Your workers compensation insurance solution in Utah, Arizona, Idaho, and Nevada
Utah Business Insurance Company (UBIC) offers admitted workers compensation insurance solutions tailored to the unique needs of small to mid-sized businesses in AZ, ID, NV, and UT. With deep underwriting expertise and a commitment to safety and service, UBIC delivers flexible solutions for challenging risks that may fall outside the typical underwriting box. Each account is evaluated individually, with no reliance on templates, allowing you to place a broad range of client types confidently.
Targeted Industries
- Artisan Contractors
- General Construction
- Roofing Operations
- Restaurants and Food Services
- Janitorial and Cleaning Services
- Most four-wall retail and service businesses
- Municipalities with less than 10% public safety exposure
- Light to moderate Transportation accounts
Program Highlights and Underwriting Guidelines
- Admitted markets through Companion Property and Casualty, Companion Commercial Insurance, and UBIC
- Minimum premium starting at $1,500
- Accounts with an experience mod up to 1.5 considered
- Work above 30 feet may be eligible with underwriter referral
- Guaranteed cost programs only
- Monthly self-reporting options available
- All accounts are pre-inspected before binding
Territories and Market Availability
This workers compensation program is available in Arizona, Idaho, Nevada, and Utah. UBIC offers admitted coverage in all available states, giving agents peace of mind and compliance confidence when placing business.
Why Work With UBIC?
UBIC specializes in workers compensation and approaches each submission with individualized underwriting. Whether you're working with a roofing contractor in Flagstaff or a restaurant group in Salt Lake City, UBIC’s deep understanding of industry-specific risks and proactive safety culture can help you deliver long-term value to your clients. All accounts undergo pre-binding inspections, ensuring transparency and reducing future surprises.
With competitive admitted markets and a focus on service and safety, UBIC is the carrier partner you can trust to support your workers compensation placements in the Southwest.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include artisan contractors, roofing and construction companies, restaurants, janitorial services, and various four-wall businesses in AZ, ID, NV, and UT.
Are there any experience mod limits for eligibility?
Yes, accounts should have an experience mod of 1.5 or lower to qualify for this program.
Is coverage admitted in all available states?
Yes, UBIC offers admitted workers compensation coverage in Arizona, Idaho, Nevada, and Utah.
Can accounts with work performed above 30 feet be considered?
Yes, these accounts may be eligible but must be referred to an underwriter for review.
What underwriting features help differentiate this program?
Each account is individually underwritten, all risks are pre-inspected before binding, and monthly self-reporting options are available for added flexibility.
Need help placing an account? Connect with a market specialist.