Utah Contractor Practice Exam

What type of insurance must employers provide their employees for on-the-job injuries in Utah?

1. Health insurance

2. Life insurance

3. Workers' compensation insurance

4. Disability insurance

The correct answer is: Workers' compensation insurance

In Utah, employers are required to provide workers' compensation insurance to their employees to cover on-the-job injuries. This type of insurance is specifically designed to provide medical benefits, rehabilitation, and wage replacement for workers who are injured or become ill as a result of their work. Workers' compensation aims to ensure that employees receive necessary care and compensation without having to prove fault, thus protecting both the worker and the employer. Health insurance, while important for overall healthcare coverage, does not specifically address workplace injuries or the job-related incidents that workers' compensation is meant to cover. Life insurance pertains to providing benefits to beneficiaries in the event of an employee's death, which is unrelated to on-the-job injuries. Disability insurance offers income replacement for individuals who cannot work due to injury or illness, but it may not specifically cater to job-related incidents in the same manner as workers' compensation. Thus, workers' compensation insurance is a distinct and necessary requirement for protecting employees from the specific risks associated with their work environment.