WCF has insured Utah employers since 1917. WCF is a non-profit mutual insurance company managed by a board of directors. WCF is financed entirely by premium payments from customers and investment income. WCF is not just another insurance company. It's your insurance company - owned entirely by policyholders. This entitles policyholders to share in the Company's financial success with dividends. WCF has distributed dividends every year for the last 20 years. Policyholder ownership also holds WCF accountable to employers and their employees. We offer some of the lowest workers compensation rates in the nation and provide exceptional service.