Owning a business in Utah means having a lot of responsibilities. One of these is making sure the workplace is safe. Another is getting workers’ compensation insurance. This policy helps people facing medical expenses and lost wages if an employee gets hurt at work. It also protects the employee and the employer from having to pay for a big legal fight.
Workplace injuries can happen in any field, from building sites to shops to offices. Workers’ compensation insurance helps injured workers recover without putting money stress on them or their employer.
Utah’s workers’ compensation system operates without fault. This means employees can get benefits without showing that their employer has acted. In exchange, workers give up their right to sue their employer for job-related injuries.
Utah businesses can obtain coverage through three main options:
Utah’s workers’ comp system gives these benefits to hurt workers:
If a hurt worker can’t work, they might get temporary total disability (TTD) benefits covering two-thirds of their normal weekly pay until they get better.
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Utah employers without workers’ compensation insurance may face tough consequences such as:
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Employers can take action to cut down workplace injuries and reduce insurance costs:
When companies put money into safety, they protect workers and can lower their workers’ comp insurance costs over time.
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