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Utah Business Insurance

Utah Business Insurance

Need Utah business insurance? We make it easy for business owners in the Beehive State to get affordable insurance for their business.

Rather speak with an insurance agent? Call us: (877) 334-7646

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Affordable Small Business Insurance in Utah

Utah’s economy runs on small businesses. The state has 371,569 small businesses (99.4% of all Utah businesses) employing 690,069 people—45.4% of the workforce.

If you own a business in the Beehive State, you need quality business insurance to protect you from the unforeseeable and unplanned.

Types of Utah businesses we insure:

What Business Does Utah Require?

State requirements

  • Workers’ compensation: With a few exceptions, every employer must provide workers’ compensation coverage for all employees (Utah Code §34A-2-201
  •  Utah also offers a Workers’ Compensation Coverage Waiver program for certain owner-only entities and qualifying independent contractors (no employees).
  • Commercial auto (if you drive for business): As of Jan 1, 2025, Utah’s minimum auto liability limits are 30/65/25 ($30,000 bodily injury per person / $65,000 per accident / $25,000 property damage). Utah also requires Personal Injury Protection (PIP) with at least $3,000 in medical benefits.

Common contractual or licensing requirements (not state law)

  • Leases & client contracts: Contracts and commercial leases often require General Liability (landlord/client listed as Additional Insured) and may specify Property/Business Interruption, Commercial Auto, Workers’ Comp, or Professional Liability.
  • Licensed trades (e.g., contractors): Certain trades must maintain general liability insurance and workers’ comp or a waiver to keep an active license.

Every business is different, but most Utah businesses start with these core protections:

How Much Does Business Insurance Cost in Utah?

Setting prices for Utah commercial insurance is unique to each business. Insurance carriers look at your industry and operations, revenue/payroll/headcount, claims history, vehicles and drivers, building and equipment details, coverage limits and deductibles, and risk controls (contracts with subs, cyber hygiene, safety programs). The most reliable way to price your risk is to start a quote and compare options side by side.

What’s Needed for a Utah Business Insurance Quote

Having these details handy speeds things up and improves pricing accuracy:

  • Business basics: Legal name, FEIN, entity type, years in business, website, description of operations, and locations.
  • Exposure data: Annual revenue, payroll by class/role, number of employees, subcontractor use and cost, square footage, equipment/stock values.
  • Vehicles & drivers (if Commercial Auto): Year/make/model/VIN, garaging addresses, use, and driver lists with license states.
  • Current coverage: Policies in force, limits/deductibles, effective dates, and loss runs (typically 3–5 years).
  • Professional/Cyber (if applicable): Services offered, contract types, data collected/stored, security controls (MFA, backups, endpoint protection).

Why Choose IronPoint for Your Business Insurance?

  • Independent choice: We shop multiple carriers so you don’t have to.
  • Arizona know-how: Practical guidance on state rules and the realities of leasing, contracting, and scaling locally.
  • Speed with substance: Fast quotes without cutting corners—get options, not just a price.
  • Service that sticks: Certificates same day, proactive renewals, and help when claims happen.
  • Modern tools: Digital applications, paper-light workflows, and side-by-side comparisons to make decisions easy.
Arizona Business Insurance Quote

Get an Utah Business Insurance Quote

Compare Utah business insurance quotes and rates. We make it fast, safe, and secure.

Call 1-877-334-7646 to speak with a business specialist

Utah Business Insurance FAQs and Resources

Do Utah businesses have to carry workers’ compensation insurance?

Yes—most employers must provide workers’ compensation for their employees, with limited exceptions. Utah also offers coverage waivers for certain owner-only entities and eligible independent contractors.

What are the minimum auto liability limits for business vehicles in Utah?
At least 25/50/15 ($25k per person, $50k per accident for bodily injury, and $15k property damage). Certain operations and contracts may require higher limits.
Is general liability insurance required by Utah law?
Not by statute, but it’s commonly required by leases and client contracts and is considered foundational protection for most businesses.
What’s the difference between a BOP and General Liability?
A BOP bundles General Liability with Property (and usually Business Interruption). General Liability alone doesn’t cover your own property or lost income.
I use subcontractors, does that change my coverage needs?
Usually yes. Carriers often require written contracts, proof of subs’ insurance, and may rate differently if subs are uninsured. Public-project work or licensed trades can trigger additional requirements.
How fast can I get a Certificate of Insurance (COI)?
Typically same day once coverage is bound—often within minutes for standard requests.
What information should I gather before I request quotes?
Company details, revenue and payroll, operations summary, vehicles/drivers (if any), prior insurance, and 3–5 years of loss runs (if available).