A Little Bit About WCF Insurance

WCF Insurance has come a long way from its beginnings in 1917. Today, WCF Insurance is an innovative insurance provider with nationally offered products and services. We are committed to providing excellent customer service, building strong business partnerships, keeping workers safe, and high-touch claims management.

Executive Team
Board of Directors
2020 Annual Report

From the Beginning

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, policymakers in Utah debated how to best formulate its system. After much discussion, policymakers agreed that a state fund should be created to compete with insurance carriers. WCF Mutual Insurance Company, then known as the State Insurance Fund and later named Workers Compensation Fund, was established with a $40,000 loan from the state, which it repaid in 1922. Since then, WCF Mutual Insurance Company and its policyholders have seen many changes, but the company’s purpose and vision remain the same: to provide excellent customer service to its policyholders and their employees.

National Coverage

To better serve WCF Mutual Insurance Company's multistate customers, WCF National Insurance Company was acquired in 1998 to write workers' compensation outside Utah. Today, WCF National Insurance Company is licensed in all 50 states and the District of Columbia. (Stop gap coverage is available in the monopolistic states.) WCF National Insurance Company has extensive experience, knowledge, and resources in many states and is an excellent resource on multistate or single state workers' compensation. Five claims offices are maintained in the western U.S.: Arizona, California, Colorado, Idaho, and Utah. With a national scope built on personalized local service, our mission is to provide an excellent insurance experience for our customers and stakeholders.

Legal Notice

WCF Insurance is the common brand mark and brand name for both WCF Mutual Insurance Company and WCF National Insurance Company.

WCF Mutual Insurance Company, NAIC No. 10033, is a mutual insurance company domiciled and licensed in Utah.

WCF National Insurance Company, NAIC No. 40517, formerly known as Advantage Workers Compensation Insurance Company, is a stock insurance company domiciled in Utah and licensed in all 50 states and the District of Columbia. California Certificate of Authority 2971-3.

WCF National Insurance Company is a wholly owned subsidiary of WCF Mutual Insurance Company. Both companies hold an A rating with AM Best.  

All business is conducted under the proper name of the company as licensed and authorized in the respective state.
Both companies are headquartered at 100 W Towne Ridge Pkwy, Sandy, UT 84070.