Utah Workers' Compensation Cost Calculator
Key facts: workers' comp in Utah
- Who must be covered
- Mandatory starting at 1 employeeOfficial agency: Labor Commission
- Average rate
- $0.63 per $100 of payrollRank #48 of 51 (#1 = most expensive), below the $1.09 national median
- Rating organization
- NCCINational Council on Compensation Insurance · Private insurers
- Verified from official records
- October 3, 2026Rates: Oregon DCBS study, June 2025
With a few exceptions, every Utah employer must provide workers' comp for all its employees. Coverage is available from a large number of insurance companies.
Rates in effect January 1, 2024 · Oregon Department of Consumer and Business Services, 2024 study (June 2025) · Nothing you enter leaves your browser
2024 study rate for all industries in Utah. Edit it if your policy shows a different rate.
For the class you're pricing. Insurers rate each class code's payroll separately.
Printed on your experience rating worksheet or renewal. New or small employers that don't qualify for experience rating are rated at 1.00.
Estimated premium
$6,300
per year at an EMR of 1.00
At an average mod
$6,300
per year at an EMR of 1.00
Your EMR's impact
$0
no adjustment
Effective cost: $0.63 per $100 of payroll.
At an EMR of 1.00, your claims history neither raises nor lowers this premium.
Every claim from now on counts toward your next three renewals. IncidentLog makes the first step — a complete, same-day incident report — take about 90 seconds from a job-site QR code.
Create a free accountEstimate before schedule credits or debits, premium discounts, expense constants, state assessments and minimum premiums — your insurer's quote will differ.
Who must carry workers' comp in Utah?
Mandatory starting at 1 employee
There are a few exceptions.
Official agency
Utah Labor Commission, Industrial Accidents Division (Labor Commission)
Market: Private insurers · Law: Utah Code Ann. § 34A-2-201
Utah workers' comp rates by business type
Rate per $100 of payroll for common class codes in Utah, against the median of the 51 jurisdictions in the study.
| Business type (NCCI code) | Utah | U.S. median | Difference |
|---|---|---|---|
| Office and clerical staff (8810) | $0.06 | $0.11 | −45% |
| Retail store (8017) | $0.70 | $1.20 | −42% |
| Restaurant (full service) (9082) | $0.72 | $1.09 | −34% |
| Restaurant (fast food) (9083) | $0.66 | $1.09 | −39% |
| Hotel (all other employees) (9052) | $1.00 | $1.79 | −44% |
| Assisted living / retirement center (care staff) (8824) | $1.12 | $2.03 | −45% |
| Hospital (professional staff) (8833) | $0.46 | $0.82 | −44% |
| Electrical contractor (5190) | $1.21 | $2.37 | −49% |
| Plumbing contractor (5183) | $1.48 | $2.70 | −45% |
| Residential carpentry (up to 3 stories) (5645) | $7.97 | $8.71 | −8% |
| Roofing (5551) | $6.17 | $9.64 | −36% |
| Trucking (7219) | $4.50 | $5.72 | −21% |
Utah uses NCCI class codes. Your insurer applies the rate for your own classes, then your EMR.
What a bad EMR costs in Utah
Take $500,000 of payroll at Utah's $0.63 index rate: $3,150 a year at an average mod of 1.00.
- EMR 0.85
- $2,678/yr
- EMR 1.25
- $3,938/yr
- Difference
- +$1,260/yr
A claim year usually stays in the mod for three renewals, so the gap adds up to about $3,780. The mod is built from claims, and the cheapest claim is the injury caught early.
IncidentLog lets crews report an injury or near miss from a job-site QR code in about 90 seconds, so you hear about it the same shift and see patterns on your OSHA 300 log before they become claims.
Create a free accountUtah workers' comp FAQ
Is workers' comp insurance mandatory in Utah?
Yes. Utah requires workers' compensation coverage from the first employee (Utah Code Ann. § 34A-2-201). There are a few exceptions. Source: Utah Labor Commission, Industrial Accidents Division.
How are workers' comp rates set in Utah?
Employers buy coverage from private insurance companies. The Oregon DCBS study lists NCCI (the National Council on Compensation Insurance) as Utah's rating organization. Your own premium then depends on your class codes, your payroll and your experience modification rate (EMR).
What is the average workers' comp rate in Utah?
The Oregon Department of Consumer and Business Services's 2024 study puts Utah's all-industry index rate at $0.63 per $100 of payroll for rates in effect on January 1, 2024, 57% of the study's national median of $1.09. That ranks Utah #48 of 51 jurisdictions, where #1 is the most expensive (#45 in the 2022 study). Your own rate depends on your class codes.
Sources
Official texts behind this page (3 quotes)
“With a few exceptions, every employer is required to provide workers’ compensation coverage for all its employees. Refer to Utah Code Ann. §34A-2-201.”
Employers' guide to workers' compensation — Utah Labor Commission (opens in a new tab) · checked October 3, 2026
“With few exceptions, Utah employers are required to maintain workers’ compensation insurance coverage. Coverage is available from a large number of insurance companies.”
Workers' compensation — Utah Insurance Department (opens in a new tab) · checked October 3, 2026
“the insurance carrier has 14 days to report the “First Report of Injury” electronically to the Industrial Accidents Division.”
Employers' guide to workers' compensation — Utah Labor Commission (opens in a new tab) · checked October 3, 2026
An estimate for planning, not a quote, legal or insurance advice. IncidentLog is not an insurer or broker. Median rate across all industries: $1.09 per $100.