Utah contractor insurance requirements

Workers' comp in Utah

Nearly every Utah employer with one or more employees must carry workers' comp.

The agency in charge is the Utah Labor Commission, Industrial Accidents Division. It can tell you whether a specific business needs coverage, and most states let you look up an employer's policy online.

Contractor licensing and insurance

Utah's Division of Professional Licensing (DOPL) requires licensed contractors to keep general liability in force, naming DOPL as certificate holder. The published rule sets $100,000 per incident and $300,000 total. In April 2026, Utah's Construction Services Commission was reported to have voted to raise the minimum to $1,000,000 per occurrence and $2,000,000 aggregate. Check DOPL for the amount in force today.

Indemnity and additional insured clauses

Utah's anti-indemnity statute (Utah Code Ann. § 13-8-1) voids construction contract clauses that make a contractor indemnify another party for that party's sole negligence. Clauses that cover shared fault are generally allowed. The statute also reaches insurance: a contract can't use an additional insured requirement to get coverage for the other party's negligence that the indemnity rule forbids.

What to check on a contractor COI for a Utah project

1. Workers' comp. Nearly every contractor with employees needs it in Utah. A contractor with a crew and no workers' comp on its COI is a gap. For an out-of-state contractor, confirm Utah is listed on the workers' comp policy.
2. General liability. A Utah license only shows the contractor met the state's floor. Compare each limit on the COI with your project requirements, which are usually higher.
3. Additional insured. In Utah, the anti-indemnity statute also limits what an additional insured requirement can do. Ask your broker or attorney which wording holds up, then check that the endorsement on file matches it.
4. Dates. Every policy should run through the end of the job. A COI only shows coverage on the day it was issued, so check again at each renewal.

Forsured checks every contractor COI against your project requirements, then keeps checking for the life of the project. Send us one project's requirements and a contractor COI or two for a free COI risk check.