Utah Code § 31A-20-101 : — Insurance CodeUnderwriting Restrictions —20-101 - Underwriting limitations TEXT PDF No insurer may insure or attempt to insure against: (1) a wager or gaming risk; (2) loss of an election; (3) the penal consequences of a crime; or (4) punitive damages. Utah Code § 31A-20-101 Amended by Chapter 204, 1986 General Session