides public contact information and verifies agent or agency licensing status. Accessed 2026-09-28.
6
Utah Insurance Department Complaints. State insurance regulator; Accepts most P&C complaints and specifies exclusions and complaint-channel limits. Accessed 2026-09-28.
7
Utah Code §31A-3-301. Utah Legislature; Effective October 14, 2025; 4.25% of gross premium including fees; cancellation/return premium deductions and statutory exclusions. Accessed 2026-09-28.
8
Utah Code §31A-3-303. Utah Legislature; §31A-3-301(4): premiums for surplus-lines insurance are taxable in full when Utah is the home state; subject to §31A-3-305 interstate allocation agreements for multistate risks. Accessed 2026-09-28.
9
Excess & Surplus Lines Insurance. Utah Insurance Department; Current FAQ: tax 4.25% of gross premiums including fees; stamping fee 0.18%; SLA Utah is stamping office; submission within 60 days. Accessed 2026-09-28.
10
Utah Code §31A-15-103(8)(c). Utah Legislature; Surplus-lines policy must contain statutory notice that the insurer is not licensed and receives no protection from any guaranty associations under Title 31A, Chapter 28. Accessed 2026-09-28.
11
Excess & Surplus Lines Insurance. Utah Insurance Department; Current surplus-lines guidance: good-faith effort to place with admitted insurer is general rule; export-list coverage does not require diligent search, while off-list coverages require normal search procedures. Accessed 2026-09-28.
12
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
13
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
14
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
15
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
16
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
17
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
18
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

What Workers’ Compensation Insurance Requirements Apply in Utah?

What Is Workers’ Compensation Insurance?

Utah Workers’ Compensation Insurance Requirements

What to Watch for With Workers’ Compensation in Utah

A Waiver Is Limited to Listed Owner Situations

Corporate Exclusion Has a Five-Officer Cap

Self-Insurance Has Material Financial Thresholds

Which Workers’ Compensation Providers Have Utah License Records?

Corgi

ERGO NEXT Insurance

Hiscox

TechInsurance

Vouch