BUILD
โš ๏ธ Utah General Contractors

If Your Sub Has
No WC โ€” It’s
Your Problem.

Utah Law โ€” Workers Comp Act
If a subcontractor doesn’t carry workers comp coverage, they legally become your employee โ€” and you’re liable for their claims. Every uninsured sub on your job site is your exposure.

We manage WC compliance, subcontractor verification, payroll, HR, and benefits for Utah general contractors โ€” completely free to your company.

Free Construction Business Audit

Stop Carrying Your
Subs’ Risk. Free.

We’ll call within 48 hours with a free plan for your construction company.

Serving Salt Lake, Utah Valley, St. George & all of Utah

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100%
of GCs must verify
sub WC coverage
$1K+
daily fines for operating
without WC in Utah
48hr
our callback after
you submit
$0
your cost
ever
What Utah GCs Tell Us

The Problems Every
Growing GC Faces.

Utah construction is booming โ€” $145,000+ workers, billions in annual revenue. Here’s what’s holding back every GC trying to grow past 20 people.

โš ๏ธ

Sub Without WC = Your Liability

Utah law is clear: if a subcontractor doesn’t carry workers comp coverage, they become your employee and you’re liable for their claims. One uninsured sub injured on your job site can cost you tens of thousands and spike your WC rates for years.

GC liability for uninsured subs is automatic under Utah law
๐Ÿ“Š

Multi-Trade Payroll Is a Nightmare

Framers, electricians, plumbers, laborers โ€” all different NCCI codes, different pay rates, some on prevailing wage. Running payroll for a multi-trade construction company manually is one of the most complex payroll situations in any industry.

Construction payroll errors cost GCs $15,000+ annually on average
๐Ÿ’ธ

WC Audit Surprises Every Year

Annual WC audits are based on estimated payroll. If your project volume was higher than estimated, you get a surprise bill at audit time. Pay-as-you-go WC tied to actual payroll eliminates this problem entirely.

Most GCs overpay or face audit bills due to estimated payroll policies
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Prevailing Wage on Government Bids

Utah government construction projects require prevailing wage payroll reporting. Most GCs either avoid these bids or struggle with certified payroll compliance โ€” missing out on some of the most consistent, well-paying work in the state.

Prevailing wage violations can result in debarment from future government work
๐Ÿ‘ท

Can’t Keep Good Superintendents

Experienced superintendents and project managers leave for larger GCs offering full benefits packages. You’ve built your operation around key people โ€” and losing them mid-project is devastating to schedule and client relationships.

Replacing a superintendent costs $20,000โ€“$40,000 in recruiting and lost productivity
๐Ÿ“‹

No HR When the Job Site Gets Messy

Wrongful termination, harassment complaints, OSHA safety incidents โ€” construction job sites are high-risk HR environments. Growing GCs without documented policies and procedures are one incident away from a lawsuit they have no defense against.

Construction is one of the highest-risk industries for employment claims
Utah Sub WC Rules โ€” What Every GC Must Know
Sub has no WC coverage โ†’ They become your employee. You’re responsible for their claims, medical costs, and lost wages.
Sub has expired WC cert โ†’ Still counts as uninsured. An expired COI on file doesn’t protect you at audit or during a claim.
Sub hires additional workers โ†’ Those workers aren’t on your radar. If they’re injured, your policy may have to cover them.
Through a PEO โ†’ Sub WC verified, COIs tracked, your exposure managed. Audit-proof documentation year-round.
Pay-as-you-go WC โ†’ Premiums tied to actual payroll. No audit surprises, no large end-of-year bills.
Utah Law Reality Check

Your Subs Are Your
Biggest WC Risk.
We Fix That.

Most GCs don’t find out their sub was uninsured until the audit โ€” or until a claim gets filed. By then, the damage is done.

Sub COI verification โ€” every sub, every project, tracked and current
Pay-as-you-go WC โ€” premiums based on actual payroll, no audit surprises
Proper NCCI code classification for every trade on your payroll
Claims managed โ€” fast resolution, minimal experience mod impact
What We Set Up For You

One Call.
All Seven Handled.

Powered by American Benefits Company โ€” a full-service PEO built for growing Utah construction and GC companies.

๐Ÿฆบ
Workers Comp Management

Pay-as-you-go WC, sub COI verification, proper classification, managed claims. No audit surprises, no liability gaps.

Eliminates Sub Liability Risk
๐Ÿงพ
Multi-Trade Payroll

Handles multiple NCCI codes, prevailing wage, hourly, salary โ€” all running in one clean system with automated tax filings.

Zero Audit Exposure
๐Ÿฅ
Health Benefits

Keep your best superintendents, project managers, and foremen with group health and dental they can’t get elsewhere.

Retain Key People
๐Ÿ“
HR & Job Site Compliance

Handbooks, OSHA safety documentation, termination protocols โ€” built for construction environments where things go wrong.

OSHA Ready
๐Ÿ“ˆ
Retirement / 401(k)

Retain experienced project managers and supers with a 401(k) match. Give them a reason to build their career with you.

Long-Term Retention
๐Ÿ“’
Bookkeeping & Job Costing

Know exactly which projects are profitable. Monthly books, job cost reports, and tax-ready financials every month.

Know Your Margins
Common Questions

Utah GCs Ask Us This.

What exactly happens if one of my subs doesn’t have WC?โ–พ
Under Utah’s Workers Compensation Act, if a subcontractor you hire doesn’t carry their own WC coverage, they are legally treated as your employee for workers comp purposes. If they’re injured on your job site, your WC policy covers their claims โ€” including their medical costs, lost wages, and rehabilitation. This can cost tens of thousands of dollars and spike your experience modification rate for 3 years.
We have multiple trades on payroll. Can you handle different NCCI codes?โ–พ
Yes โ€” multi-trade payroll with multiple NCCI classification codes is our specialty for construction companies. Each employee is coded to their actual job function (framing, electrical, plumbing, laborer, superintendent, etc.), which ensures you’re paying the right WC rate for each trade and not overpaying by lumping everyone under the highest-risk code.
We bid on government projects. Can you handle prevailing wage payroll?โ–พ
Yes. Prevailing wage certified payroll reporting (Form WH-347) for Davis-Bacon and Utah state prevailing wage projects is handled within our payroll system. Weekly reports are generated automatically, fringe benefits are allocated correctly, and your records are audit-ready. This removes the compliance barrier that keeps many GCs from bidding on government work.
We use a mix of W2 employees and 1099 subs. Can you manage both?โ–พ
Yes โ€” managing the line between W2 employees and legitimate 1099 independent contractors is critical for GCs. We help ensure your W2 workforce is properly onboarded and your 1099 relationships are structured to withstand IRS scrutiny. We also verify and track sub COIs so you’re never caught exposed at audit time.
Is this free for our construction company?โ–พ
Yes. Peak Business Services earns a referral commission from American Benefits Company when we successfully place your business. You pay nothing for our advisory work or setup assistance. Your construction company never receives a bill from Peak.
Also Serving Utah Trades

We Help Every Trade
Across Utah.

Peak Business Services works with HVAC, roofing, electrical, plumbing, solar, and landscaping companies too.

Stop Carrying Your
Subs’ Risk.

Takes 90 seconds. Free for Utah general contractors. Always.

Get My Free Audit โ†’