In Utah, all employers with one or more employees must carry workers’ compensation insurance, which can be obtained through a private insurer or by becoming self-insured if they meet state requirements. Sole proprietors and partners are generally excluded from mandatory coverage but have the option to opt-in. Corporate officers and LLC members owning at least 10% of the company are also excluded unless they elect to be covered. Utah’s system ensures that injured workers receive necessary medical care, wage replacement, and rehabilitation services. The Utah Labor Commission oversees compliance, enforcing regulations and imposing penalties on employers who fail to provide the required coverage to protect workers’ rights and benefits.