# Utah contractor insurance requirements

> What Utah law says about workers' comp, contractor license insurance and indemnity clauses, and what to check on a contractor COI for a project there.

Reviewed Oct 28, 2026 by Forsured. Source: https://forsured.ai/coi-requirements/utah/

## The short version

- Workers' comp required at: 1 employee
- License insurance minimum: $100K/$300K (rising)
- Anti-indemnity statute voids: Sole negligence; reaches additional insured

## Workers' comp in Utah

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

Agency: [Utah Labor Commission, Industrial Accidents Division](https://laborcommission.utah.gov/divisions/industrial-accidents/employers/employers-guide-to-workers-compensation/)

## 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.

## Common questions

### Do contractors need workers' comp in Utah?

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

### Does Utah require contractors to carry general liability 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.

### Can a Utah construction contract make a contractor cover another party's negligence?

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.

## Sources

1. [Utah workers' comp requirements](https://onpay.com/insights/workers-comp-requirements-by-state/utah/), OnPay, Jan 2026
2. [Utah Admin. Code R156-55a-302d, Proof of insurance](https://www.law.cornell.edu/regulations/utah/Utah-Admin-Code-R156-55a-302d), Legal Information Institute
3. [Utah DOPL contractor liability insurance: $1M / $2M (April 2026)](https://gritinsurance.com/blog/utah-dopl-contractor-liability-insurance-1m-2m-april-2026), GRIT Insurance, 2026
4. [Anti-Indemnity Statutes in All 50 States (2023)](https://grsm.com/wp-content/uploads/2023/10/Anti-Indemnity-Statutes-2023.pdf), Gordon Rees Scully Mansukhani, 2023
5. [Another State Joins List of "Anti-Additional Insured" States](https://blogs.duanemorris.com/constructionlaw/2012/01/05/another-state-joins-list-of-anti-additional-insured/), Duane Morris Construction Law Blog, 2012
6. [State Workers' Compensation Officials](https://www.dol.gov/agencies/owcp/wc), U.S. Department of Labor

General information, not legal advice. Confirm with the state agency, your broker or your attorney.

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