In 1917, the Utah Legislature passed a workers’ compensation act, requiring all employers to have insurance for their employees. The system was established to protect both the employee and the employer from financial ruin that a workplace accident could cause.

Because workers’ compensation insurance was new to the entire country, policy makers in Utah debated how to best formulate Utah’s system. After much discussion, it was agreed that a state fund should be created to compete with insurance carriers. WCF Insurance was established with a $40,000 loan, which it repaid to the state in 1922. Since then, WCF Insurance and its policyholders have seen many changes, but the company’s purpose and vision remain the same: to provide excellent customer service to our policyholders and their employees.