Utah Plumbing Workers Comp Rates (2026)
Utah does not publish its plumbing class figures online. Across the 26 states that do, the median typical premium is about $2.25 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 plumbing
- 5183: Plumbing NOC & Drivers
- 5188 (Sprinkler Installation & Drivers)
Plumbing work involves back strain, cuts, burns from soldering and hot water, and work in crawl spaces and other confined spaces.
What comp costs per plumber in Utah
The Bureau of Labor Statistics counts 7,030 plumbers, pipefitters, and steamfitters on payrolls in Utah (May 2025), the 24th largest workforce among the 50 states and DC. The median wage is $29.76 an hour, 3% below the US median of $30.67.
This trade is a bigger part of the Utah job market than it is nationally: plumbers, pipefitters, and steamfitters hold 1.4 times their national share of jobs there.
At the US median of $2.25 per $100 of payroll (Utah does not publish its figure online), comp on one worker at that wage costs about $0.67 for every hour worked, or $1,393 a year full time. A 2-person crew comes to roughly $2,786 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. Utah pay runs from $21.09 an hour at the 10th percentile to $39.96 at the 90th, so the same rate costs $0.47 an hour on a new hire and $0.90 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 $2.58 per $100 of payroll
- Idaho: about $2.39 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, Idaho is the cheapest for plumbing comp at about $2.39 and Colorado the most expensive at about $2.58 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 plumbing comp bill
- Plumbing rates sit in the middle of the construction classes; the swing comes from your experience mod. Trench and excavation injuries are the costly claims, so trench-safety training pays back quickly.
- Some states split residential and commercial plumbing into different classes. If you do both, make sure the payroll for each is recorded so the cheaper work is not rated at the higher class.
- Apprentices carry the same class rate as journeymen, but their lower wages mean less premium per hour. Your payroll mix matters as much as the rate.
- Uninsured subs (excavators, drywall patchers) get added to your payroll at audit unless you collect certificates before they start.