Text us at: 385.351.8000

COVID-19 Guidance

WCF Insurance is committed to helping policyholders for the duration of this quickly evolving, public health emergency. 
Payment Options
We are aware that economic disruptions can cause financial challenges. We have a variety of payment options available and can adjust payroll and premium if there has been a reduction in staff. Please call your agent or WCF at (385) 351-8000 to discuss flexible payment options.

Safety Resources
WCF’s team of safety and health representatives are on hand to provide policyholders with up-to-date safety protocols and resources. We are currently offering weekly safety and health seminars via Zoom video conferencing. Attendance at these seminars will be considered the same as if attending in person. Those who are currently registered will receive a Zoom link in an email to connect to their seminar(s). Some seminars have been canceled because of factors that preclude the use of Zoom. We hope this option allows our customers to continue to take advantage of our health and safety seminar services. For workplace safety assistance, please call our team of dedicated safety representatives at (385) 351-8103.  Also, with a majority of employees working from home, access WCF's telecommuting safety resources here.
Stay informed with the following trusted and reliable sources for up-to-date guidance and information
- The Department of Public Health for your state will provide information specific to your area. Find a link to your state’s public health website here.
- The Rocky Mountain Center for Occupational and Environmental Health (RMCOEH) at the University of Utah provides support for the western region and is offering a free online course for employers to stay informed and prepare in the event the virus spreads. Register through their website here.
- At a national level, the Center for Disease Control (CDC) provides guidance for employers on prevention and mitigation as well as helpful information for employers on their website.
COVID-19 Claims
Before WCF Insurance can determine whether a specific claim is compensable, we must conduct a thorough investigation of the facts and a review of the state of the disease at the time and place of the alleged exposure. Medical evidence is key to determining compensability in any occupational-disease claim and, in the case of COVID-19, that evidence must include the most up-to-date epidemiological information. On March 11, 2020, the World Health Organization declared COVID-19 a pandemic, meaning that it is now present throughout most of the world. As the disease spreads and more community cases emerge, the chances decrease that any given case would be compensable, as illnesses that result from exposure that is common to the general public are typically excluded from workers’ compensation coverage. Nevertheless, there are jurisdiction-specific guidelines that influence compensability, so it is important to report any claims for illnesses that you suspect are related to an exposure at work. WCF has established a taskforce of medical, legal, and claims experts that will carefully review each claim we receive. If you have questions, please email claimsqa@wcf.com

WCF Office Visits
Currently, all WCF offices will remain open with regular business hours (8 a.m. to 5 p.m.) to perform essential functions. However, we strongly encourage you to avoid coming to the offices in person unless the visit is critical and time sensitive. For your safety and our employees’ safety, please remember that we can provide service by calling or texting (385) 351-8000 or through the chat feature on our website.

We will continue to evaluate other ways to support our policyholders for the duration of this situation. Be careful out there.
Additional Resources
Coronavirus Aid, Relief, and Economic Security Act: What Small Businesses Need to Know
Utah Department of Workforce Services
Idaho Department of Labor
California Labor & Workforce Development Agency
Nevada Department of Employment


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Insurance coverage in all states other than Utah is provided by WCF National Insurance Company, formerly known as Advantage Workers Compensation Insurance Company, a wholly owned subsidiary of WCF Mutual Insurance Company. WCF National Insurance Company is domiciled in Utah; NAIC No. 40517. Administrative office: P.O. Box 571918, Salt Lake City, UT 84157-1918.
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