Workers’ comp insurance cost for carpenters in Utah

Q: What does workers' comp cost carpentry contractors in Utah?

Modeled from the 2024 filed manual rate of $3.27 per $100 of payroll: a <5-employee carpentry shop lands around $1.4k–$5.6k per year before experience mods and schedule credits.

Q: What drives the rate up or down?

Three levers: payroll (the exposure base), claims history (the experience modifier), and schedule credits/debits the insurer applies. Finish carpentry work is NCCI class 5437 (Carpentry — Cabinet and Trim Work) — jobsite installation of cabinetry, interior trim, stairs, and millwork; framing and general carpentry (class 5403) and new-dwelling construction are rated separately.

Published 2026-06-11 · by Brokly

Direct answer: Utah carpentry contractors pay a filed workers’-comp manual rate of $3.27 per $100 of payroll (2024 filed rate) — the 41st-highest of 51 US jurisdictions. Modeled on real payrolls, most <5-employee carpentry contractors land around $1.4k–$5.6k/yr, before experience mods and schedule credits.

72% of UT carpentry contractors have <5 employees — the chart below prices every size band from its own observed payroll.
Utah sits 41st of 51: KS pays more ($3.88), AZ less ($2.90).
Workers’ comp is one of several coverages — see everything your carpentry shop needs in Utah →

What do Utah carpentry contractors pay for workers’ comp?

Modeled annual premium across the real size distribution of UT carpentry contractors

bar height = how many carpentry contractors are that size · figures = modeled annual cost

typical · most UT carpentry contractors

▼

<5 emp

≈$2.2k/yr

5–9 emp

≈$9.1k/yr

10–19 emp

≈$22k/yr

20–49 emp

≈$50k/yr

SMALLER

MID-SIZE

LARGER

A <5-employee UT carpentry shop: modeled $1.4k–$5.6k/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 696 UT carpentry contractors fall in each size band.

Cohort: size distribution of 696 UT carpentry contractors (Census CBP 2023); premiums modeled from one filed rate ($3.27/$100 payroll, 2024). Bands shown cover 688 of 696 establishments (98.9%) — 8 establishments in larger, very small-count, or data-suppressed size bands are not shown. 2023 payroll dollars, not inflation-adjusted. Illustrative benchmark — not a quote or coverage recommendation.

Filed manual rate (UT)

$3.27 / $100 payroll

as of 2024

Typical <5-employee carpentry shop (72% of UT)

$1.4k–$5.6k / yr modeled

as of 2024 · CBP 2023

Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04) · US Census County Business Patterns 2023, state file (Finish carpentry contractors (NAICS 238350)) (as of 2023, retrieved 2026-06-05)

How does Utah compare to nearby ranks?

Calculated manual rates, $ per $100 payroll, NCCI class 5437 (Carpentry — Cabinet and Trim Work), 2024. See all 51 jurisdictions →

Rank	State	Rate / $100 payroll
37	Virginia	$3.76
38	Delaware	$3.74
39	Kentucky	$3.52
40	Wyoming	$3.32
41	Utah	$3.27
42	Nevada	$3.26
43	Tennessee	$3.15
44	Massachusetts	$3.07
45	Texas	$2.93

Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04)

Frequently asked questions

What does workers' comp cost carpentry contractors in Utah?

Modeled from the 2024 filed manual rate of $3.27 per $100 of payroll: a <5-employee carpentry shop lands around $1.4k–$5.6k per year before experience mods and schedule credits.

What drives the rate up or down?

Three levers: payroll (the exposure base), claims history (the experience modifier), and schedule credits/debits the insurer applies. Finish carpentry work is NCCI class 5437 (Carpentry — Cabinet and Trim Work) — jobsite installation of cabinetry, interior trim, stairs, and millwork; framing and general carpentry (class 5403) and new-dwelling construction are rated separately.

Carpenters in nearby-ranked states: Tennessee ($3.15) · Massachusetts ($3.07) · Texas ($2.93) · Virginia ($3.76)

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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 696 Utah carpentry contractors; your premium depends on your payroll, claims history, and carrier.