An employer shall secure the payment of workers' compensation benefits for its employees
(1) insuring, and keeping insured, the payment of this compensation with an insurer
authorized under Title 31A, Insurance Code, to transact the business of workers' compensation
insurance in this state; or
(2) obtaining approval from the division in accordance with Section 34A-2-201.5 to pay direct compensation as a self-insured employer in the amount, in the manner,
and when due as provided for in this chapter or Chapter 3, Utah Occupational Disease
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