State insurance guide
Utah Business Insurance Guide 2026
Utah treats every person that regularly employs one or more workers in the same business as an employer under its Workers' Compensation Act. Auto liability minimums and paid leave rules follow, each with its official source.
Explore Utah requirements
Open the state requirements checklistUtah treats every person that regularly employs one or more workers in the same business as an employer under its Workers' Compensation Act, and every employer must secure benefits through an authorized insurer or approved self-insurance (Utah Code 34A-2-103, Employers enumerated and defined (effective 5/7/2025); Utah Code 34A-2-201). Auto liability coverage must be at least $30,000 per person and $65,000 per accident for bodily injury and $25,000 for property damage (Utah Code § 31A-22-304 (version effective 5/3/2023; limits for policies from January 1, 2025)). Utah has no state paid family leave or disability insurance program, according to NCSL's table.
Checked against official sources on October 3, 2026; the agencies named below decide how a rule applies to a particular business.
Shopping for business insurance in Utah? Request coverage help
Workers' compensation
Who must carry it: 1 or more employees (Utah Code 34A-2-103, Employers enumerated and defined (effective 5/7/2025)).
Exemptions and exclusions
Utah Code 34A-2-103 excludes a domestic employer that does not employ one or more employees at least 40 hours per week, and agricultural employers for immediate family members, and for non-family employees if prior-year non-family payroll was under $8,000 (or under $50,000 with the required liability and health coverage) (Utah Code 34A-2-103). Under 34A-2-104, corporations may elect to exclude directors or officers, and commission-paid real estate agents, commission-paid individuals who sell insurance for an insurance producer, and certain owner-operator truck drivers are not employees (Utah Code 34A-2-104).
The agency to ask is the Utah Labor Commission, Industrial Accidents Division. For the coverage itself, see the workers' compensation guide; for a proposal's arithmetic, the workers' comp calculator.
Auto liability minimums
The minimum auto liability coverage in Utah:
- Bodily injury liability: $30,000 per person and $65,000 per accident
- Property damage liability: $25,000 per accident
- In force: for policies issued or renewed on or after January 1, 2025; the earlier minimums were $25,000, $65,000 and $15,000 (or an $80,000 single limit)
- Source: Utah Code § 31A-22-304 (version effective 5/3/2023; limits for policies from January 1, 2025)
A $90,000 combined single limit is an alternative to the split limits (Utah Code § 31A-22-304), and the Utah DMV says a policy including no-fault (personal injury protection), bodily injury and property damage liability coverage must be maintained on all vehicles throughout the registration period. Ask your insurer whether these also apply to your commercial and fleet policies.
If your business runs commercial or for-hire vehicles, they can face different or higher federal or state requirements, so check any lease or client contract too; the commercial auto guide can help.
Paid leave and disability insurance
Utah has no state paid family and medical leave insurance program and no state temporary disability insurance program for private employers, based on NCSL's table, last updated November 7, 2025 (NCSL: state family and medical leave laws), and a cross-check on October 3, 2026 with the U.S. Department of Labor Women's Bureau.
Compilations can lag new laws, as Virginia's 2026 program shows (Code of Virginia § 60.2-801). Before planning Utah payroll for a future year, confirm the position with the Utah Labor Commission.
Other requirements to check
Insurance or bond conditions can also come from licensing boards, landlords and clients, for example as general liability limits or certificate wording. Log each one in the certificate of insurance checklist, and use the requirements-by-state guide for work outside Utah.
Where to verify
- Workers' compensation: Utah Labor Commission, Industrial Accidents Division
- Auto liability minimums: Utah Code § 31A-22-304 (version effective 5/3/2023; limits for policies from January 1, 2025)
- Paid leave and disability insurance: NCSL state family and medical leave laws and the U.S. Department of Labor Women's Bureau
Use the state requirements checklist to organize what to ask. You can also request coverage help for a PolicyBenchmark follow-up about your Utah business.
Frequently asked questions
Does a Utah business with one employee need workers' compensation?
Generally, yes: Utah applies the requirement from the first employee (Utah Code 34A-2-103, Employers enumerated and defined (effective 5/7/2025)). Exemptions listed above can still apply to particular workers or owners; the agency to ask is the Utah Labor Commission, Industrial Accidents Division.
Are Utah's auto minimums enough for business vehicles?
Utah's minimums are $30,000 per person and $65,000 per accident for bodily injury and $25,000 for property damage (Utah Code § 31A-22-304 (version effective 5/3/2023; limits for policies from January 1, 2025)). They are the lowest split limits the law allows (a combined single limit of $90,000 is the alternative noted above), not a measure of what a business needs, and commercial and for-hire vehicles can face different or higher federal or state requirements.
Does Utah require employers to pay into a paid leave program?
No, according to NCSL's table, last updated November 7, 2025: Utah has no state paid family and medical leave program and no state temporary disability insurance program. Confirm before planning a future payroll year.
About this article
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This content is for informational purposes only and does not constitute insurance advice. Always consult with a licensed insurance professional before making coverage decisions.