Business Insurance in Utah

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Get small business insurance for your Utah business

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Recommended insurance policies for small businesses in Utah

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General liability insurance

This type of business liability insurance is important for all Utah businesses. It covers common third-party risks, and it's required by most commercial leases.

  • Customer bodily injuries
  • Damaged customer property
  • Libel and other advertising injuries
Professional liability insurance icon

Professional liability insurance

This liability policy, also called errors and omissions insurance (E&O), protects Utah businesses that provide professional services or advice. It covers lawsuits related to work performance.

  • Work mistakes and oversights
  • Professional negligence lawsuits
  • Late or incomplete work
Cyber liability insurance icon

Cyber liability insurance

This policy covers financial losses from data breaches and cyberattacks. It's recommended for Utah businesses that handle credit card numbers and other sensitive data.

  • Customer notification expenses
  • Fraud monitoring services
  • Data recovery costs
Business owner’s policy icon

Business owner’s policy

A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of business insurance.

  • Slip-and-fall injuries
  • Damaged customer property
  • Damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ comp insurance is required for all Utah businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Legal fees from employee injuries
Commercial auto insurance icon

Commercial auto insurance

This policy is required for business-owned vehicles in Utah. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.

  • Accidents involving commercial vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle
Looking for different coverage? See more policies.

Utah business insurance requirements

State laws can affect which business insurance coverage you need. These policies are required everywhere in Utah, from Salt Lake City to St. George.

Blue check mark

Workers' compensation insurance

The state of Utah requires employers to carry workers' compensation insurance, with a few exceptions.

This policy covers medical costs for work-related injuries and illnesses, and provides injured Utah workers with disability benefits. It also shields employers from legal costs in the event of a workplace injury.

Blue check mark

Commercial auto insurance

All business-owned vehicles in Utah must be covered by commercial auto insurance. This policy covers the cost of accidents involving work vehicles.

Utah’s minimum requirements for auto liability insurance and personal injury protection are:

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

Trucking companies may need additional coverage to comply with regulations.

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

How much does small business insurance cost?

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

  • Type of business and its risks
  • Business operations and location
  • Number of employees
  • Types of coverage purchased
  • Policy limits and other coverage options
View Small Business Insurance Costs
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Find the right policies and get your certificate of insurance

Insureon's licensed agents can help you find policies that fulfill Utah's requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.

In Utah, insurance agencies, agents, 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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