UT · NCCI

Workers comp rates and rules in Utah

Utah has 607 workers comp class codes with filed rates, a maximum weekly benefit of $1,170 (66.67% of average weekly wage), and a statute of limitations of 3 years. Verified 2026-05-08.

Cheapest code $0.010 Real Estate Clerical
Median rate $0.100 across 50 top codes
Priciest code $0.170 Office Machinery Manufacturing

Class code rate comparison

The top 50 workers comp class codes filed in Utah, sorted from cheapest to most expensive per $100 of payroll. Cross-state percentile shows where each code sits versus the same code in other states.

State Occupation Code Rate per $100 vs peers Source
Utah Real Estate Clerical 8803 $0.010 9% view
Utah Hospice Care - All Other 8871 $0.010 11% view
Utah Architects 8603 $0.020 33% view
Utah Furniture Salespersons 8723 $0.020 6% view
Utah College Other Employees 8820 $0.020 5% view
Utah Hospice Care 8855 $0.020 6% view
Utah Ambulance Service 7402 $0.030 6% view
Utah Medical Office Clerical 8805 $0.040 7% view
Utah Clerical office 8810 $0.040 14% view
Utah Telemarketing Clerical 8814 $0.040 7% view
Utah Clerical Telecommuter Employees 8815 $0.040 7% view
Utah Telephone/Telegraph Companies 8901 $0.040 15% view
Utah Jewelry Salespersons 8721 $0.050 6% view
Utah Salesperson, outside 8742 $0.050 5% view
Utah Advertising Sales 8755 $0.050 5% view
Utah Medical Office Clerical 8805 M $0.050 13% view
Utah Telemarketing Clerical 8814 M $0.050 13% view
Utah Consulting Engineers 8601 $0.060 9% view
Utah RV Salespersons 8748 $0.060 5% view
Utah Physician, non-surgical 8832 $0.060 5% view
Utah Property Management NOC 8737 $0.070 14% view
Utah Jewelry Stores 8013 $0.080 5% view
Utah Insurance Adjusters 8734 $0.080 14% view
Utah Clerical Telecommuter Employees 8815 M $0.090 19% view
Utah Adult Day Care 8856 $0.090 6% view
Utah Glassware Manufacturing 4109 $0.100 6% view
Utah Drug Manufacturing 4511 $0.100 5% view
Utah Storage Battery Manufacturing 4692 $0.100 5% view
Utah Flat Glass Manufacturing 4740 $0.100 5% view
Utah College, non-faculty 8868 $0.100 5% view
Utah Sound Recording 4360 $0.110 20% view
Utah Telecom Line Construction 7610 $0.110 5% view
Utah Residential Property Management 8738 $0.110 14% view
Utah Property Management NOC 8737 M $0.120 13% view
Utah Outside Sales - All Other 8799 $0.120 6% view
Utah Landscape Gardening 0771 N $0.130 6% view
Utah Electrical Wiring Devices Manufacturing 3681 $0.130 5% view
Utah Railroad Shop Employees 7421 $0.130 5% view
Utah Glass Merchants 4110 $0.140 6% view
Utah Insurance Adjusters 8734 M $0.140 13% view
Utah Oil refinery 3719 $0.150 5% view
Utah Construction Supervisor 5606 $0.150 5% view
Utah Interior Trim Installation 5951 $0.150 5% view
Utah Retail Bakery 8045 $0.150 5% view
Utah Electrical Instrument Manufacturing 3685 $0.160 5% view
Utah Video Production 4361 $0.160 5% view
Utah Plumbing - Commercial/Industrial 5191 $0.160 5% view
Utah Barber, beauty parlor, hair stylist 9586 $0.160 14% view
Utah Office Machinery Manufacturing 3826 $0.170 5% view
Utah Waterworks Company 7515 $0.170 5% view

Bottom quartile (cheap) Mid Top quartile (expensive) This state

Utah coverage rules & benefits

Coverage threshold

Mandatory for employers with one or more employees.

Max weekly benefit

$1,170 (66.67% of average weekly wage), effective 2024.

TTD weeks

312 weeks of temporary total disability benefits.

PPD weeks

200 weeks of permanent partial disability (whole-body schedule).

Death benefit

Up to $376,488 in fatal-claim death benefits to dependents.

Statute of limitations

3 years from injury date to file the claim.

1099 contractor treatment

Individuals classified as independent contractors (1099) are generally not covered by workers' compensation, but their classification can be challenged based on specific employment control tests.

Owner exclusion

Allowed. Sole proprietor self-coverage: optional. LLC member self-coverage: optional.

State fund

Workers Compensation Fund of Utah (WCF Insurance) is the state-administered carrier.

Estimate your premium in Utah

Pre-filled to Utah. Pick your industry and payroll to see a real premium range from filed rates.

Estimate your workers comp premium

Pick your industry, state, and annual payroll. Range comes from real rate filings.

Estimated annual premium for Manufacturing in Utah

$500to$20,500

Median: $2,450 · Rate range $0.100 to $4.10 per $100 payroll

Industry median across all states

$7,300

Cheapest states for Manufacturing

  • Utah $0.490
  • Kentucky $0.940
  • Virginia $0.950

Most expensive

  • California $4.74
  • New Jersey $3.56
  • Hawaii $2.94

Estimate based on 24 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.

Filing & compliance in Utah

  1. Step 1, Confirm coverage threshold

    Mandatory for employers with one or more employees.

  2. Step 2, Determine class code

    Your premium uses the NCCI class code that best matches your operation. The wrong class code can cost 4-10x more or get reclassified at audit.

  3. Step 3, Get a quote (or use the state fund)

    Workers Compensation Fund of Utah (WCF Insurance) is one option; private carriers like Travelers, Hartford, and Liberty Mutual also write coverage in Utah. Schedule credits up to 25% are typical for low-loss accounts.

  4. Step 4, Track payroll & subcontractors

    General contractors are generally responsible for ensuring subcontractors carry workers' compensation insurance; otherwise, the general contractor may be liable for injuries to the subcontractor's employees. Keep certificates of insurance for every sub.

  5. Step 5, Annual audit

    Carriers audit payroll within 90 days of policy expiration. Have payroll segregated by class code, job descriptions on file, and overtime properly excluded from rated payroll.

Penalty for non-coverage: Employers failing to carry required workers' compensation insurance may face fines, civil penalties, and potential criminal charges, and are directly liable for injured employee benefits.

Utah workers comp FAQs

Who has to carry workers compensation insurance in Utah?

Mandatory for employers with one or more employees.

What is the maximum weekly workers comp benefit in Utah?

The current maximum weekly benefit in Utah is $1,170 (effective 2024). Benefits are typically 66.67% of the average weekly wage, capped at the state maximum.

How long do I have to file a workers comp claim in Utah?

The statute of limitations for filing a workers compensation claim in Utah is 3 years from the date of injury. Notice to the employer is typically required within 30 days.

Are 1099 contractors covered by workers comp in Utah?

Individuals classified as independent contractors (1099) are generally not covered by workers' compensation, but their classification can be challenged based on specific employment control tests.

Can business owners exclude themselves from workers comp coverage in Utah?

Yes, Utah allows business owners (sole proprietors, partners, LLC members, corporate officers) to exclude themselves from coverage by filing the appropriate election form. Sole-proprietor self-coverage is not required; LLC member self-coverage is not required.

What is the penalty for not carrying workers comp in Utah?

Employers failing to carry required workers' compensation insurance may face fines, civil penalties, and potential criminal charges, and are directly liable for injured employee benefits.

When does my workers comp carrier audit my payroll in Utah?

Utah typically requires a payroll audit within 90 days of policy expiration. Final premium is reconciled to actual payroll, and class code allocation can shift based on the audit findings. Keep payroll segregated by class code and have job-duty documentation ready.

Am I liable for subcontractors' workers comp in Utah?

General contractors are generally responsible for ensuring subcontractors carry workers' compensation insurance; otherwise, the general contractor may be liable for injuries to the subcontractor's employees.

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