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
2021 Annual Report
Diversity, Equity, and Inclusion

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 Mutual acquired WCF National Insurance Company in 1998 to write workers' compensation outside Utah. Today, WCF National Insurance Company is licensed in all 50 states and the District of Columbia to offer workers’ compensation insurance. (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. WCF National maintains five claims offices 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 WCF Mutual Insurance Company, WCF National Insurance Company, and WCF Select 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, is a stock insurance company domiciled in Utah. California Certificate of Authority 2971-3.

WCF Select Insurance Company, NAIC No. 21865, is a stock insurance company domiciled in California. California Certificate of Authority 0742-7. California office address: 2998 Douglas Blvd, Ste 230, Roseville, CA 95661

WCF National Insurance Company is a wholly owned subsidiary of WCF Mutual Insurance Company. WCF Select Insurance Company is a wholly owned subsidiary of WCF National Insurance Company

The 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.


The companies are headquartered at 100 W Towne Ridge Pkwy, Sandy, UT 84070.