About

WCF Insurance has come a long way from its beginning in 1917. Today, WCF Insurance is an innovative, national insurance company committed to customer service, strong business partnerships and aggressive cost management.

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.

To better serve WCF Insurance's multistate customers, Advantage Workers Compensation Insurance Company (Advantage) was created in 1998 to write workers' compensation outside Utah. Today, Advantage is licensed in fifty states and the District of Columbia. Stop gap coverage is available in the monopolistic states. Advantage has extensive experience, knowledge and resources in a number of states, and can be an excellent resource on multistate or single state workers' compensation. Five claims offices are maintained in the western United States: Arizona, California, Colorado, Idaho, and Nevada.

Advantage is a wholly owned subsidiary of WCF Insurance and has an A rating with AM Best. With a national scope built on personalized local service, WCF Insurance provides excellent services to its customers and stakeholders.