Workers' comp rates in Utah vary by industry and business size. Compare top-rated insurers and find coverage that fits your needs.
Best Workers' Comp Insurance in Utah
With rates starting at $5 monthly, ERGO NEXT, The Hartford and Simply Business offer the cheapest and best workers' comp insurance in Utah.
Get matched to top Utah workers’ comp insurance providers and find your ideal coverage.
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Updated: January 29, 2026
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Best Utah Workers' Comp Insurance: Fast Answers
What are the best and cheapest workers' comp insurance providers in Utah?
ERGO NEXT offers the top cheap workers' compensation insurance in Utah. The following are the state's cheapest and best workers' comp insurance providers and their average monthly rates:
- ERGO NEXT: $66
- The Hartford: $66
- Simply Business: $68
- Coverdash: $69
- biBerk: $72
Is workers' comp insurance required in Utah?
Utah mandates workers' comp insurance for most employers with one or more employees, including part-time workers. Exemptions include sole proprietors without employees, partners and corporate officers owning 10% or more of company stock. Noncompliance results in fines up to $1,000 per employee plus daily penalties until coverage begins.
How much does workers' comp insurance cost in Utah?
Utah's workers' compensation insurance costs about $35 per employee monthly for small businesses. Your actual premium depends on your industry and payroll size. Low-risk businesses like speech therapy pay around $3 monthly per worker, while high-risk industries such as roofing can cost $396 per employee each month.
How do you get workers' comp insurance in Utah?
You can get workers' comp coverage in Utah by:
- Purchasing from private insurance companies licensed to sell workers' comp in Utah
- Buying through the Workers' Compensation Fund of Utah, the state-operated insurer
- Self-insuring if your business meets Utah's strict financial requirements and approval process
Many business owners compare quotes online or through brokers to get the best rate and compliance support.
What does Utah workers' comp insurance cover?
Workers’ compensation in Utah covers:
- Medical expenses for work-related injuries, from minor cuts at Salt Lake City construction sites to serious machinery accidents in Provo factories
- Wage replacement benefits providing partial income during recovery periods
- Permanent disability compensation for lasting impairments that affect earning capacity
- Survivor benefits for families when workplace fatalities occur, including funeral costs and ongoing financial support
Best Workers' Comp Insurance Companies in Utah
ERGO NEXT leads our research for workers' comp insurance in Utah with strong customer support and broad coverage options. The Hartford and Simply Business rank second and third, both offering solid coverage for Utah small businesses.
| ERGO NEXT | 4.61 | $66 | 1 | 2 |
| The Hartford | 4.55 | $66 | 2 | 3 |
| Simply Business | 4.53 | $68 | 5 | 1 |
| Coverdash | 4.46 | $69 | 6 | 2 |
| biBERK | 4.44 | $72 | 2 | 5 |
| Nationwide | 4.43 | $77 | 2 | 4 |
| Progressive Commercial | 4.41 | $68 | 7 | 5 |
| Thimble | 4.40 | $67 | 8 | 5 |
| Hiscox | 4.38 | $68 | 4 | 6 |
| Chubb | 4.26 | $81 | 3 | 4 |
How Did We Determine These Rates and Rankings?
These rates are estimates based on MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
Get Matched to Top Workers' Comp Insurers in Utah
Select your industry and state to get a customized Utah workers' comp quote from your top provider match.
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LEARN MORE ABOUT THE BEST BUSINESS INSURANCE IN UTAH
Explore the best business insurance providers in Utah through our guides:
Best Utah Workers’ Comp Insurance Company Reviews
Review our top recommendations for workers' compensation coverage in Utah:
ERGO NEXT
Best Workers' Comp Insurance in Utah
MoneyGeek Rating
4.6/ 5
4.4/5Affordability
4.7/5Customer Experience
4.8/5Coverage Points
Average Monthly Workers' Comp Premium
$66We analyzed thousands of workers' comp quotes from insurers across 79 Utah industries.Workers' Comp Digital Experience Score
4.8/5 (1st)Based on rankings from MoneyGeek's customer satisfaction surveyWorkers' Comp Customer Likelihood to Be Recommended to Others Score
4.8/5 (1st)Percentage of current customers who would recommend ERGO NEXT
The Hartford
Best Utah Workers' Comp Insurance: Runner-Up
MoneyGeek Rating
4.5/ 5
4.4/5Affordability
4.6/5Customer Experience
4.7/5Coverage Points
Average Monthly Workers' Comp Premium
$66We analyzed thousands of workers' compensation quotes from insurers operating in Utah across 79 industriesWorkers' Comp Claims Process Score
4.5/5 (1st)Rankings based on MoneyGeek's customer service surveyWorkers' Comp Customer Likelihood to Be Recommended to Others Score
4.5/5 (2nd)Percentage of current customers who would recommend The Hartford
Cheapest Workers' Comp Insurance Companies in Utah
ERGO NEXT has the lowest workers' comp rates in Utah at $66 per month ($788 per year). You'll save $4 monthly compared to the state average of $70, a 6% savings.
The Hartford and Thimble rank second and third for affordability, with monthly premiums of $66 and $67. Both keep costs below the state average.
The table below shows costs from all companies we analyzed.
| ERGO NEXT | $66 | $788 |
| The Hartford | $66 | $797 |
| Thimble | $67 | $808 |
| Simply Business | $68 | $811 |
| Progressive Commercial | $68 | $818 |
| Hiscox | $68 | $821 |
| Coverdash | $69 | $833 |
| biBERK | $72 | $861 |
| Nationwide | $77 | $923 |
| Chubb | $81 | $972 |
How Did We Determine These Rates?
These rates represent small businesses with two employees across 79 major industries and focus solely on workers' comp policies. Your actual premium depends on your business location, industry, employee count, claims history, coverage limits and other factors insurers consider.
Cheapest Workers' Comp in Utah by Industry
Thimble offers the cheapest workers' comp rates at $104 monthly for automotive businesses. It has the lowest rates in eight industries, including automotive, veterinary and wholesale sectors. The Hartford ranks second-most affordable with the lowest rates in 21 industries like ad agencies, auto repair and bakeries.
| Accountants | ERGO NEXT | $18 | $213 |
| Ad Agency | The Hartford | $14 | $168 |
| Automotive | Thimble | $104 | $1,250 |
| Auto Repair | The Hartford | $135 | $1,624 |
| Bakery | The Hartford | $47 | $560 |
| Barber | ERGO NEXT | $12 | $146 |
| Beauty Salon | ERGO NEXT | $13 | $155 |
| Bounce House | The Hartford | $36 | $426 |
| Candle | Simply Business | $35 | $425 |
| Cannabis | Nationwide | $87 | $1,047 |
| Catering | ERGO NEXT | $66 | $787 |
| Cleaning | ERGO NEXT | $43 | $516 |
| Coffee Shop | The Hartford | $42 | $503 |
| Computer Programming | ERGO NEXT | $25 | $296 |
| Computer Repair | The Hartford | $22 | $258 |
| Construction | ERGO NEXT | $161 | $1,931 |
| Consulting | The Hartford | $26 | $314 |
| Contractor | ERGO NEXT | $146 | $1,753 |
| Courier | Thimble | $199 | $2,392 |
| Daycare | The Hartford | $12 | $141 |
| Dental | Progressive Commercial | $10 | $117 |
| DJ | The Hartford | $12 | $149 |
| Dog Grooming | ERGO NEXT | $57 | $690 |
| Drone | ERGO NEXT | $24 | $288 |
| Ecommerce | ERGO NEXT | $19 | $231 |
| Electrical | ERGO NEXT | $50 | $602 |
| Engineering | Progressive Commercial | $33 | $398 |
| Excavation | ERGO NEXT | $94 | $1,133 |
| Florist | Progressive Commercial | $55 | $664 |
| Food | The Hartford | $36 | $437 |
| Food Truck | The Hartford | $41 | $490 |
| Funeral Home | Progressive Commercial | $24 | $289 |
| Gardening | ERGO NEXT | $41 | $494 |
| Handyman | ERGO NEXT | $84 | $1,008 |
| Home-based | ERGO NEXT | $9 | $108 |
| Hospitality | Thimble | $62 | $739 |
| HVAC | Simply Business | $56 | $667 |
| Janitorial | ERGO NEXT | $44 | $522 |
| Jewelry | The Hartford | $27 | $319 |
| Junk Removal | Simply Business | $125 | $1,496 |
| Lawn/Landscaping | The Hartford | $33 | $401 |
| Lawyers | The Hartford | $46 | $551 |
| Manufacturing | Thimble | $52 | $626 |
| Marine | Simply Business | $135 | $1,617 |
| Massage | ERGO NEXT | $13 | $154 |
| Mortgage Broker | ERGO NEXT | $12 | $147 |
| Moving | Simply Business | $236 | $2,828 |
| Nonprofit | Thimble | $28 | $341 |
| Painting | ERGO NEXT | $126 | $1,511 |
| Party Rental | The Hartford | $32 | $385 |
| Personal Training | ERGO NEXT | $22 | $264 |
| Pest Control | ERGO NEXT | $62 | $742 |
| Pet | ERGO NEXT | $27 | $323 |
| Pharmacy | ERGO NEXT | $6 | $67 |
| Photography | The Hartford | $15 | $178 |
| Physical Therapy | ERGO NEXT | $6 | $71 |
| Plumbing | The Hartford | $57 | $690 |
| Pressure Washing | Nationwide | $88 | $1,052 |
| Real Estate | ERGO NEXT | $26 | $315 |
| Restaurant | ERGO NEXT | $54 | $654 |
| Retail | The Hartford | $31 | $368 |
| Roofing | Nationwide | $876 | $10,517 |
| Security | ERGO NEXT | $47 | $566 |
| Snack Bars | ERGO NEXT | $38 | $456 |
| Software | ERGO NEXT | $23 | $277 |
| Spa/Wellness | ERGO NEXT | $16 | $187 |
| Speech Therapist | ERGO NEXT | $5 | $64 |
| Startup | ERGO NEXT | $11 | $137 |
| Tech/IT | The Hartford | $25 | $296 |
| Transportation | The Hartford | $200 | $2,399 |
| Travel | The Hartford | $6 | $74 |
| Tree Service | ERGO NEXT | $194 | $2,326 |
| Trucking | Simply Business | $240 | $2,879 |
| Tutoring | ERGO NEXT | $9 | $107 |
| Veterinary | Thimble | $17 | $204 |
| Wedding Planning | ERGO NEXT | $25 | $299 |
| Welding | ERGO NEXT | $106 | $1,275 |
| Wholesale | Thimble | $36 | $429 |
| Window Cleaning | Thimble | $185 | $2,221 |
How Much Is Workers' Comp Insurance in Utah?
Utah's workers' comp insurance costs average $70 monthly or $843 annually, $4 below the national average of $74. Industry rates vary, with speech therapists paying as little as $6 monthly ($3 per employee) while roofers pay up to $791 monthly ($396 per employee).
| Accountants | $19 | $232 |
| Ad Agency | $15 | $183 |
| Auto Repair | $146 | $1,753 |
| Automotive | $112 | $1,348 |
| Bakery | $51 | $613 |
| Barber | $13 | $161 |
| Beauty Salon | $14 | $167 |
| Bounce House | $39 | $464 |
| Candle | $38 | $457 |
| Cannabis | $80 | $959 |
| Catering | $71 | $849 |
| Cleaning | $47 | $561 |
| Coffee Shop | $45 | $543 |
| Computer Programming | $27 | $326 |
| Computer Repair | $23 | $275 |
| Construction | $174 | $2,087 |
| Consulting | $29 | $345 |
| Contractor | $159 | $1,905 |
| Courier | $216 | $2,591 |
| DJ | $13 | $161 |
| Daycare | $13 | $153 |
| Dental | $11 | $128 |
| Dog Grooming | $62 | $744 |
| Drone | $26 | $308 |
| Ecommerce | $21 | $251 |
| Electrical | $55 | $654 |
| Engineering | $36 | $434 |
| Excavation | $102 | $1,228 |
| Florist | $59 | $703 |
| Food | $40 | $481 |
| Food Truck | $44 | $525 |
| Funeral Home | $26 | $309 |
| Gardening | $45 | $537 |
| HVAC | $60 | $722 |
| Handyman | $90 | $1,075 |
| Home-based | $10 | $116 |
| Hospitality | $67 | $801 |
| Janitorial | $47 | $563 |
| Jewelry | $29 | $347 |
| Junk Removal | $134 | $1,608 |
| Lawn/Landscaping | $36 | $432 |
| Lawyers | $50 | $598 |
| Manufacturing | $56 | $675 |
| Marine | $144 | $1,725 |
| Massage | $14 | $166 |
| Mortgage Broker | $13 | $160 |
| Moving | $250 | $2,997 |
| Nonprofit | $30 | $366 |
| Painting | $134 | $1,611 |
| Party Rental | $35 | $423 |
| Personal Training | $24 | $287 |
| Pest Control | $67 | $804 |
| Pet | $29 | $350 |
| Pharmacy | $6 | $73 |
| Photography | $16 | $195 |
| Physical Therapy | $7 | $79 |
| Plumbing | $61 | $734 |
| Pressure Washing | $80 | $965 |
| Real Estate | $29 | $346 |
| Restaurant | $60 | $725 |
| Retail | $33 | $402 |
| Roofing | $791 | $9,498 |
| Security | $50 | $604 |
| Snack Bars | $41 | $494 |
| Software | $25 | $303 |
| Spa/Wellness | $17 | $202 |
| Speech Therapist | $6 | $69 |
| Startup | $12 | $150 |
| Tech/IT | $26 | $316 |
| Transportation | $218 | $2,614 |
| Travel | $7 | $81 |
| Tree Service | $212 | $2,542 |
| Trucking | $258 | $3,091 |
| Tutoring | $10 | $115 |
| Veterinary | $19 | $223 |
| Wedding Planning | $27 | $329 |
| Welding | $113 | $1,357 |
| Wholesale | $38 | $457 |
| Window Cleaning | $199 | $2,391 |
Utah Workers' Comp Insurance Cost Factors
These cost factors affect workers' compensation insurance rates in Utah:
Workers Compensation Fund of Utah (WCF)
The Workers Compensation Fund of Utah holds nearly 57% of Utah's market share. The second-largest provider controls just 3%. This quasi-governmental entity doesn't need to generate shareholder returns, so it offers lower base rates. Private insurers must price aggressively to compete, which makes Utah rates about 32% below the national average.
Utah Department of Insurance Rate Regulation
The Utah Department of Insurance sets base premium rates, then lets insurers adjust them up to 25% based on underwriting criteria. This system helps well-managed businesses with strong safety programs get rates below baseline. Insurers must justify rates to regulators annually, which prevents arbitrary price increases.
NCCI State-Specific Split Point Changes (2024)
Starting in 2024, NCCI moved from a nationwide split point to state-specific split points that reflect Utah's actual claim severity patterns. Your experience modifier now represents your safety performance compared to other Utah companies, not national averages. Businesses with strong safety programs earn lower rates, while high-risk businesses pay more.
Strict Noncompliance Penalties
Employers who fail to maintain coverage face fines up to $1,000 per day or three times the premium they would have paid, whichever is greater. This enforcement creates a broad risk pool where nearly every employer maintains coverage. Claim costs spread across thousands of businesses, which prevents cost-shifting that would raise compliant employers' rates.
Payroll Calculation Requirements for Business Owners
Sole proprietors and partners must use a $64,000 payroll amount for premium rating. Corporate officers face a $65,000 minimum and $254,800 maximum. These fixed amounts prevent business owners from lowering premiums artificially by reporting minimal personal compensation. Everyone contributes proportionally, and business owners get predictable premiums.
Experience Rating Eligibility Thresholds
Utah requires $10,000 in combined premium for the two most recent years or an average of $5,000 annually over three years to qualify for experience modifications. Small businesses below these thresholds pay manual rates without modification, protecting them from EMR penalties after one unfortunate claim but preventing them from benefiting from claims-free records.
How Much Workers' Comp Insurance Do I Need in Utah?
Utah law requires workers' compensation coverage for all employers with employees, with few exceptions. Your policy must provide medical benefits for life, temporary total disability benefits at 66-2/3% of average weekly wages (maximum $1,306 per week for fiscal year 2025), and death benefits for dependents.
Failing to maintain required workers' comp coverage results in penalties of $1,000 or three times the premium you would have paid, whichever is greater. Each day without coverage constitutes a separate criminal offense.
Utah Workers' Comp Insurance Exemptions
Utah requires most businesses to have workers' comp coverage. These business categories are exempt:
- Domestic Workers: You're exempt if you employ domestic workers for fewer than 40 hours per week. This applies whether you hire one household employee or several workers who don't reach 40 hours combined each week.
- Agricultural Employers: Utah exempts farm operations that employ five or fewer non-family workers for at least 40 hours per week during any 13-week period in the past year. You're also exempt if only immediate family members who own part of the farm work there.
- Corporate Directors and Officers: Your Utah corporation can exclude up to five directors or officers from coverage if they're your only workers. Construction contractors and businesses that subcontract work don't qualify.
- Owner-Operator Truck Drivers: If you own or lease your vehicle and drive under an independent contractor agreement, Utah requires proof of occupational accident insurance instead of workers' comp coverage.
- Business Owners Without Employees: Sole proprietors with no employees can skip workers' comp by filing an annual Workers' Compensation Coverage Waiver with the Utah Labor Commission. Partners in a partnership with no employees outside the partnership can also waive coverage this way.
- LLC Members: Your LLC can waive coverage if members are your only workers. Utah has one exception: construction trade LLCs must carry coverage for all members regardless of employee count.
- Independent Contractors: Independent contractors can get a coverage waiver in Utah by proving they control how work gets done, aren't supervised daily and work on specific projects rather than ongoing employment.
- Volunteers: Nonprofits don't need coverage for volunteers unless they choose to provide it. Government entities may need to provide medical benefits to volunteers in some situations.
- Real Estate Professionals: Self-employed real estate agents don't usually need coverage, though requirements vary based on your work arrangement and whether you employ other agents.
FEDERAL WORKERS' COMP PROGRAMS OVERRIDE STATE REQUIREMENTS
Your Utah business doesn't need workers' comp for employees covered by federal programs like FECA (federal government workers), FELA (railroad employees) or the Longshore Act (maritime workers). Independent contractors and unpaid volunteers are also excluded from Utah's workers' compensation requirements since state law doesn't classify them as employees.
How to Get the Best Workers' Comp Insurance in Utah
Explore how to get workers' comp insurance with the right provider at the best price.
- 1Determine if you need workers' comp coverage in Utah
Utah mandates coverage once you hire your first employee, whether part-time, full-time or seasonal. A solo freelance photographer operates without coverage, but bringing on an assistant changes everything. Watch out for worker misclassification. Utah law may treat some 1099 contractors as employees requiring coverage.
- 2Gather your business information
Accurate quotes require three things: employee count, total annual payroll and your NCCI classification code. Utah follows the National Council on Compensation Insurance system. Wrong numbers create problems. Underestimating payroll triggers audit penalties. Incorrect classification codes mean denied claims when you need coverage most.
- 3Request workers' comp quotes from multiple carriers
Contact at least three insurers to compare coverage costs. Include the Workers Compensation Fund (WCF) among your options. This state-backed carrier covers high-risk businesses and those with claim history. WCF insures more than half of Utah businesses, but private carriers often offer better rates for companies with clean safety records.
- 4Research providers with industry experience
Review which insurers specialize in your field rather than defaulting to the cheapest business insurance. Construction firms should choose carriers with experience in job-site hazards and Utah safety compliance. Tech startups need insurers who understand low-risk office environments and remote work arrangements.
- 5Evaluate your top provider options
Compare insurers on factors beyond premium cost to find the best insurance for your business:
- Review claim approval speeds and complaints filed with Utah's Insurance Department.
- Ask whether they operate preferred provider networks that lower medical expenses.
- Confirm their familiarity with Utah Labor Commission dispute procedures.
- Look for injury prevention programs and modified duty assistance.
- 6Review and purchase your workers' compensation policy
Study coverage terms, paying attention to Utah-specific exclusions and limits. Many insurers offer pay-as-you-go workers' comp insurance that matches premiums to actual payroll, helping seasonal businesses manage cash flow. Expect to pay around $70 monthly ($843 per year) for typical Utah coverage.
- 7Reassess before annual renewal
Review your policy annually as your business evolves. Your experience modifier (calculated by NCCI using three years of data) directly impacts renewal rates. Utah maintains some of the nation's lowest workers' comp rates, about 32% below average. Update employee counts and payroll figures to avoid coverage gaps or overpayment.
Best Utah Workers' Compensation Insurance: Bottom Line
ERGO NEXT, The Hartford and Simply Business lead workers' comp rankings in Utah. Research each company's service quality, maximize discounts and select coverage that fits your budget.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- National Council on Compensation Insurance. "2025 State of the Line Guide." Accessed February 7, 2026.
- National Council on Compensation Insurance. "ABCs of Experience Rating." Accessed February 7, 2026.
- The Go CGO Group. "Workers' Comp News: NCCI Experience Modification Changes for 2024." Accessed February 7, 2026.
- Utah Department of Insurance. "Workers' Compensation." Accessed February 7, 2026.
- Utah Labor Commission. "Employers' Guide to Workers' Compensation." Accessed February 7, 2026.
- Utah Labor Commission. "Quick Reference Guide to Workers' Compensation Benefits Effective July 1, 2025." Accessed February 7, 2026.
- Utah Legislature. "Utah Code Title 34A Chapter 2 Part 2." Accessed February 7, 2026.