Tailored, easy and affordable insurance for general contractor business in Utah
NEXT offers a seamless experience with coverage, pricing and customer service that’s designed for general contractor business in Utah. Insurance packages often include:
- General liability
- Professional liability
- Workers’ compensation
- Tools & equipment
- Commercial property
You can save up to 25% on general contractor insurance in Utah
You can pay for your insurance monthly or annually and you can cancel instantly at any time.
Basic
Lowest Price
Commercial Auto
Combined single limit
$80,000
General Liability
Per occurrence
$300,000
Tools & Equipment
Per occurrence
$3,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$5,000
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$10,000
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
Easily find a custom Utah general contractor insurance package that's right for you
NEXT specializes in small business insurance, so you can easily find a custom insurance package that’s right for your general contractor business in Utah.
General Liability
Protection for the injuries, accidents and damage you cause
General liability insurance provides financial protection if an accident happens at your general contractor business, such as a customer injury or damages to someone’s property. It also provides coverage if you have to defend an accusation of libel or slander.
general liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Professional Liability (E&O)
Coverage against business mistakes and claims of negligence
Professional liability insurance is designed to provide protection to your general contractor business from unexpected expenses if you’re accused of a professional mistake, such as a customer saying you didn’t complete a job on time and wants you to pay for financial losses.
professional liability can help you pay for:
Legal defense costs
Legal judgments
Commercial Auto
For business owners who own or drive vehicles
Commercial auto insurance helps to protect your [cob] business from unexpected expenses if you or your employees are involved in a driving-related accident. Whether you have a single work truck or a small fleet of delivery vehicles, a commercial car insurance policy helps to keep you on the road.
commercial auto can help you pay for:
Medical expenses
Collision repairs
Rental reimbursement
Workers' Compensation
For business owners who hire employees
Workers’ compensation insurance provides a safety net for general contractor business owners and their employees after a workplace injury. It can help cover expenses for medical treatment, lost wages and other costs. You’re required to purchase coverage in most states as soon as you hire your first employee.
workers compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
Tools & Equipment
Protection for your gear and equipment
Tools and equipment coverage makes sure your gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If your tools are lost, damaged or stolen, this coverage will help pay for replacements or repairs.nTools and equipment insurance is available as an add-on to our general liability insurance.
inland marine can help you pay for:
Protection for your gear and equipment
Commercial Property
For business owners who own or rent physical spaces
Commercial property insurance helps to protect the items you need to run your general contractor business, including your inventory, equipment, furniture, fixtures and even the space that you lease or property that you own. If a fire damages a wall at your store and you have to close for six weeks during repairs, you’ll be glad you have commercial property.
commercial property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
How much does it cost to get general contractor insurance in Utah?
The exact amount that a general contractor business can expect to pay for business insurance depends on a number of factors, including:
- The kind of work you do
- How many employees you have
- The number of vehicles you use for work
- How long you’ve been in the industry
Business insurance typically costs a general contractor business in Utah about $22 each month.†
You automatically save 10% if you combine more than one type of policy together. For example, if you add a commercial auto policy to your existing general liability policy, you’ll save 10% right off the bat.
How important is it for a general contractor in Utah to have business insurance?
We know building a small business is an investment. To protect that investment, general contractor businesses in Utah need insurance to avoid financial losses. Business insurance can protect your from:
- Lawsuits. Without insurance, you might have to pay entirely out of pocket after an accident or mistake.
- Damage to the physical items you need to do business.
- Claims of work mistakes or negligence.
- Injuries if an employee gets hurt on the job. Insurance can pay for medical expenses and help cover lost wages.
NEXT is dedicated to helping you find the affordable general contractor insurance coverage you need to stay protected, meet legal requirements and satisfy your customers.
Frequently asked questions about general contractor business insurance
Here are some of the most common questions we get about general contractor business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.
Does NEXT Insurance offer general contractor business insurance in Utah?
Yes, NEXT Insurance offers tailored general contractor business insurance in Utah.
Does NEXT Insurance offer Tools & Equipment coverage for general contractor business in Utah?
Yes, NEXT Insurance offers General Liability, Professional Liability, Commercial Auto, Workers' Compensation, Tools & Equipment, Commercial Property coverage for general contractor business in Utah.
How does business insurance protect general contractors?
Our contractor insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:
Damage to someone’s property
Your ladder slips and crashes through a living room window. The general liability coverage in your insurance package could help pay for a replacement.**Accidents that hurt someone
A distracted homeowner trips over your extension cord, breaks their ankle and sues you. Your general liability coverage could also come into play here by helping to pay for medical costs and legal fees.Workplace injuries
Your employee has to get medical care and cancel some jobs after they slip and cut their finger with a drill. Workers’ compensation coverage with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.Injuries and damage involving your business vehicles
You get into a fender bender with your work truck that was ruled your fault. Commercial auto coverage can help pay for the repairs and some of the rental costs, depending on the policy limits. This coverage is also usually required by law for business-owned vehicles.Theft or damage to your tools
Motor failure puts your compressor out of commission. The tools and equipment insurance that is optional with your general liability coverage can help pay for replacement and repair costs.Damage to your own property
A water pipe bursts in your office and floods the entire space. Property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as fire, tornado or vandalism.How can I get a certificate of insurance (COI)?
Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.
What do I need to get an insurance quote online?
It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work.
You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.
How do you file an insurance claim with NEXT?
If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.
Get customized insurance wherever you do business
Learn more about insurance options in the states where you work.
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
More professions that are covered by NEXT
Appliance Technician, Carpenter, Concrete Contractor, Debris Removal, Drywall Contractor, Electrician, Excavation Contractor, General Contractor, Handyman, HVAC Contractor, Home Renovation Contractor, Mason, Insulation Contractor, Painters, Paving and Asphalt Contractor, Plumber, Roofing, Siding Installation Contractor, Solar Contractor, Snow Plowing, Welding, Tile, Stone and Flooring Installer, Paperhanger, Fence Installation Contractor, Lawn Care, Landscaping
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
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Number of businesses insured
Statistics as of November 2023