Utah Flooring Workers Comp Rates (2026)
Utah does not publish its flooring class figures online. Across the 26 states that do, the median typical premium is about $2.94 per $100 of payroll. Ask a carrier or the state's rating bureau for the current Utah figure.
No official Utah figure is available online, so the numbers below use the US median of the states that publish one.
Utah class code for flooring
- 5478: Floor Covering Installation - Resilient Flooring, Carpet and Laminate Flooring
- 5437 (Carpentry - Installation of Cabinet Work or Interior Trim, includes wood floor installation and sanding)
- 5348 (Tile, Stone, Mosaic or Terrazzo Work - Inside)
Flooring carries knee injury, back strain, silica dust from cutting tile or concrete, and adhesive vapor risks.
What comp costs per flooring installer in Utah
The Bureau of Labor Statistics counts 550 floor layers, except carpet, wood, and hard tiles on payrolls in Utah (May 2025), the 16th largest workforce of the 44 states with published figures. The median wage is $23.03 an hour, 15% below the US median of $27.15.
This trade is a bigger part of the Utah job market than it is nationally: floor layers, except carpet, wood, and hard tiles hold 2.1 times their national share of jobs there.
At the US median of $2.94 per $100 of payroll (Utah does not publish its figure online), comp on one worker at that wage costs about $0.68 for every hour worked, or $1,408 a year full time. A 2-person crew comes to roughly $2,817 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. Utah pay runs from $18.33 an hour at the 10th percentile to $43.36 at the 90th, so the same rate costs $0.54 an hour on a new hire and $1.27 on a senior hand.
Workers comp requirements in Utah
- Coverage required: 1 employee
- Owners and sole proprietors: Owners with no employees must file an annual Workers' Compensation Coverage Waiver to opt out
- State fund: Competitive state fund (WCF Insurance)
- Waiting period: 3 days; retroactive if disability lasts more than 14 days
- Penalty for going without: Fines of at least $1,000, scaling to three times the avoided premium
Utah requires an owner with no employees to actively file and annually renew a state waiver to stay exempt.
Utah vs neighboring states
- Colorado: about $2.39 per $100 of payroll
- Idaho: about $2.74 per $100 of payroll
- Wyoming: about $2.39 per $100 of payroll
Utah does not publish its figure, so the first row is the US median. Among neighbors that publish, Colorado is the cheapest for flooring comp at about $2.39 and Idaho the most expensive at about $2.74 per $100 of payroll.
Working across the line into Wyoming needs separate coverage from that state's fund. A private policy's other-states coverage (item 3.C) does not reach monopolistic states.
What moves a flooring comp bill
- Floor installers file knee, back, and repetitive-strain claims more than falls. Kneepads and lifting aids are cheap ways to keep the experience mod down.
- Tile, hardwood, and carpet installation can be separate classes in some states. If your crews do several, record payroll by type of work.
- Many flooring shops pay installers by the square foot as 1099 subs. If they cannot show their own coverage, the auditor counts what you pay them as your payroll.
- Showroom and sales staff who do not install can usually be rated as sales or clerical when their duties are documented.