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Directory · Utah · Workers' compensation

Who writes workers' compensation in Utah

Top insurer groups from the NAIC market share report; the state's list carries no lines of authority.

Wcf Insurance Co. Group wrote the most workers' compensation in Utah in 2025, $226.7M and 45.9% of the state's premium; the top five groups hold 66%. Utah's company list doesn't say which lines each company is licensed for, so the ranking below is the NAIC's top 10 groups; every licensed company is on the Utah page.

By Sam Alishahi, independent insurance broker · All lines in Utah

Top 10 · NAIC table: 16 - Workers Compensation

The insurer groups that write the most workers' compensation in Utah

Top 10 insurer groups by direct premium written in 2025, from the NAIC's Market Share Reports for Property/Casualty Groups and Companies by State. A group is the parent and its insurance companies together; share is the group's part of the state total for the line; loss ratio is losses incurred over premium earned.

#Insurer groupPremium writtenShareLoss ratioMember companies here
1Wcf Insurance Co. Group$226.7M45.87%35%WCF National Insurance Company, WCF Select Insurance Company, WCF Mutual Insurance Company
2Zurich Insurance Group$31.7M6.41%45%Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
3Travelers Group$24.4M4.94%25%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
4Hartford Fire & Casualty Group$23.7M4.80%14%Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
5Chubb Ltd Group$18.8M3.80%22%Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
6Auto Owners Group$15.4M3.11%64%Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
7Amtrust Financial Serv Group$11.0M2.22%49%Wesco Insurance Company, Technology Insurance Company, Inc., Security National Insurance Company, AmTrust Insurance Company
8Liberty Mutual Group$10.7M2.17%—Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
9ACUITY, A Mutual Insurance Company$9.2M1.87%25%—
10Old Republic Group$8.3M1.68%54%Old Republic Insurance Company, Great West Casualty Company, BITCO General Insurance Corporation, Pennsylvania Manufacturers' Association Insurance Company
Turned down?

Last resort for workers' compensation in Utah

Last resortLinesWhereHow to get in
Workers' comp residual marketsworkers' compNCCI pools in 27 jurisdictions; monopolistic state funds in ND, OH, WA, WY; CA State Compensation Insurance Fund is the statutory last resortNCCI online application (ACORD 130 and 133); NCCI's VCAP flags voluntary carriers interested in the risk; NC and MA use their own systems Texas has no residual market (coverage is optional for most Texas employers).Source
Surplus lines and Lloyd's open marketallall states, under each state's diligent-search rulesThrough surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last stepSource

Method and source

Source: the Utah insurance regulator company list, read 2026-10-18 and the surplus lines list. Source: Utah Insurance Department 2024 Annual Report (PDF; pages are laid out rotated 90 degrees and were parsed from character coordinates). ADMITTED = the report's Licensed Insurer Directory: every licensed company of every kind, with no NAIC code, no lines of authority and no company type; 'domicile' is its State Of Domicile column. 'type' was derived by this script, not printed by the Department: exact name match to the Domestic Insurer Directory (its Type column: P&C, Life, HMO, LHSO, Title), else an abbreviation-aware name match to the report's financial tables: Table E = P&C, Table F = Life/A&H, Table G = Title, Table H = Motor Club, Table I (health statement filers) by its sub-section = HMDI, Life/A&H, HMO, P&C or LHSO. Type '' (about 1%) means no confident match or an ambiguous one (e.g. 'United Amer Ins Co' appears in both Table E and F), so a P&C filter should keep '' rows for review. The directory's Date Organized is the incorporation date, not the Utah admission date, so 'since' is blank. SURPLUS LINES = the report's Surplus Lines Insurer Directory: name, mailing address and Type (P&C or L&H) only; no NAIC code, no domicile, no eligibility date. 'alien' is true only when the mailing address is outside the US or the name is a Lloyd's syndicate; Table A counts 244 surplus lines insurers (26 alien) but the directory lists about 100, so alien/IID insurers are largely missing. Names are kept exactly as printed (including the source typo 'Property aAnd Casualty'). "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.

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