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.

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Best General Liability Insurance in Utah

Why Trust MoneyGeek? We collected 1,229 general liability insurance quotes and analyzed cost information alongside customer satisfaction and financial stability reports to determine the best general liability insurance companies for small businesses in Utah.

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Coverage costs and company information for general liability insurance providers in Utah were last updated in 2023.

1,229Quotes Analyzed
6 Companies Compared
50 Zip Codes

Best Overall General Liability Insurance in Utah

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.

How was this MoneyGeek score calculated?

NationwideMoneyGeek Score90Monthly Cost Without Employees$35Monthly Cost With 20 Employees$36
NextMoneyGeek Score89Monthly Cost Without Employees$25Monthly Cost With 20 Employees$26
The HartfordMoneyGeek Score88Monthly Cost Without Employees$31Monthly Cost With 20 Employees$50
ThimbleMoneyGeek Score88Monthly Cost Without Employees$22Monthly Cost With 20 Employees$63
HiscoxMoneyGeek Score84Monthly Cost Without Employees$29Monthly Cost With 20 Employees$75
Best OverallScore: 90
4/5LLC Affordability
1/5Sole Proprietor Affordability
5/5Customer Satisfaction
4/5Financial Stability
3/5Online Quote Process

Budget-friendly for LLCs

High financial reliability

Low complaint rates


Least affordable option for sole proprietors

Subpar web-based quote generator

Company Highlights

Nationwide is known for its high financial reliability, which might give customers some confidence in their choice. The low complaint ratio may also indicate that the number of complaints filed against the company is minimal. This may speak to the quality of service one can expect.

While Nationwide is the most affordable option for LLCs, it may not be the most cost-effective option for sole proprietors. Furthermore, the web-based quote generator provided by Nationwide is slow.

Cheapest General Liability Insurance in Utah

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.

How was this MoneyGeek score calculated?

CheapestScore: 96
5/5LLC Affordability
4/5Sole Proprietor Affordability
0/5Customer Satisfaction
2/5Financial Stability
4/5Online Quote Process

Most cost-effective choice for LLCs

Fairly fast online quote generation


Average pricing for sole proprietors

Less financially stable

Company Highlights

As the most affordable general liability insurance provider in Utah, Next offers a cost-effective choice for LLCs alongside a speedy online quote generation system. The latter feature allows potential clients to quickly and easily obtain a quote, making it a convenient and hassle-free option for those seeking insurance.

Next’s pricing for sole proprietors is average, and the company's financial footing is somewhat shaky. While this may not immediately affect clients, it could potentially lead to issues with the company's ability to pay out claims or honor their commitments in the long run.

Best General Liability Insurance for Employers in Utah

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.

How was this MoneyGeek score calculated?

Best for EmployersScore: 95
4/5LLC Affordability
5/5Customer Satisfaction
4/5Financial Stability
3/5Online Quote Process

Competitive pricing for LLCs

Financially stable

Minimal customer complaints


Slow online quote process

Company Highlights

By offering competitive pricing for LLCs, Nationwide is the top option for general liability insurance for employers in Utah. It is financially stable, which may indicate that your needs will likely be met. The company also has a favorable reputation, consistently receiving positive feedback from satisfied customers.

One caveat is the longer processing time for online quotes, which could be an inconvenience for those seeking quick responses and comparisons.

Best General Liability Insurance for Sole Proprietors in Utah

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.

How was this MoneyGeek score calculated?

Best for Sole ProprietorsScore: 95
5/5Sole Proprietor Affordability
2/5Customer Satisfaction
3/5Financial Stability
5/5Online Quote Process

Most affordable for sole proprietors

Strong financial standing

Efficient online quote process


Low customer satisfaction ratings

Company Highlights

Thimble offers the most affordable general liability insurance for Utah’s sole proprietors. This means that you can secure the necessary protection for your business at a low cost. Thimble has a strong financial standing, which indicates its ability to pay out claims when needed. Additionally, the convenience provided by its efficient online quote process can be a game-changer for business owners who want to spend less time dealing with administrative tasks and more time focusing on growing their ventures. It does, however, have higher complaint rates from customers.

Do You Need General Liability Insurance in Utah?

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.

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How Much Is General Liability Insurance in Utah?

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.

Factors That Impact General Liability Insurance Costs in Utah

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

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    Policy limits

    Insurance premiums can be influenced by the coverage limits selected. Higher limits result in higher premiums, while lower limits can lead to more affordable premiums.

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    Number of employees and payroll costs

    Companies with numerous employees and elevated payroll expenses may see a rise in their general liability insurance costs. The distinct contrast between the costs for LLCs and sole proprietorships in Utah serves as a prime example of this.

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    Business location

    Riskier locations, like those prone to natural disasters, can cause insurance costs to surge. It's important to note that statewide averages may differ at the city level.

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    Claims history

    If a business has a history of previous claims, it might be perceived as riskier, resulting in more expensive premiums.

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    Businesses operating in high-risk industries, such as construction, generally pay more for general liability insurance. The table below showcases the average cost of general liability insurance for cleaning businesses, software development companies and general contractors in Utah.

General ContractorMonthly Cost Without Employees$594Monthly Cost With 20 Employees$2,688
CleaningMonthly Cost Without Employees$68Monthly Cost With 20 Employees$1,342
Software DevelopmentMonthly Cost Without Employees$28Monthly Cost With 20 Employees$50

Frequently Asked Questions About General Liability Insurance in Utah

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.

Which company has the best general liability insurance in Utah?
Which company has the cheapest general liability insurance in Utah?
What does general liability insurance cover in Utah?
Does Utah require businesses to have general liability insurance?

About Melissa Wylie

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Melissa Wylie is the Content and SEO Manager at MoneyGeek, with nearly a decade of editorial experience and six years of work in financial content focused on small businesses. She previously held SEO positions at Bankrate and LendingTree, with bylines on ValuePenguin and MagnifyMoney.

Wylie has a journalism degree from the University of North Texas. Her strong foundation in journalism helps her craft content that simplifies complex financial topics to help everyone feel confident when making decisions with their money.

  • Utah Division of Multicultural Affairs. "Homepage." Accessed May 11, 2023.