General Liability Insurance Utah

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What can be covered by General Liability insurance in Utah?

Non-employee injuries

Someone trips at your business and breaks their leg.

Property damage

You accidentally damage a client’s property.

Advertising harm

You’re sued for an improper image in your advertising.

Legal defense costs

You need an attorney for a lawsuit.

Table of Contents

What is General Liability insurance coverage?
Does Utah require General Liability insurance?
What small business might need General Liability insurance in Utah?
How much does General Liability insurance cost in Utah?
How NEXT helps Utah small business owners

What is General Liability insurance coverage?

If a passerby slips and falls on a freshly mopped floor, the cleaning company’s general liability insurance could help cover the medical bill. If electrical wiring causes a fire in a customer’s home, the contractor’s general liability policy could help pay attorney fees if they’re sued and help cover the cost of fire damage.

General liability insurance in Utah can help cover costs if someone you don’t employ claims that your business caused them bodily injury or destroyed their property and sues you. It can also help pay expenses if you’re accused of advertising injury or damaging someone’s reputation.

In Utah, 325,000 small businesses — 45.5% of Utah’s workforce — account for the majority of businesses in the state. General liability is often the first type of coverage purchased by self-employed professionals and small business owners.

Does Utah require General Liability insurance?

It’s a good idea for all businesses to carry general liability insurance, even though it’s not required by the state. Coverage can help provide a financial safety net after common accidents like slip-and-fall injuries and property damage.

General liability insurance can help provide:

Business growth

Clients may ask for a certificate of insurance before they’ll hire you for a job. Utah general liability coverage demonstrates your professionalism.

Financial assurance

If you’re accused of causing personal injury, damaging someone’s property or if you have to defend your business after a lawsuit, it can help pay expenses and keep your business running.

Leasing property

Many commercial landlords ask for proof of general liability insurance as a condition of a lease. If you plan to rent commercial space, you may need coverage.

Licenses and permits

For professional licensing, Utah requires some general contractors and handypersons to carry general liability coverage. Some licensing requirements depend on the value of your projects, so be sure to check with the state.

What small business might need General Liability insurance in Utah?

Some contracting professions, including general contractors, electricians and plumbers, are required to carry general liability coverage to obtain a license in Utah.²

Utah handymen are also required to obtain a license from the state, which involves providing a certificate of insurance for general liability policy.³

Most small businesses in Utah — painters in West Valley City, fast casual restaurants in Sandy, Orem-based housekeepers and more — should consider general liability insurance for its broad protections for common risks.

General liability can help pay out-of-pocket costs after accidents and lawsuits around bodily injury and property damage.

How much does General Liability insurance cost in Utah?

While the cost of general liability coverage in Utah will depend on your business operations and specific needs, the majority of NEXT customers pay $25 to $45 a month.**

Insurance carriers consider a number of factors when determining your small business insurance cost. These include:

The location of your business
Your profession
How many employees you have
The policy limits you select
If you have prior insurance claims

The best way to know how much you’ll pay for Utah general liability coverage is to get a free quote from NEXT. It takes less than ten minutes, and you’ll be able to purchase your policy online and download proof of insurance instantly.

You can also use our general liability insurance calculator for an estimate of insurance costs in Utah.

How NEXT helps Utah small business owners

We offer a fast and easy way for you to get a free general liability insurance quote, purchase coverage and instantly share a certificate of insurance. The entire process usually takes less than 10 minutes.

You can also chat with our Utah–based NEXT licensed agents if you need help or have questions.

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Other business insurance policies important for Utah small business owners

Additional coverage could also help protect your small business. You should also consider:

Workers’ Compensation insurance

Nearly every employer is required to have workers’ comp coverage for its Utah workers.⁴ This type of insurance can help pay medical expenses, rehabilitation costs and lost wages if employees are hurt on the job.

Commercial Auto insurance

If your business owns vehicles or drives for business, you’ll need commercial auto insurance.⁵ Utah requires all drivers to be insured, and personal auto policies won’t cover driving for business purposes.

Commercial Property insurance

Commercial property insurance can help pay for business property that’s damaged or destroyed after a covered event, such as water, fire or wind incidents. It can help protect your physical assets including inventory, equipment and buildings.

Professional Liability (E&O) insurance

Professional liability insurance, also called errors and omissions insurance, can help provide financial protection if someone claims that you made a professional mistake that cost them money. It can help cover damages and legal fees if you’re sued.

Sources

¹ U.S. SBA Small Business Profile Utah

² Utah Commerce Division of Professional Licensing – Contractors

³ Utah Commerce Division of Professional Licensing – Handyman

⁴ Utah Labor Commission Employers’ Guide to Workers’ Compensation

⁵ Utah DMV Vehicle Insurance Requirements

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See what our customers have to say about NEXT

Satisfied Customer

Best business insurance with the easiest process!

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Small business insurance

I thought next was easy to use, great rates and outstanding follow-up.

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Small start up

Thanks for helping a small startup. Was able to get the insurance I need for a cost I could afford.

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Easy to use

Great! Set everything up and got the insurance needed for my business without hassle and it was very easy and quick to navigate.

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Great!

Hassle free and great to work with. Affordable.

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Peace of mind

easy to apply and and customer service is very responsive

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Easy & affordable

This company makes the process very easy & affordable. Thank you for this service!!

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Easy to sign up and has what I need.

Only took about 10 minutes to have all my questions answered and get the plan I need for my business. Great price and easy to understand plan.

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Let’s find the coverage you need for your business

Business insurance is divided into different policies. We offer seven types so it's easy to design the coverage that fits your business.

General Liability

Protect yourself from accidents that cause physical injury or damaged property.

Professional Liability or Error and Omissions Insurance

Professional Liability/E&O

Shield yourself from lawsuits that claim your work errors caused financial losses.

Workers’ Compensation

Cover medical bills and lost wages if your employees have an accident at work.

Commercial Auto

Stay on the road with coverage for dents, tows and damage to someone else’s vehicle.

Tools & Equipment

Upgrade your general liability coverage to protect any gear that’s stolen, damaged or lost.

Commercial Property

Keep your building, inventory and equipment protected from fire or water damage.

Business Owner’s Policy

Combine general liability and commercial property into one policy to protect your business.

* 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.

**The cost data presented here are based on NEXT active customers in the U.S. who purchased general liability insurance over the previous 12 months. These data should not be considered a substitute for obtaining a quote specific to your business. These data were updated in July 2022.