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Punitive damages are financial penalties courts can order on top of regular compensation — meant to punish especially harmful or reckless behavior. This bill makes two changes to how punitive damages work in Utah: it prohibits insurance companies from factoring the possibility of punitive damages into their underwriting, ratings, or premium decisions; and it sets new rules for when an employer or business can be held responsible for punitive damages based on an employee's wrongdoing, requiring a plaintiff to prove by clear and convincing evidence that the employer itself acted willfully, maliciously, or recklessly — or that it authorized, approved, or was reckless in hiring or keeping the employee.