NEXT leads the market for workers' comp insurance in Utah, with exceptional customer service and comprehensive coverage options. The Hartford and Simply Business offer equally reliable alternatives for Utah business owners, with all three providers delivering notably similar levels of excellence.
Workers' Comp Insurance in Utah
NEXT tops our analysis as the best workers' comp insurance provider in Utah with a 4.61 out of 5 overall score.
Compare top Utah workers' comp insurance providers and find your ideal coverage.
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Updated: September 11, 2025
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Key Takeaways
NEXT, The Hartford and Simply Business lead the pack as Utah's top-rated workers' compensation insurance providers.
Your business type, number of workers, past claims and available funds determine which workers' comp provider fits your needs.
Compare insurance quotes, look into each provider's business expertise, review their service history and examine coverage details to find the right workers' comp coverage in Utah.
Best Workers' Comp Insurance Companies in Utah
| NEXT | 4.61 | 1 |
| The Hartford | 4.55 | 2 |
| Simply Business | 4.53 | 3 |
| Coverdash | 4.46 | 4 |
| biBERK | 4.44 | 5 |
| Nationwide | 4.43 | 6 |
| Progressive Commercial | 4.41 | 7 |
| Thimble | 4.40 | 8 |
| Hiscox | 4.38 | 9 |
| Chubb | 4.26 | 10 |
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.
LEARN MORE ABOUT BUSINESS INSURANCE IN UTAH
Utah businesses often need more than just workers' compensation insurance. Look for other types of coverage:
Best Utah Workers’ Comp Insurance Reviews
NEXT and The Hartford emerge as Utah's best workers' compensation insurance providers, offering excellent coverage options for business owners.
NEXT
Overall Best Provider
MoneyGeek Rating
4.6/ 5
4.4/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average Monthly Premium
$66We analyzed thousands of workers' compensation quotes from insurers operating in Utah across 79 industriesOur Survey: Claims Process
3.9/5Our Survey: Recommend to Others
4.8/5
The Hartford
Runner-Up Best Provider
MoneyGeek Rating
4.5/ 5
4.4/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average monthly premium
$66Based on average costs across business typesOur survey: Claims process
4.5/5Based on our annual customer satisfaction surveyOur survey: Recommend to others
4.5/5Based on likelihood to recommend from current customers
Cheapest Workers' Comp Insurance Companies in Utah
In Utah, NEXT provides affordable workers' comp coverage at $66 monthly ($788 annually). The Hartford and Thimble offer competitive rates at $66 and $67 per month, respectively. The table below shows costs from all companies we analyzed:
| 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 are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Your actual premium depends on where your business is located, what industry you're in, how many employees you have, and other factors insurers consider.
Average Cost of Workers’ Comp Insurance in Utah
Workers' compensation insurance in Utah costs businesses an average of $70 per month ($843 annually), running $4 below the national monthly average of $74. Utah's actual rates for your business will depend on your industry's risk level, number of employees, total payroll and claims history.
Average Cost of Workers' Comp in Utah by Industry
In Utah, workers' compensation insurance costs vary dramatically by industry risk level. Speech therapists pay the lowest premiums at $6 monthly, while roofing businesses face the highest rates at $791 per month. This significant difference reflects the varying workplace injury risks across different professions.
| 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 |
How Much Workers' Comp Insurance Do I Need in Utah?
In Utah, businesses must carry workers' compensation insurance as soon as they hire their first employee. This insurance covers medical expenses and lost wages if workers get injured or become ill due to their job duties.
Utah strictly enforces these requirements, with penalties reaching $1,000 per day for noncompliance. Employers who fail to maintain coverage may face Class B misdemeanor charges.
Sole proprietors
Business owners operating alone can choose whether to carry workers' comp coverage on themselves. Coverage becomes mandatory only when hiring employees.
Corporate officers
Company executives owning at least 25% of corporate shares may opt out by filing an exemption form with proof of alternative health insurance.
Real estate agents
Licensed real estate professionals working on commission qualify as independent contractors and are typically exempt from mandatory coverage requirements.
Domestic workers
Household employees working fewer than 40 hours per week or earning less than $750 per quarter may be exempt from coverage requirements.
Farm laborers
Agricultural workers on small farms with payroll under $20,000 per year or fewer than six regular employees can operate without coverage.
Religious organizations
Members of religious orders performing duties for their organization are generally exempt from mandatory workers' comp coverage.
Casual laborers
Workers hired for temporary jobs lasting less than 10 consecutive work days may not require coverage under state law.
Professional athletes
Professional sports players often operate under separate injury protection agreements instead of standard workers' comp coverage.
How to Get the Best Workers' Comp Insurance in Utah
Getting workers' comp insurance in Utah doesn't have to be complicated, and you can find coverage that protects your employees while maintaining reasonable business insurance costs. Take time to compare insurance rates from multiple providers, evaluate their coverage options and understand their claims handling processes before making your choice.
- 1
Check coverage requirements
Utah law requires most businesses with employees to carry workers' compensation insurance.
- 2
Collect business details
Prepare accurate payroll records, employee count and job classifications before requesting quotes.
- 3
Get multiple insurance quotes
Contact at least three insurance providers for quotes. Rates can vary between carriers in Utah
- 4
Find industry-savvy insurers
Select carriers who understand your industry's specific risks and Utah safety regulations.
- 5
Compare provider services
Review each insurer's claim processing speed and complaint history. Look for added benefits like workplace safety programs and injury prevention resources
- 6
Review policy details
Examine coverage limits and exclusions carefully. Consider pay-as-you-go structures for better cash flow management
- 7
Schedule annual coverage review
Review your policy yearly as business changes affect premium costs. Updates to payroll, employee count, or job classifications can impact your coverage needs
Utah Workers’ Comp: Bottom Line
Utah businesses have access to several strong workers' compensation insurance providers. Our analysis shows NEXT, The Hartford and Simply Business lead the market for quality coverage and service. Consider getting quotes from these providers and compare their offerings based on your industry needs, company size and available budget.
Utah Workers' Comp Insurance: FAQ
Understanding workers' comp insurance requirements and costs in Utah often presents challenges for business owners. Here are straightforward answers to the most common questions about coverage in Utah.
Is workers' comp insurance required for all Utah businesses?
Utah law requires employers to carry workers' compensation insurance when they have employees. Notable exemptions include sole proprietors, independent contractors, real estate agents working on commission and certain agricultural workers.
How much does workers' comp insurance cost in Utah?
NEXT offers the most affordable workers' compensation insurance in Utah at $66 per month ($788 annually). Final rates depend on your business's industry risk level, number of employees, payroll size and claims history.
What does workers' comp insurance cover in Utah?
Utah workers' comp insurance covers medical expenses and lost wages for job-related injuries or illnesses. Benefits include necessary medical treatment, partial wage replacement and disability compensation.
Which workers' comp insurance company is best in Utah?
NEXT leads Utah's workers' compensation insurance providers with a 4.61 overall score, excelling in customer service (4.70) and coverage options (4.80). The Hartford follows at 4.55, known for consistent service quality, while Simply Business ranks third with 4.53, offering the most comprehensive coverage options (4.90). Choose based on your priority: service quality, reliability or coverage breadth.
What happens if I don't have workers' comp insurance in Utah?
Operating without workers' compensation insurance in Utah is illegal. Employers face fines, criminal charges and business closure. The Utah Labor Commission enforces compliance and can order companies to pay all employee medical costs and lost wages out of pocket. Uninsured employers may also face employee lawsuits.
Do sole proprietors need workers' comp insurance in Utah?
Sole proprietors in Utah are exempt from workers' compensation requirements since they're not considered employees.
How do I choose the right workers' comp insurance company in Utah?
Get multiple quotes from at least three workers' compensation insurance carriers in Utah to find the best coverage. Look for insurers with proven experience in your industry sector and verify their financial strength ratings. Review their claims handling process, customer satisfaction scores and complaint records with Utah's Insurance Department before making your choice.
How We Scored the Best Workers' Comp Insurance Companies in Utah
- Affordability (50%): Cost drives every small business insurance decision in Utah's expensive market. We compared monthly premiums across all companies, since even comprehensive policies won't help if you can't afford them.
- Customer experience (30%): When your employee gets hurt, you'll need an insurer that handles claims quickly and treats injured workers fairly. We used J.D. Power ratings, Utah Department of Insurance complaint data and independent reviews.
- Coverage options (15%): We evaluated each company's policy flexibility, add-on options and coverage limitations for specific Utah industries and regulatory requirements.
- Financial strength (5%): Premium savings don't matter if your insurer struggles financially. We checked AM Best ratings to ensure recommended carriers can deliver on their promises.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.