Utah Contractors Insurance
With maximum discounts automatically applied for big savings, our Utah Contractors' Insurance programs provide the financial protection needed against unexpected business claims -
Why do I need Contractors Insurance?
Contractors’ insurance protects against the financial risks present at all stages of business operations.
When regarding the Utah construction industry, hazards and risks go hand-in-hand. Construction site risks are unavoidable, leaving only time before an incident occurs. Whether contractors are working at elevated heights or below grade, the risk of falling, being struck by objects, electrocutions, or equipment mishaps leaves no stone unturned regarding the need for a regimental insurance package to protect against employee injury or third-party property damage.
The solution is preparation, aiming to alleviate these risks by placing a financial hedge around your business with an affordable, highly-rated Utah contractors’ insurance portfolio.
Protect Against the Unpredictable
Utah is known for its stringent licensing regulations and mechanics lien laws. State regulators have no problem issuing heavy fines and severe penalties for not complying with state mandates.
We encourage all contractors planning to operate in Utah to visit the Utah Division of Occupational and Professional Licensing to verify licensing and insurance requirements.
With low premiums that fit any business budget, our contractors’ insurance experts are on standby to assist Utah builders and tradesmen with the necessary options to protect your business from unforeseen third-party action.
Our Recommended Products
General Liability
General Liability
Utah contractors’ general liability insurance forms the basis for a well-balanced commercial insurance portfolio.
Utah contractor general liability insurance protects your company against third-party bodily injury and property damage claims.
A Utah contractors’ general liability policy protects against:
- Business Liability
- Contractual Liability
- Products-Completed Operations
- Defense Costs
Workers' Comp
Workers' Comp
Utah contractors’ workers’ compensation insurance is a “no-fault” policy, where company employees are entitled to benefits for workplace injuries or illnesses, regardless of who caused the accident.
Utah contractor workers’ comp insurance protects business owners from the financial liability of injured employees’ medical costs.
Non-compliance with Utah contractors’ workers’ compensation regulations can result in hefty fines and severe penalties.
We urge all Utah contractors to visit the Utah DOPL website to verify all workers’ comp regulations.
Surety Bonds
Surety Bonds
The Utah Division of Occupational & Professional Licensing requires a Utah contractor license bond to provide a financial guarantee for the licensing office.
Most project owners and government organizations require a Utah contractors’ surety bond to bid or perform operations on a construction project.
A Utah contractors’ surety bond protects contracted parties if the obligations are not complete as agreed to in the bid.
We urge Utah contractors to visit the Utah DOPL website to verify the Utah contractor surety bond regulations required to comply with state mandates.
Commercial Auto
Commercial Auto
Utah contractors’ commercial auto insurance safeguards your company vehicles if you or an insured driver are liable for an at-fault accident.
Utah contractors’ commercial auto insurance provides coverage for your business vehicles and trailers when they or damaged in an accident, stolen, or vandalized.
A Utah contractor commercial auto policy can provide higher limits, hired and non-owned auto liability, no limits on the number of vehicles or drivers, and other endorsements not available on a personal auto policy.
Inland Marine
Inland Marine
Utah contractors’ inland marine insurance provides broad coverage for business property, such as products, tools, and equipment, while in transit over land or stored at an off-site location.
Also known as a Utah contractors’ inland marine policy or Utah contractors’ tool and equipment insurance, the contractor’ inland marine policy will reimburse your business for such common perils:
- Theft
- Fire
- Wind
- Hail
- Water damage
A Utah contractors’ inland marine policy provides “installation” risk coverage.
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