Our research-backed guide to best business insurance includes these frequently asked questions about Utah general liability coverage, providing clear answers based on MoneyGeek's comprehensive analysis:
Best General Liability Insurance in Utah
The Hartford offers the best general liability coverage in Utah, while NEXT provides the lowest rates starting at $84 per month.
Get matched to the best and cheapest general liability insurer for you below.
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Updated: November 26, 2025
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Commercial General Liability Insurance in Utah: Fast Answers
Which company offers the best general liability insurance in Utah?
The Hartford leads as the best general liability insurance company in Utah with an overall score of 4.60 out of 5, known for superior claims handling and competitive rates at $86 per month. NEXT ranks second with a 4.57 score, offering an excellent digital platform and slightly lower premiums at $84 per month.
Who offers the cheapest general liability insurance in Utah?
The cheapest general liability insurance companies in Utah are:
- NEXT: $84 per month
- The Hartford: $86 per month
- Simply Business: $92 per month
- Nationwide: $93 per month
- Progressive: $96 per month
Do Utah businesses legally need general liability insurance?
Utah doesn't mandate general liability insurance for most businesses statewide. However, licensed professionals like contractors and electricians often need specific coverage amounts for their permits. Local municipalities may impose their own requirements, and most landlords and clients demand proof of insurance before signing contracts.
How much does general liability insurance cost in Utah?
General liability insurance costs between $16 and $871 per month for small Utah businesses with two employees. The drone industry sees the lowest rates at $16 per month, while pressure washing businesses pay the highest at $871 per month. Your actual premium depends on your industry, location, coverage limits, and business size.
Best General Liability Insurance Companies in Utah
The Hartford is our top choice for general liability insurance in Utah, offering a strong mix of affordable rates and reliable customer service. NEXT also performs well for small businesses, with good customer support and flexible coverage options. Nationwide completes our recommendations by delivering solid financial stability and competitive pricing for Utah business owners.
| The Hartford | 4.60 | $86 |
| NEXT Insurance | 4.57 | $84 |
| Nationwide | 4.53 | $93 |
| Simply Business | 4.48 | $92 |
| Coverdash | 4.38 | $99 |
| Thimble | 4.35 | $103 |
| biBERK | 4.30 | $109 |
| Progressive Commercial | 4.28 | $96 |
| Chubb | 4.27 | $114 |
| Hiscox | 4.19 | $109 |
How Did We Determine These Rates?
These rates reflect MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
Get Matched to the Best Cheap Utah General Liability Insurer
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LEARN MORE ABOUT THE BEST BUSINESS INSURANCE IN UTAH
General liability insurance covers customer injuries and property damage for Utah businesses, but it won't protect against every risk. Explore these additional coverage options:
Best Utah General Liability Insurance Reviews
Finding the best general liability insurance in Utah requires looking beyond price alone. Our research identifies the top business insurers based on coverage quality and customer service.
The Hartford
Best Utah General Liability Insurer
MoneyGeek Rating
4.6/ 5
4.5/5Affordability
4.6/5Customer Experience
4.7/5Coverage Points
Average Monthly General Liability Premium
$86These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Our Survey: Claims Process
4.5/5Our Survey: Likely to Be Recommended to Others
4.5/5
NEXT
Best Utah Commercial General Liability Customer Experience
MoneyGeek Rating
4.6/ 5
4.3/5Affordability
4.7/5Customer Experience
4.8/5Coverage Points
Average Monthly General Liability Premium
$84These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Our Survey: Claims Process
3.9/5Our Survey: Likely to Be Recommended to Others
4.8/5
Cheapest General Liability Insurance Companies in Utah
NEXT offers the most affordable general liability insurance in Utah at $84 per month, saving businesses $14 or 15% compared to the state average. The Hartford and Simply Business also provide budget-friendly coverage options for Utah companies.
| NEXT Insurance | $84 | $1,005 |
| The Hartford | $86 | $1,031 |
| Simply Business | $92 | $1,098 |
| Nationwide | $93 | $1,113 |
| Progressive Commercial | $96 | $1,147 |
| Coverdash | $99 | $1,186 |
| Thimble | $103 | $1,231 |
| Hiscox | $109 | $1,310 |
| biBERK | $109 | $1,311 |
| Chubb | $114 | $1,363 |
How Did We Determine These Rates?
These rates reflect small businesses with two employees across 79 major industries and focus solely on general liability policies. Your premium depends on where your business is located, what industry you're in, how much coverage you choose and other factors insurers consider. Available options differ by state.
Cheapest General Liability Insurance in Utah by Industry
Based on MoneyGeek's research, these five providers offer the cheapest general liability insurance across Utah industries:
- NEXT dominates affordability in 34 industries statewide. The insurer performs especially well for tech companies, manufacturing businesses, consulting firms and healthcare providers.
- Thimble ranks as the most affordable option in 10 industries. This provider excels with construction companies, HVAC contractors, computer programming firms and roofing businesses.
- Simply Business offers cheap coverage for nine Utah industries. The company shows strong results for professional services including accountants, lawyers, startups and ecommerce businesses.
- The Hartford provides affordable rates across eight industries. This insurer leads in food service, trucking, spa and wellness businesses.
- biBerk secures cheapest rates in seven industries, performing best for contractors, engineering firms, hospitality businesses and veterinary practices.
Data filtered by:
Select
| Automotive | Coverdash | $106 | $1,267 |
| Accountants | Simply Business | $14 | $165 |
| Ad Agency | Thimble | $95 | $1,144 |
| Bakery | Progressive Commercial | $85 | $1,017 |
| Auto Repair | NEXT Insurance | $100 | $1,196 |
| Beauty Salon | Progressive Commercial | $108 | $1,292 |
| Barber | Thimble | $94 | $1,130 |
| Candle | Simply Business | $92 | $1,104 |
| Bounce House | NEXT Insurance | $55 | $654 |
| Catering | biBERK | $163 | $1,957 |
| Cannabis | NEXT Insurance | $44 | $532 |
| Cleaning | NEXT Insurance | $84 | $1,005 |
| Computer Programming | Thimble | $94 | $1,130 |
| Coffee Shop | Progressive Commercial | $83 | $1,000 |
| Computer Repair | NEXT Insurance | $31 | $367 |
| Construction | Thimble | $128 | $1,530 |
| Consulting | NEXT Insurance | $13 | $161 |
| Courier | NEXT Insurance | $140 | $1,680 |
| Contractor | biBERK | $196 | $2,346 |
| Dental | NEXT Insurance | $10 | $123 |
| Daycare | NEXT Insurance | $22 | $258 |
| Dog Grooming | Thimble | $34 | $413 |
| DJ | NEXT Insurance | $9 | $112 |
| Ecommerce | Simply Business | $92 | $1,104 |
| Drone | NEXT Insurance | $13 | $154 |
| Electrical | NEXT Insurance | $87 | $1,050 |
| Engineering | biBERK | $16 | $193 |
| Excavation | NEXT Insurance | $304 | $3,644 |
| Florist | NEXT Insurance | $29 | $346 |
| Funeral Home | NEXT Insurance | $36 | $432 |
| Food | The Hartford | $86 | $1,027 |
| Food Truck | The Hartford | $116 | $1,395 |
| Gardening | The Hartford | $86 | $1,032 |
| Home-based | Simply Business | $17 | $202 |
| Handyman | biBERK | $167 | $2,008 |
| Hospitality | biBERK | $134 | $1,609 |
| Home-based | NEXT Insurance | $37 | $448 |
| HVAC | Thimble | $103 | $1,237 |
| Janitorial | NEXT Insurance | $90 | $1,084 |
| Lawn/Landscaping | Progressive Commercial | $91 | $1,095 |
| Jewelry | Thimble | $157 | $1,884 |
| Junk Removal | NEXT Insurance | $106 | $1,277 |
| Lawyers | Simply Business | $14 | $165 |
| Marine | NEXT Insurance | $20 | $237 |
| Manufacturing | NEXT Insurance | $17 | $205 |
| Mortgage Broker | NEXT Insurance | $13 | $154 |
| Massage | Hiscox | $88 | $1,058 |
| Moving | The Hartford | $100 | $1,204 |
| Party Rental | Chubb | $91 | $1,091 |
| Nonprofit | NEXT Insurance | $24 | $292 |
| Painting | The Hartford | $116 | $1,393 |
| Pest Control | NEXT Insurance | $21 | $254 |
| Personal Training | NEXT Insurance | $16 | $187 |
| Photography | NEXT Insurance | $11 | $130 |
| Pet | Thimble | $34 | $413 |
| Pharmacy | biBERK | $97 | $1,160 |
| Plumbing | Simply Business | $259 | $3,110 |
| Physical Therapy | NEXT Insurance | $19 | $227 |
| Pressure Washing | Progressive Commercial | $850 | $10,194 |
| Real Estate | Nationwide | $115 | $1,379 |
| Restaurant | Coverdash | $95 | $1,138 |
| Retail | Progressive Commercial | $88 | $1,052 |
| Security | NEXT Insurance | $93 | $1,110 |
| Roofing | Thimble | $198 | $2,380 |
| Snack Bars | The Hartford | $94 | $1,128 |
| Software | NEXT Insurance | $13 | $154 |
| Spa/Wellness | The Hartford | $86 | $1,034 |
| Speech Therapist | Nationwide | $19 | $229 |
| Speech Therapist | Simply Business | $19 | $229 |
| Tech/IT | NEXT Insurance | $13 | $154 |
| Startup | Simply Business | $14 | $165 |
| Travel | NEXT Insurance | $13 | $154 |
| Transportation | NEXT Insurance | $26 | $316 |
| Tree Service | NEXT Insurance | $85 | $1,023 |
| Tutoring | Thimble | $94 | $1,130 |
| Trucking | The Hartford | $85 | $1,017 |
| Wedding Planning | NEXT Insurance | $10 | $117 |
| Veterinary | biBERK | $24 | $285 |
| Welding | NEXT Insurance | $113 | $1,353 |
| Wholesale | Coverdash | $32 | $388 |
| Window Cleaning | Simply Business | $128 | $1,539 |
Average Cost of General Liability Insurance in Utah
Most small businesses in Utah pay around $98 monthly for general liability insurance. The average cost of general liability coverage changes based on your industry type, business size, location and policy limits.
Manufacturing companies often pay higher premiums because of greater liability risks, while accounting firms tend to pay less due to lower exposure. Businesses with sole proprietors generally see cheaper rates compared to companies with several employees.
Average Cost of General Liability Insurance in Utah by Industry
Utah businesses pay between $16 and $871 monthly for general liability coverage, depending on industry type. Drone operations represent the most affordable option at $16 per month, while pressure washing businesses see the highest rates at $871 monthly. Review this table to find typical costs for your specific business type.
Data filtered by:
Select
| Accountants | $21 | $253 |
| Ad Agency | $34 | $403 |
| Automotive | $51 | $614 |
| Auto Repair | $145 | $1,745 |
| Bakery | $86 | $1,028 |
| Barber | $43 | $511 |
| Beauty Salon | $64 | $767 |
| Bounce House | $67 | $805 |
| Candle | $53 | $632 |
| Cannabis | $64 | $769 |
| Catering | $84 | $1,008 |
| Cleaning | $127 | $1,521 |
| Coffee Shop | $85 | $1,021 |
| Computer Programming | $28 | $334 |
| Computer Repair | $46 | $547 |
| Construction | $166 | $1,989 |
| Consulting | $21 | $252 |
| Contractor | $243 | $2,915 |
| Courier | $187 | $2,243 |
| Daycare | $31 | $377 |
| Dental | $21 | $247 |
| DJ | $24 | $292 |
| Dog Grooming | $61 | $728 |
| Drone | $16 | $191 |
| Ecommerce | $70 | $841 |
| Electrical | $107 | $1,288 |
| Engineering | $38 | $454 |
| Excavation | $446 | $5,355 |
| Florist | $41 | $492 |
| Food | $102 | $1,222 |
| Food Truck | $136 | $1,634 |
| Funeral Home | $58 | $694 |
| Gardening | $108 | $1,294 |
| Handyman | $230 | $2,762 |
| Home-based | $23 | $276 |
| Home-based | $37 | $448 |
| Hospitality | $62 | $748 |
| HVAC | $234 | $2,806 |
| Janitorial | $131 | $1,574 |
| Jewelry | $39 | $464 |
| Junk Removal | $155 | $1,865 |
| Lawn/Landscaping | $114 | $1,363 |
| Lawyers | $22 | $262 |
| Manufacturing | $61 | $736 |
| Marine | $27 | $322 |
| Massage | $92 | $1,100 |
| Mortgage Broker | $22 | $263 |
| Moving | $119 | $1,424 |
| Nonprofit | $34 | $412 |
| Painting | $137 | $1,646 |
| Party Rental | $76 | $912 |
| Personal Training | $23 | $274 |
| Pest Control | $31 | $370 |
| Pet | $53 | $642 |
| Pharmacy | $59 | $709 |
| Photography | $23 | $278 |
| Physical Therapy | $106 | $1,270 |
| Plumbing | $343 | $4,115 |
| Pressure Washing | $871 | $10,451 |
| Real Estate | $51 | $614 |
| Restaurant | $138 | $1,656 |
| Retail | $63 | $751 |
| Roofing | $372 | $4,463 |
| Security | $133 | $1,597 |
| Snack Bars | $111 | $1,335 |
| Software | $25 | $303 |
| Spa/Wellness | $102 | $1,225 |
| Speech Therapist | $30 | $354 |
| Startup | $27 | $324 |
| Tech/IT | $25 | $304 |
| Transportation | $36 | $432 |
| Travel | $20 | $240 |
| Tree Service | $124 | $1,490 |
| Trucking | $98 | $1,178 |
| Tutoring | $29 | $349 |
| Veterinary | $43 | $512 |
| Wedding Planning | $27 | $319 |
| Welding | $158 | $1,893 |
| Wholesale | $43 | $511 |
| Window Cleaning | $150 | $1,801 |
How Did We Determine These Rates?
These rates reflect small businesses with two employees across 79 major industries and focus solely on general liability policies. Your premium depends on where your business is located, what industry you're in, how much coverage you choose and other factors insurers consider. Available options differ by state.
What Factors Affect Utah General Liability Insurance Costs?
Several factors influence what Utah businesses pay for general liability insurance coverage.
Utah's Legal and Regulatory Environment
Utah's modified comparative negligence rule bars recovery for plaintiffs 50% or more at fault. Punitive damages require clear and convincing evidence, with awards split between the injured party and state. Utah abolished joint and several liability in 1986, meaning businesses only pay their proportionate share of fault.
Utah courts uphold liability waivers if clear and unambiguous. These tort reforms lower premiums by 15% to 25% by reducing claim frequency (fewer successful lawsuits) and severity (capped damages). Insurers charge less because expected payouts decrease.
Utah's Medical and Healthcare Costs
Utah has the nation's lowest per capita healthcare spending at $7,522, about 26% below the national average of $10,191. Bodily injury claims (slip-and-falls, customer injuries, premises accidents) make up most general liability payouts. Lower medical treatment costs reduce premiums by 20% to 30%.
A knee surgery costing $20,000 in Utah might cost $40,000 in New York, letting insurers charge proportionally less. Healthcare spending rose 6.6% from 2022 to 2023, outpacing income growth. This creates upward pressure on future rates despite current advantages.
Utah's Economic and Industry Composition
Utah’s 4.5% GDP growth led the nation in 2024. Insurers calculate general liability rates using your business’s gross sales, and strong economic growth pushes premiums higher because businesses generate more revenue, increasing the premium calculation base even when actual risk stays the same.
The state’s 325,000 small businesses create strong competition among insurers, which helps moderate price increases. Utah’s industry mix includes low-risk software and IT companies alongside higher-risk outdoor recreation (growing 15.5%) and construction, creating mixed effects on overall market pricing.
Utah's Geographic and Climate Conditions
Insurers analyze crime statistics, weather patterns and local court award amounts by ZIP code. Businesses in regions with harsh winter conditions pay higher base rates because environmental factors increase premises liability exposure. Utah's varied geography creates divergent risk profiles.
Mountain regions with heavy snowfall see 15% to 30% higher premiums due to increased slip-and-fall frequency. Southern areas with mild winters see 10% to 15% lower rates. Identical businesses operating in Park City versus St. George experience substantial premium variations solely due to location-specific weather hazards and historical claims patterns.
How Much General Liability Insurance Do I Need in Utah?
Utah's general liability insurance requirements apply specifically to licensed contractors and construction trades. Most businesses don't need coverage by law, but contractors must carry minimum limits to get licensed through the Division of Occupational and Professional Licensing (DOPL). Coverage amounts vary by trade: electrical and HVAC specialists need higher limits than general contractors. Here are the mandatory coverage requirements for each licensed profession in Utah:
- General Building Contractors (B100): Utah requires $100,000 per occurrence and $300,000 aggregate to get and keep your contractor license. You'll list DOPL as certificate holder on your policy.
- Residential Contractors (R100): Minimum coverage is $100,000 per occurrence with $300,000 aggregate. The state won't issue your license until you provide proof of insurance.
- Specialty Contractors: You need $100,000 per occurrence and $300,000 total coverage. List the Division of Occupational and Professional Licensing as certificate holder on your insurance.
- Licensed Electricians (Contractor Level): Coverage requirements jump to $300,000 per occurrence and $600,000 aggregate for electrical contractors. Your policy needs to include completed operations coverage.
- Electrical Sign Contractors: These specialists carry the same limits as electricians—$300,000 per occurrence with $600,000 annual aggregate. Utah won't approve licenses without meeting these minimums.
Utah public liability insurance requirements for contractors
Utah public liability insurance requirements for electrical trades
Utah public liability insurance requirements for master plumbers
You'll need $100,000 per occurrence and $300,000 aggregate for licensing. DOPL verifies your coverage before issuing contractor credentials.
Utah public liability insurance requirements for specialty contractors (S350)
Most HVAC work needs $300,000 per occurrence and $600,000 aggregate, but basic licensing starts at $100,000/$300,000. Your specific limits depend on classification and work scope.
Utah public liability insurance requirements for handyman services
Jobs under $3,000 require $100,000 per occurrence and $300,000 aggregate. Submit your insurance certificate when you file the handyman exemption form with DOPL.
Note: State insurance requirements change regularly. Always verify current Utah requirements with the Utah Insurance Department or a licensed insurance agent before purchasing coverage.
How to Choose the Best General Liability Insurance in Utah
Smart business owners compare multiple insurers when getting business insurance to find the right balance between coverage and cost. Look for carriers licensed in Utah with strong financial ratings and experience in your specific industry.
- 1Determine Coverage Needs
Utah doesn't require general liability insurance for most businesses, but licensed contractors must carry at least $100,000 per occurrence and $300,000 aggregate. Electricians and certain specialty trades have higher minimums of $300,000 per occurrence and $600,000 aggregate.
Check with your local municipality and industry licensing board, since cities like Salt Lake City and Park City may set additional business insurance coverage requirements.
- 2Prepare Business Information
Collect your EIN, Utah business registration, annual revenue and employee count before requesting quotes. Utah insurers assess risk based on your industry classification, location and claims history. Having your Department of Occupational and Professional Licensing documentation ready helps insurers provide accurate premium calculations.
- 3Compare Multiple Quotes
Request quotes from at least three insurers licensed by the Utah Insurance Department, as premiums can vary by several hundred dollars annually. Compare deductibles, coverage limits and whether defense costs count toward or outside your liability limits. Understanding business insurance costs helps you identify the best protection without overpaying.
- 4Look Beyond Price
Affordable business insurance shouldn't mean inadequate coverage, so read policy exclusions carefully to avoid gaps when filing claims. Verify whether legal defense costs reduce your coverage limits or get paid separately. Professional errors, pollution claims and employee injuries require separate policies, so understanding exclusions prevents expensive surprises.
- 5Verify Insurer Credentials
Confirm your insurer holds a valid license through the Utah Insurance Department and check AM Best financial ratings for stability. Review complaint ratios published annually by the department to identify insurers with problematic claims handling. Strong financial backing ensures your carrier can pay large claims when your Utah business needs protection most.
- 6Ask About Discounts
Bundle general liability with commercial property or workers' compensation to reduce premiums by 10% to 25% with most Utah insurers. Annual payment plans, claims-free histories and documented safety programs qualify for additional discounts. Utah businesses with employee safety training and loss prevention systems demonstrate lower risk, earning premium reductions.
- 7Obtain Certificate of Insurance
Commercial landlords, clients and general contractors in Utah require certificates of insurance before signing contracts or approving leases. Most insurers issue digital certificates instantly through online portals, though some take 24 to 48 hours. Keep your agent's contact information ready for rush certificate requests to avoid project delays.
- 8Review Coverage Annually
Review your general liability limits each year after hiring employees, expanding to new Utah locations or increasing revenue. Compare renewal quotes 60 to 90 days before your policy expires to secure better rates or adjust coverage for business changes. Annual reviews prevent compliance gaps with Utah licensing requirements and avoid audit premium adjustments.
Top General Liability Insurance in Utah: Bottom Line
Finding the right general liability insurance in Utah starts with understanding your specific business needs and comparing providers thoroughly. The Hartford, NEXT and Nationwide represent strong options in the market, but your ideal choice depends on your industry, company size, and budget. Get quotes from multiple insurers and verify their credentials before making your final decision.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Centers for Medicare & Medicaid Services. "NHE Fact Sheet." Accessed November 30, 2025.
- Kem C. Gardner Policy Institute. "Utah Leads the Nation in GDP Growth, Reflecting a Strong Overall 2024 Economy." Accessed November 30, 2025.
- One Utah Health Collaborative. "First-Ever Statewide Study Finds Healthcare Spending Growth in Utah Outpaced Income Increases from 2022-2023." Accessed November 30, 2025.
- Utah State Legislature. "Utah Code § 78B-5-818 - Comparative Negligence." Accessed November 30, 2025.
- Utah State Legislature. "Utah Code § 78B-8-201 - Basis for Punitive Damages Awards." Accessed November 30, 2025.