Protect Your Plumbing Business with Workers' Compensation Insurance in Utah
Part of our guide to plumbers insurance in Utah.
You need workers' compensation insurance if you hire employees in Utah. Workers' compensation insurance pays for medical bills and lost wages when employees are injured on the job. In Utah, this coverage is required as soon as you hire your first employee. Without it, you risk paying out of pocket for medical bills and lost wages, which can be devastating to your plumbing business. Utah's unique risk environment, including the Wasatch Front earthquake risk and severe wildfire risk, increases the likelihood of on-the-job injuries.
Workers' Compensation cost for plumbers in Utah
Illustrative monthly workers comp estimate for a small plumber operation in Utah. Actual pricing depends on revenue, payroll, coverage limits, claims history, and carrier. Get a personalized quote to see your real price.
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What Workers' Compensation Covers for Plumbers in Utah
Workers' compensation insurance pays for medical bills and lost wages when employees are injured on the job, such as slips, falls, or equipment-related accidents. For example, if an employee falls off a ladder while working on a plumbing job in West Valley City, workers' compensation insurance would cover their medical bills and lost wages. However, it does not cover damage to tools and equipment, which is typically covered under a separate policy like tools and equipment insurance. Another example is if an employee is injured while driving to a job site in Provo, workers' compensation insurance would cover their medical bills and lost wages, but not the damage to the vehicle, which would be covered under a commercial auto policy.
Do Plumbers in Utah Need Workers' Compensation?
In Utah, workers' compensation is generally required as soon as you hire your first employee. This means that if you have even one employee, you need to have workers' compensation insurance to comply with Utah's workers' comp requirements. Going without workers' compensation insurance can result in significant fines and penalties, as well as putting your business at risk of paying out of pocket for medical bills and lost wages. For example, if you have an employee who is injured on the job and you don't have workers' compensation insurance, you could be liable for their medical bills and lost wages, which could be devastating to your plumbing business.
A Real Workers' Compensation Claim a Plumber Could Face
On a humid morning in Salt Lake City, an employee of a plumbing business was injured while working on a job site. The employee fell off a ladder and broke their ankle, requiring surgery and several weeks of recovery time. The workers' compensation insurance policy paid for the employee's medical bills, which totaled $10,000, and also paid for their lost wages, which totaled $5,000. The business owner did not have to pay out of pocket for these expenses, thanks to the workers' compensation insurance policy. The policy also helped the business owner to avoid a potential lawsuit from the employee, which could have resulted in significant legal fees and damages.
What Workers' Compensation Costs for Plumbers in Utah
The cost of workers' compensation insurance for plumbers in Utah can vary, but estimated premiums range from $55-$215/month. The cost of the policy depends on several factors, including the business's payroll, revenue, and claims history. For example, a plumbing business with a high payroll and a history of claims may pay more for workers' compensation insurance than a business with a lower payroll and no claims history. The Wasatch Front earthquake risk and severe wildfire risk in Utah can also increase the cost of workers' compensation insurance, as these risks can increase the likelihood of on-the-job injuries. However, by implementing safety protocols and reducing the risk of accidents, businesses can lower their workers' compensation premiums.
How to Get Workers' Compensation in Utah
To get workers' compensation insurance in Utah, you should gather information about your business, including your payroll, revenue, and claims history. You should also consider the coverage limits and deductible you need, as well as any additional features you may want, such as coverage for temporary workers. It's a good idea to compare quotes from multiple insurance providers to find the best rate for your business. In West Jordan, for example, you can work with a licensed insurance agent to find a workers' compensation policy that meets your needs and budget. By bundling workers' compensation with your other core policies, such as general liability and commercial auto, you may be able to lower your total premium. Get your quote today and protect your plumbing business from the risks of on-the-job injuries.
Frequently asked questions
Will my Workers' Compensation premium jump after one claim?＋
Yes. A claim can increase your premium. The amount of the increase depends on the severity of the claim and your business's overall claims history. For example, if you have a claim that results in a significant payout, your premium may increase more than if you have a smaller claim. However, by implementing safety protocols and reducing the risk of accidents, you can minimize the impact of a claim on your premium.
Can I get a COI same-day for a client?＋
Yes. Many insurance providers offer same-day COIs for clients. You can typically request a COI online or through your insurance agent, and it will be issued immediately. However, some insurance providers may require additional information or documentation before issuing a COI, so it's a good idea to check with your provider ahead of time to ensure you can get a same-day COI.
Does a sole proprietor need Workers' Compensation?＋
No. Sole proprietors are not required to have workers' compensation insurance in Utah, as they are not considered employees. However, if you hire employees, you will need to have workers' compensation insurance to comply with Utah's workers' comp requirements. As a sole proprietor, you may still want to consider purchasing workers' compensation insurance to protect yourself in case of an injury, but it is not mandatory.
What is not covered by Workers' Compensation?＋
Workers' compensation insurance does not cover damage to tools and equipment, which is typically covered under a separate policy like tools and equipment insurance. It also does not cover injuries that occur outside of work or that are not related to the job. For example, if an employee is injured while commuting to work, workers' compensation insurance would not cover their medical bills or lost wages.
Can I cancel my Workers' Compensation policy at any time?＋
Yes. You can typically cancel your workers' compensation policy at any time, but you may be subject to a penalty or fee for early cancellation. It's a good idea to check your policy terms and conditions before cancelling to understand any potential penalties or fees. You should also consider the risks of not having workers' compensation insurance, as you could be liable for medical bills and lost wages if an employee is injured on the job.
Do I need to list my clients as additional insureds on my Workers' Compensation policy?＋
It depends. Some clients may require you to list them as additional insureds on your workers' compensation policy, while others may not. It's a good idea to check your client contracts and agreements to see if this is a requirement. Listing a client as an additional insured can provide them with additional protection in case of an injury or accident, but it may also increase your premium.
Can I purchase Workers' Compensation insurance online?＋
Yes. Many insurance providers offer online quotes and purchasing options for workers' compensation insurance. However, it's a good idea to work with a licensed insurance agent to ensure you are getting the best rate and coverage for your business. An agent can help you navigate the purchasing process and ensure you are complying with Utah's workers' comp requirements.
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Other coverages plumbers in Utah should know
This article is for general educational purposes and is not insurance or legal advice. Coverage requirements and pricing in Utah change over time and vary by business. Verify current rules with the Utah Department of Insurance and a licensed agent before purchasing a policy.