No. Employee injuries are covered under workers’ compensation insurance, which must be purchased separately.
Protecting Utah Livery Services With Workers’ Compensation
Livery businesses—including chauffeur services, limousine companies, shuttle drivers, black car services, and private transportation providers—face unique risks every day. Drivers transport passengers, lift luggage, maintain vehicles, and spend long hours on the road. Workers’ compensation insurance ensures your Utah livery business stays compliant with state laws while protecting your employees from unexpected injuries.
Our Promise to Business Owners
Even though livery services involve experienced drivers and trained staff, the risks of driving, assisting passengers, and handling luggage are significant. Workers’ compensation insurance protects drivers from road-related injuries, slips and falls, strains, and other on-the-job accidents while safeguarding your transportation business from costly lawsuits.
Tailored Protection for Your Business
Every business operates differently, which is why we focus on understanding the unique details of your structure, industry, and long-term goals. By evaluating your specific risks, we deliver coverage options that align with your operations and give you the protection that fits your needs—no guesswork, no generic plans.
Expert Support You Can Rely On
Our specialists bring years of hands-on experience working with business owners across Utah. From policy selection to risk assessment, we offer guidance based on real industry knowledge and a deep understanding of state insurance requirements. You can depend on us for steady, accurate support at every step.
Clear, Helpful Communication
Insurance doesn’t need to be confusing. We make the process easy by explaining your options in plain language, responding quickly, and staying accessible whenever you need help. Whether you’re reviewing your policy we’re here to make the experience simple and stress-free.
Core Workers’ Compensation Benefits
Medical Protection
Covers emergency care, doctor visits, physical therapy, and prescriptions after a work-related injury.
Wage Replacement
Provides partial income while injured drivers recover and are unable to work.
Rehabilitation Support
Helps employees regain their strength and safely return to the job through approved recovery programs.
Employer Liability Coverage
Protects your livery business from lawsuits tied to workplace or driving-related injuries.
- Local Utah expertise
- Fast response times
Local Knowledge
We understand Utah-specific laws, industry risks, and state insurance requirements. Our local insight helps us provide accurate, relevant, and dependable information.
Personalized Support
No two situations are the same. We take time to understand your business, your needs, and your concerns — then offer solutions made for you.
Fast, Friendly Assistance
Whether you're filing a claim or comparing policies, our team responds promptly and clearly, removing confusion and stress from the insurance process.
Supporting Utah Businesses
We simplify insurance for livery businesses across Salt Lake City, Ogden, Provo, St. George, and surrounding areas. Our goal is to help you understand your coverage, choose the right protection, and feel confident that your drivers and business are secure.
Why Livery Business Owners Choose Us
Trusted Local Knowledge
We understand Utah’s transportation industry, insurance requirements, and road-related risks.
Customized Planning
No two livery businesses are the same. We tailor coverage to match your operations, fleet size, and growth goals.
Reliable Guidance
Count on experienced professionals who support transportation and service industries every day.
Simple, No-Pressure Consultations
Get clear information and honest answers—without any obligation.
Workers’ Compensation Insurance
Protect Your Employees and Business
In Utah, workers’ compensation insurance is legally required for any business with employees. It covers medical bills, wage replacement, and rehabilitation costs when a driver or staff member is injured while working.
We Help You With:
Filing and managing workers’ compensation claims
Ensuring compliance with Utah laws
Understanding benefits for injured drivers
Supporting denied or disputed claims
Benefits:
Protects employees and their families
Shields your business from expensive lawsuits
Provides peace of mind with expert claims handling
Benefits:
Protects your employees and their families
Shields your business from costly lawsuits
Provides peace of mind with expert claims management
General Liability InsuranceProtect Your Business from Unexpected Risks
General liability insurance safeguards your business against claims of bodily injury, property damage, or personal injury caused during business operations. Even small businesses face risks that can lead to expensive lawsuits.
Coverage Includes:
Accidents occurring on business premises
Injuries caused by your products or services
Legal defense costs and settlements
Why It Matters:
General liability insurance is crucial for protecting your assets and ensuring your business can survive unexpected claims.
Utah Workers’ Compensation Made Simple
Navigating a work injury can feel overwhelming. Our mission is to make the process simple, transparent, and stress-free.
We provide easy-to-understand guidance on:
How Utah workers’ compensation works
What benefits you may qualify for
How to file or appeal a claim
What to do if your claim is denied
How much compensation injured workers typically receive
When to get legal help
We’re here to empower injured workers across Salt Lake City, Ogden, Provo, St. George, and all of Utah.
Why Choose Us
Why Utah Workers and Employers Trust Us
Local Expertise: Deep knowledge of Utah’s workers’ compensation laws.
Personalized Support: Tailored solutions for your unique situation.
Proven Track Record: Hundreds of successful claims supported each year.
Free Initial Consultation: No-obligation guidance to get started.
- Understand your rights and obligations under Utah law.
- Step-by-step instructions to file claims efficiently.
- Experienced staff familiar with Utah workers’ compensation regulations.
Optional Enhancements for Expanded Protection
Many livery businesses need more than basic workers’ comp. We offer additional coverage options for full protection:
Popular Add-Ons Include:
Professional Liability (E&O)
Commercial Auto Coverage
Umbrella Liability Insurance
Business Property Insurance
Tools & Equipment Coverage
Cyber Liability (for booking/payment systems)
These enhancements help secure every part of your transportation business, giving you peace of mind and long-term protection.
Frequently Asked Questions
Yes. In Utah, workers’ compensation is required for all employees, including part-time, seasonal, and temporary drivers.
Yes. Injuries sustained while driving, loading luggage, or assisting passengers are generally covered under workers’ compensation.
If the driver is injured while driving for work purposes, medical treatment and wage benefits are covered—even if the accident wasn’t their fault.
Typically, independent contractors are not automatically covered, but misclassification can lead to penalties. We help you determine correct classifications.
Workers’ compensation can cover repetitive-motion injuries caused by lifting luggage, long driving hours, or job-related strain.
Protect Your Employees and Your Business Today
Whether you are filing a workers’ compensation claim or securing insurance coverage for your Utah business, Worker Comp For Utah is here to guide you every step of the way. Get the coverage you need and the peace of mind you deserve.