If it is only you working
Owner-only applicants often need to review the WCCW path before submitting contractor license documents to DOPL.
Owner-only contractor path
Utah Contractor With No Employees: Workers Comp Waiver or Insurance?
If it is truly only you working in the business, your DOPL workers-comp document path may be a Utah Labor Commission Workers Compensation Coverage Waiver instead of a workers comp insurance policy.
DOPL document path
What to sort out before you submit
Sole proprietor vs LLC
The Utah Labor Commission lists sole proprietorships, partnerships, LLCs, and certain corporate officers/directors in its waiver eligibility discussion, but eligibility depends on facts.
No employees does not remove GL
DOPL still requires the general liability certificate path separately from the workers compensation waiver question.
If you later hire employees
Hiring employees can move the business from the waiver path to the workers comp insurance certificate path.
Important distinction
Prepare both sides of the application
A no-employee contractor may need a WCCW for the workers compensation question and still need a DOPL-ready general liability certificate for the liability insurance question.
Frequently asked questions
Utah Contractor With No Employees: Workers Comp Waiver or Insurance? FAQ
Do I need workers comp if I have no employees in Utah?+
For DOPL contractor applications, the no-employee path points to a Workers Compensation Coverage Waiver from the Utah Labor Commission rather than a workers comp certificate.
Does being a sole proprietor or single-member LLC answer the whole question?+
No. Entity type helps frame the question, but the actual worker setup, ownership, and eligibility requirements still need review.
Do I still need general liability with no employees?+
Yes. No employees does not remove the separate DOPL general liability certificate requirement.
Redoubt can help with the insurance side
Redoubt can help review your contractor setup for insurance document readiness, including general liability, certificates of insurance, and workers comp certificate questions. Redoubt does not issue the Workers Compensation Coverage Waiver.
Review my contractor setup