Utah Workers Compensation

Workers Compensation Insurance in UtahOne of the oldest forms of insurance in existence, workers compensation is meant to give employees prompt medical treatment, financial coverage, and any other benefits needed in the case of a workplace injury or illness. Workers compensation is a no-fault system. This means employees receive benefits no matter of fault for the accident. In return, that employee cannot sue the employer for injury or illness damages caused by the accident. Chrysalis Insurance Agency has workers compensation insurance plans for Utah business throughout Salt Lake City, Provo, Ogden, St. George, and the entire state.

What is Workers Compensation Insurance?

For the most part, workers compensation insurance will cover:

  • Death Benefits
  • Lost Income
  • Medical Care for the work-related injury/illness
  • Vocational Rehab
  • Permanent Injury Compensation

Regulated at a state level, workers compensation insurance premiums, requirements, and coverage will vary in each state. Chrysalis Insurance Agency is very familiar with all of Utah’s workers compensation requirements, and our experienced agents strive to work closely with you and your business to understand your individual needs, so we can recommend the best workers compensation solution.

Why Do I Need Workers Compensation Insurance?

Utah employers are required by state law to provide workers compensation insurance. Although there are only a few exceptions, certain employees are exempt.

  • Partnerships with no employees other than the partners
  • Limited Liability Companies (LLC) are considered partnerships, and members are eligible for waivers
  • The directors and/or officers of a corporation
  • Sole Proprietors with no employees other than the owner
  • Independent Contractors

There is often confusion as to the difference between independent contractors and employees. Independent contractors are defined as someone engaged in the performance of work for others, whom is independent of the employer, not subject to the routine rule or control of the employer, engaged only in the performance of a definite job, and is subordinate to the employer only in effecting the result. If you have questions about what constitutes an independent contractor under Utah law, contact your Chrysalis Insurance Agency agent.

Make sure you take the time to thoroughly understand your workers compensation policy, as well as the obligations you have as an employer. Incidents that occur in the workplace have a significant impact on an employee’s life. Chrysalis Insurance Agency not only provides workers compensation insurance policies at a great price, but we work to help you understand your policy and obligations.

Fully evaluating a business and loss history prior to providing a quote takes time. We work as fast as we possibly can to provide your quote, but we recommend reviewing your workers compensation plan at least several months prior to its expiration. This gives proper time to fully review that existing coverage, and determining future needs.

Get a Free Workers Compensation Insurance Quote

Chrysalis Insurance Agency offers other essential insurance solutions along with workers’ compensation insurance to businesses throughout Salt Lake City, Provo, Ogden and St. George. For more information on workers’ compensation insurance in Utah or to get a free quote, contact us at (714) 464-8080 or follow the link below!

Get a FREE Workers Compensation Insurance Quote!