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Business Insurance in Utah

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Learn about Utah's insurance requirements

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What are the requirements for small business insurance in Utah?

State laws can affect which insurance policies you need for your small business. These policies are required for Utah businesses.
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Workers' compensation insurance

Utah employers are required to carry workers' compensation insurance, with a few exceptions. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

All business-owned vehicles in Utah must be covered by commercial auto insurance. Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

Utah’s commercial auto insurance requirements are:

  • Bodily injury liability: $25,000 per person / $65,000 per accident
  • Property damage liability: $15,000 per accident
  • Personal injury protection: $3,000

Recommended insurance policies for small businesses in Utah

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How much does small business insurance cost?

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Commercial insurance can be affordable for a small Utah business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
View Small Business Insurance Costs

Insureon specializes in Utah business insurance

In Utah, insurance agents, agencies, and brokers are licensed by the Utah Insurance Department. Insureon is licensed in Utah as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance (license number 348260) and for surplus lines (license number 412115). You can verify our licensure with the Sircon Corp. Verification System by selecting Utah, Agency, and then entering either of our Utah state license numbers.

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