Cover your Utah business in a few clicks.

Simple process. Affordable price. 70+ industries & growing.

Utah Businesses We Cover with Workers’ Comp Insurance

Utah Businesses We Cover with Workers' Comp Insurance

Food & Beverage

Bars, Bistros, Cafeterias/Buffets, Candy Stores, Caterers, Coffee Shops, Doughnut Shops, Fast Casual, Fast Food, Fine Dining, Health Supplement Stores, Juice Shops, Tea Houses, Taverns and Nightclubs

Get a Free Quote
Tech Services

Data Processing, Ecommerce, Hosting, Graphic Design, Network Installation/Repair, Office Machine Installation/Repair, Programming, Strategy & Management Consulting Services, and Software/Web Development (includes SOLOpreneuers!)

Get a Free Quote
Legal Services

Athlete/Actor/Entertainer Agents, Court Reporters, Lawyers & Attorneys at Law, Notaries and Transcription

Get a Free Quote
General Retail

Bakeries, Beer/Wine/Liquor Stores, Butcher/Meat Markets, Convenience Stores/Gas Stations, Discount Stores, Fish, Seafood, Fruit & Vegetable Markets, Grocery Stores, Laundromats, Pet Stores, Pharmacies/Drug Stores, Specialty Food Stores

Get a Free Quote
Educational Services

Computer Training, Cosmetology/Barber Schools, Exam Preparation/Tutoring, Fine Art Schools, Language Schools, Libraries/Archives, Management Training, Professional Training, & Translation/Interpretation Services

Get a Free Quote

Microbreweries (less than 15,000 barrels produced per year) & Wine Making (no growing or production of grapes/fruit)

Get a Free Quote
Personal Services

Barber Shops/Salons, Cemeteries/Mausoleums, Crematoriums, Funeral Homes, Interior Design, Pet Kennels/Groomers, Photography/Photofinishing, Gyms, Nail Salons, Self-Storage, Tanning Salons, Tattoo/Piercing, and Wedding/Event Planners

Get a Free Quote
Clothing Retail

Bridal Stores, Clothing Stores, Dry Cleaners, Formal Wear/Costume Rentals, Luggage & Leather Goods Stores, Shoe Retail/Repair, and Tailor Shops

Get a Free Quote
Personal Product Retail

Art Galleries/Stores, Auto Parts, Beauty/Cosmetics, Bike Stores, Bookstores, Camera/Photo Supplies, Cell Phone Retail/Repair, Computer Stores, Jewelry Stores, Musical Instruments, Sporting Goods , Tobacco/Vaping & Video Games

Get a Free Quote
Medical Professions

Blood Banks, Dental Labs, Dentists/Orthodontists, GP/Medical Specialists, Kidney Dialysis Centers, Medical Diagnostics & Testing, and Veterinarians

Get a Free Quote
Architecture & Engineering Services

Architects & Drafting, Engineering, Surveyors, & Window Treatment Stores (we do not cover construction contractors or trucking companies)

Get a Free Quote
Financial Services

Accounting, Auditors, Banks/Credit Unions, Bookkeeping, Collection Agencies, Financial Advisors/Trust Companies, Mortgage & Loan Brokers, Payroll Services, Tax Preparation, Title & Title Insurance

Get a Free Quote
Scientific Services

Scientific Research & Development/Consulting, Technical Consulting, & Environmental Consulting

Get a Free Quote
Office, Home, & Garden

Hearing Aid Stores, Hobby/Craft/Art Stores, Gift/Novelty Stores, Florists, Floor Covering Stores, Mailing/Packaging Stores, Models/Toy/Games, Office Supplies, Optical Stores, Paint/Wallpaper Stores, Perfume Stores, Plumbing & Taxidermists

Get a Free Quote
Therapeutic Services

Acupuncture, Chiropractors, Mental Health Practitioners, and Physical & Occupational Therapy

Get a Free Quote

Workers' Compensation for Utah Businesses

Worker’s comp insurance for the Beehive State

Utah is home to 2.9 million residents and almost 85,000 square miles of area. It’s known for the stunning beauty of “The Mighty 5” national parks; Park City, host of the 2002 Winter Olympics and awesome skiing; and the home of Temple Square, global headquarters of the Church of Jesus Christ of Latter-Day Saints.

Did you know that Zion National Park was a filming location for Romancing the Stone and Butch Cassidy and the Sundance Kid? The Great Salt Lake is home to billions of brine shrimp, and you can marvel at the moonscape of the Salt Flats! Home to 277,140 small businesses and representing 99.3% of the total companies, Utah’s small businesses provide careers for 557,794 Utah residents.

Interestingly, Utah is home to the rapidly growing network marketing company movement. It’s also the second-biggest industry behind tourism, with more than $8.5 billion in annual revenue spread over at least 100 companies. While still privately held, several of these businesses are global giants in their fields with thousands of employees serving customers in almost every language – made possible by Mormons returning from their missionary work across the globe. While these companies have loads of manufacturing, shipping and professional jobs, they spread the wealth to vendors, like cleaning companies, telecom, IT, catering, office supplies and so many more. Not to mention the BIG conventions and all the opportunity they bring.

Mormons follow the original pilgrimage travel through Utah to Salt Lake City to see the Mormon Tabernacle Choir, while genealogy researchers make trips to dig through the extensive LDS historical data. Even the largest towns are still very friendly and pride themselves on cleanliness and a small-town feel. It’s no surprise that tourism, entertainment and retail are the leading job sectors, with big opportunities in health care and professional services.

Opportunity is enormous in the Beehive State, named after the industrious nature of its people. With a consistently higher growth rate than the national GDP, the competition is intense for quality staff. Take care of them with Cerity workers’ comp insurance. Plan for the unexpected, like when your marketing team is making a video of the newest essential oil or face cream and slices their hand picking up a dropped glass bottle, or when a runaway bobsled in Park City crashes into the gift shop. From the colorful deserts to the highest mountain peaks, Cerity is your small business workers’ comp partner.

Utah Statistics*

*2017 business stats provided by the Bureau of Labor Statistics


number of Utah residents employed by small businesses


number of workplace injuries

15.2 million

annual visitors to the “The Mighty 5” national parks


inches of average snowfall


height in feet of Delicate Arch (pictured below)

utah workers' compensation

Explore commonly asked questions about business type, industry and state.

To put it simply, your business is covered. Just like that.In most cases, all of your employees are covered by workers' compensation insurance, including subcontractors (given they provide you a Certificate of Insurance). However, a Certificate of Insurance (COI) isn't a guarantee of coverage (policy may have cancelled since issuance). You should request periodic COIs throughout the contract.
Workers' compensation insurance provides all state required benefits, including reasonable and necessary medical treatment and wage replacement, for employees injured in the course and scope of employment.
In most states, it’s required for small business owners to obtain workers’ compensation coverage. In the event that an employee is injured in the course and scope of your employment, workers' compensation insurance protects you from costly lawsuits and provides state required compensation for the employee, including lost wages and medical expenses.
The estimated premium is based on estimated payroll (at the beginning of the policy). The final premium is based on actual payroll (at the end of the policy) for the policy period (usually 12 months). In the event your payroll changes, we'll work with you on adjusting your policy.
Yes, the workers' compensation policy covers all of your employees. Significant changes to your payroll should be reported to Cerity. This will help mitigate having a large additional premium due at the end of your policy period.
Cerity is a data-services company that is a licensed insurance producer that provides comprehensive workers' compensation insurance for American businesses. In less than five minutes, a small business owner can have a quote and can be protected as soon as the next day. In other words, your business is covered. Just like that. We are backed by Employers Holdings, Inc., a workers' comp industry veteran of over 100 years, EHI is reimagining how to purchase workers compensation insurance.
You do not need any documents to apply - we told you it was simple! All you need to obtain a quote is tell us a few quick things about your business and we should be able to get you a quote.