Best General Liability Insurance in Utah (2025)

Based on MoneyGeek’s evaluation of affordability, customer satisfaction, financial stability and the online quoting process among various insurers, Nationwide emerged as Utah's top option, boasting an exceptional MoneyGeek score of 90 out of 100. The average monthly cost of general liability from this insurer is $35 for sole proprietors and $36 for limited liability companies (LLCs) with 20 employees.

Meanwhile, with policies averaging $25 per month for sole proprietors and $26 per month for 20-employee LLCs, Next was named the most affordable option in the state.

Following a thorough evaluation, we determined that Nationwide is the best general liability insurance provider in Utah, earning an overall MoneyGeek score of 90 out of 100.

The table below illustrates the costs and MoneyGeek scores for various companies we assessed within the state. This provides you with a clear perspective on Nationwide's performance when compared to its rivals.

Our unique scoring system for this section, attributing equal weight (50%) to both sole proprietors and LLCs in the evaluation, established Next as the frontrunner for affordable general liability insurance in Utah. Next charges sole proprietors and LLCs $25 and $26 per month, respectively.

While Next is ranked number one for overall affordability, there might be other companies offering more tailored and competitive pricing specifically for each business type.

Nationwide is the leading general liability insurance provider for employers in Utah, boasting a MoneyGeek score of 95 out of 100. With an average charge of $36 per month for LLCs, this rank is based on the average monthly premiums for general liability insurance for companies with 20 employees.

Your organization's employee count can influence the cost of general liability insurance. Businesses with under 20 employees can anticipate paying less, while more substantial enterprises should prepare for increased premiums.

With a MoneyGeek score of 95 out of 100, Thimble is the top option for sole proprietors. On average, policyholders can anticipate a monthly cost of $22.

These ratings and associated monthly costs are specifically for sole proprietors without any employees. Expenses might be higher for risk-prone industries, such as construction, due to the increased likelihood of accidents and liabilities associated with these types of businesses.

While Utah law does not require general liability coverage, it remains a prudent choice for business owners since it safeguards their businesses from potential financial setbacks arising from property damage, bodily injuries and other accidents occurring on-site or due to business activities. Furthermore, certain industries might require general liability coverage to secure business licenses or win contracts, making it an essential investment for such businesses.

Workers' compensation insurance is mandatory for all businesses in Utah, regardless of size. This type of business insurance provides financial protection to employees who are injured or fall ill while performing their job duties. It covers medical expenses, lost wages, rehabilitation costs and other related expenses, thus helping employees recover from their injuries without the added financial burden.

Commercial auto insurance is required for all vehicles used for business purposes in Utah, with minimum coverage requirements of $25,000 per person and $65,000 per accident for bodily injury and $15,000 for property damage.

In Utah, the price of a general liability insurance policy that comes with a $2 million aggregate limit, a $1 million occurrence limit and no deductible costs around $28 per month for sole proprietors and around $50 for LLCs.

The aggregate limit serves as the cap on the total amount an insurer will disburse for claims during the policy's duration. The occurrence limit denotes the maximum coverage provided by the insurer for an individual claim. The deductible is the amount business owners must cover before their insurance steps in to handle a claim.

The cost of general liability insurance varies for each business based on certain factors, including the following.

Navigating general liability insurance in Utah might raise some questions for businesses seeking coverage. To address these concerns, we've compiled a list of frequently asked questions along with their answers.