NEXT offers the best professional liability insurance in Utah, with affordable rates and strong customer support. The Hartford ranks second, while Simply Business takes third place.
Professional Liability Insurance in Utah
NEXT earns the highest score of 4.76 out of 5 in our analysis of the best professional liability insurance in Utah.
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Updated: October 28, 2025
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Best Professional Liability Insurance in Utah: Key Takeaways
NEXT is our top pick for professional liability insurance in Utah, followed by The Hartford and Simply Business.
Your industry risk, client contracts, potential claim costs and budget determine the best Utah professional liability insurance for you.
Assess your needs first, then compare quotes from multiple providers to find the best professional liability insurance in Utah.
Find Insurance for Your Business
Select your industry and state to get a customized quote.
Industry
State
Best Professional Liability Insurance Companies in Utah
| NEXT Insurance | 4.76 | $67 |
| The Hartford | 4.64 | $68 |
| Simply Business | 4.52 | $73 |
| Coverdash | 4.45 | $74 |
| Nationwide | 4.45 | $78 |
| biBERK | 4.42 | $76 |
| Progressive Commercial | 4.41 | $72 |
| Hiscox | 4.37 | $74 |
| Chubb | 4.25 | $85 |
| Thimble | 4.25 | $73 |
How Did We Determine These Rates and Rankings?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
LEARN MORE ABOUT BUSINESS INSURANCE
Professional liability coverage is essential, but understanding other coverage types helps Utah businesses create comprehensive financial protection.
Best Utah Professional Liability Insurance Reviews
Most professionals need professional liability insurance, but not all providers offer the same value. We've broken down what differentiates these top providers and why they made our list for Utah businesses.
NEXT
Overall Best Provider
MoneyGeek Rating
4.8/ 5
4.8/5Affordability
4.7/5Customer Experience
4.8/5Coverage Points
Average Monthly Premium
$67These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies.Our Survey: Claims Process
3.9/5Our Survey: Recommend to Others
4.8/5
The Hartford
Runner-Up for Best Provider
MoneyGeek Rating
4.6/ 5
4.6/5Affordability
4.6/5Customer Experience
4.7/5Coverage Points
Average Monthly Premium
$68These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies.Our Survey: Claims Process
4.5/5Our Survey: Recommend to Others
4.5/5
Cheapest Professional Liability Insurance Companies in Utah
NEXT offers the cheapest professional liability insurance in Utah at $67 monthly ($806 annually). The Hartford provides another budget-friendly option at $68 per month for business owners seeking reliable coverage.
| NEXT Insurance | $67 | $806 |
| The Hartford | $68 | $820 |
| Progressive Commercial | $72 | $863 |
| Simply Business | $73 | $876 |
| Thimble | $73 | $879 |
| Hiscox | $74 | $888 |
| Coverdash | $74 | $890 |
| biBERK | $76 | $915 |
| Nationwide | $78 | $942 |
| Chubb | $85 | $1,015 |
How Did We Determine These Rates?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
Average Cost of Professional Liability Insurance in Utah
Professional liability insurance costs $74 monthly ($889 annually) in Utah, which is $4 less than the national average. Home-based businesses pay around $35 per month, while mortgage brokers average $160. Rates also vary based on business location, claims history and coverage limits.
| Accountants | $141 | $1,691 |
| Ad Agency | $94 | $1,133 |
| Auto Repair | $79 | $949 |
| Automotive | $72 | $863 |
| Bakery | $50 | $603 |
| Barber | $41 | $488 |
| Beauty Salon | $47 | $568 |
| Bounce House | $56 | $671 |
| Candle | $40 | $480 |
| Cannabis | $117 | $1,409 |
| Catering | $76 | $913 |
| Cleaning | $52 | $620 |
| Coffee Shop | $58 | $693 |
| Computer Programming | $98 | $1,180 |
| Computer Repair | $60 | $722 |
| Construction | $73 | $872 |
| Consulting | $102 | $1,221 |
| Contractor | $60 | $716 |
| Courier | $48 | $573 |
| DJ | $45 | $536 |
| Daycare | $104 | $1,242 |
| Dental | $80 | $959 |
| Dog Grooming | $53 | $635 |
| Drone | $102 | $1,223 |
| Ecommerce | $59 | $710 |
| Electrical | $60 | $725 |
| Engineering | $102 | $1,225 |
| Excavation | $65 | $780 |
| Florist | $36 | $429 |
| Food | $106 | $1,270 |
| Food Truck | $55 | $665 |
| Funeral Home | $77 | $923 |
| Gardening | $38 | $457 |
| HVAC | $80 | $956 |
| Handyman | $53 | $635 |
| Home-based business | $35 | $420 |
| Hospitality | $70 | $837 |
| Janitorial | $46 | $555 |
| Jewelry | $58 | $695 |
| Junk Removal | $64 | $765 |
| Lawn/Landscaping | $49 | $594 |
| Lawyers | $140 | $1,676 |
| Manufacturing | $56 | $676 |
| Marine | $83 | $1,000 |
| Massage | $100 | $1,195 |
| Mortgage Broker | $160 | $1,925 |
| Moving | $76 | $913 |
| Nonprofit | $48 | $573 |
| Painting | $59 | $714 |
| Party Rental | $52 | $630 |
| Personal Training | $67 | $808 |
| Pest Control | $91 | $1,097 |
| Pet | $45 | $537 |
| Pharmacy | $53 | $633 |
| Photography | $61 | $737 |
| Physical Therapy | $90 | $1,086 |
| Plumbing | $85 | $1,020 |
| Pressure Washing | $56 | $668 |
| Real Estate | $121 | $1,451 |
| Restaurant | $79 | $947 |
| Retail | $53 | $637 |
| Roofing | $94 | $1,129 |
| Security | $94 | $1,124 |
| Snack Bars | $45 | $541 |
| Software | $91 | $1,094 |
| Spa/Wellness | $105 | $1,258 |
| Speech Therapist | $95 | $1,136 |
| Startup | $68 | $820 |
| Tech/IT | $95 | $1,142 |
| Transportation | $90 | $1,083 |
| Travel | $91 | $1,094 |
| Tree Service | $73 | $879 |
| Trucking | $105 | $1,257 |
| Tutoring | $58 | $693 |
| Veterinary | $109 | $1,308 |
| Wedding Planning | $73 | $872 |
| Welding | $74 | $885 |
| Wholesale | $58 | $700 |
| Window Cleaning | $59 | $712 |
How Did We Determine These Rates?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
How Much Professional Liability Insurance Do I Need in Utah?
Professional liability insurance requirements in Utah depend on your specific profession. Health care providers, attorneys, and certain contractors often face mandatory coverage rules, while other fields rely on client contracts and industry standards. Even without legal requirements, smart coverage decisions reflect your risk exposure and clients' expectations. Higher-risk professions carry $1 million per occurrence and $3 million aggregate coverage.
Your coverage decision depends on three factors:
Your Industry Risk
Some industries in Utah carry greater liability exposure than others, directly affecting your coverage needs. Technology consultants in Salt Lake City's Silicon Slopes and architects working on major developments are more likely to encounter expensive claims. Professional liability insurance for accountants or real estate agents serving smaller communities need lower limits due to less risk. Your industry's claim frequency and severity should guide your coverage amount selection.
Client Requirements
Many clients and contracts in Utah require proof of professional liability insurance at specific minimum limits before work can begin. Large corporations, government contracts, and major organizations throughout the state often mandate coverage levels ranging from $1 million to $5 million or more. Meeting these requirements is essential for winning and maintaining business relationships.
Potential Claim Costs
Your coverage should reflect the possible financial impact of a professional liability lawsuit in Utah's legal environment. Small errors might result in thousands of dollars in damages, while mistakes on larger projects could lead to six-figure settlements plus substantial legal fees. Consider the maximum financial exposure from your biggest client or project when selecting coverage limits.
How to Get the Best Professional Liability Insurance in Utah
Our step-by-step guide walks you through how to get business insurance in Utah that matches your professional liability needs and budget.
- 1Evaluate Your Business Risks
Different Utah industries face varying liability exposures that determine coverage needs. A medical consultant typically requires higher limits than a freelance graphic designer. Review client contracts and industry standards to identify the right coverage amount for your specific business risks.
- 2Find a Knowledgeable Local Agent
Look for an agent who knows Utah's business landscape and understands how business insurance costs vary by location and industry. An experienced agent saves time by matching you with insurers that specialize in your field.
- 3Request Multiple Detailed Quotes
Request quotes from at least three insurers, comparing affordable business insurance rates and policy terms like exclusions and deductibles. A $1 million policy from one carrier may offer different terms than another.
- 4Research Insurer Financial Strength
When researching business insurance in Utah, look beyond price. Choose carriers with strong AM Best ratings and solid claims-paying ability. Read professional reviews and check complaint ratios with state regulators. The cheapest premium means nothing if the insurer struggles to pay legitimate claims quickly.
- 5Explore Bundling Opportunities
Many insurers offer discounts when you buy several types of business insurance coverage from the same provider. Consider combining professional liability with general liability or business owner's policies. Bundling often reduces overall costs while simplifying policy management. Ask agents about available package deals in Utah's competitive insurance market.
- 6Maintain Continuous Coverage
Professional liability operates on a claims-made basis, covering only claims filed while your policy remains active. Gaps in coverage leave you vulnerable to lawsuits from past work. Always secure tail coverage or ensure prior acts protection when switching insurers.
How to Prevent Professional Liability Claims in Utah
Many professional liability claims happen because of miscommunication and unclear client expectations, not actual mistakes. Even small disputes can lead to thousands in legal fees. Use these strategies to avoid problems and protect your business from expensive claims.
Document Everything
Keep written proof of all client interactions, including email confirmations, scope changes and project approvals. This documentation creates a clear record of agreements and decisions that can prevent disputes before they escalate. Strong documentation protects your business by providing evidence of what was actually agreed upon rather than relying on memory.
Use Detailed Contracts With Clear Scope
Create comprehensive contracts that clearly define your responsibilities, project timelines and specific deliverables. Explicitly outline what services are included in your fee and what falls outside the scope to avoid conflicts over additional work. Well-defined contracts serve as your first line of defense against misunderstandings and unrealistic client expectations.
Communicate Project Changes Immediately
Confirm all client-requested changes in writing before proceeding with any modifications to the original agreement. Document how these changes will affect project timelines, budgets and final deliverables to maintain transparency. Immediate written communication prevents scope creep and ensures both parties understand the implications of requested changes.
Set Realistic Expectations Upfront
Be transparent about project timelines, potential challenges and expected results from the beginning of each client relationship. Honest communication about your capabilities and limitations helps avoid overpromising and reduces the likelihood of disputes. Setting realistic expectations builds trust and creates a foundation for successful professional relationships.
Keep Detailed Project Records
Maintain thorough records of all work performed, decisions made and the reasoning behind your professional recommendations. This documentation demonstrates your diligence and professional standards while providing protection if your work is questioned later. Detailed records serve as evidence of your expertise and careful consideration throughout the project lifecycle.
Utah Professional Liability: Bottom Line
Professional liability insurance in Utah requires understanding your specific business risks first. NEXT leads our rankings, but your industry, client contracts and budget matter more for the right fit. Assess your coverage needs, then work with a local agent to compare options and secure strong financial protection for your business.
Utah Professional Liability Insurance: FAQ
Here are frequently asked questions about professional liability insurance in Utah.
What does professional liability insurance cost in Utah?
Professional liability insurance in Utah costs between $67 and $85 monthly, depending on your provider. NEXT offers the most affordable coverage at $67 per month, while Chubb charges $85. Your actual premium depends on your industry's risk level, claims history, coverage limits and business location.
Which professional liability insurance company is best in Utah?
NEXT ranks as the top professional liability insurance provider in Utah, scoring 4.76 out of 5 for its affordable rates and strong customer service. The Hartford follows closely at 4.64, while Simply Business rounds out the top three with a 4.52 rating for competitive coverage options.
How much professional liability coverage do I need in Utah?
Professional liability coverage amounts in Utah depend on your industry's risk level, client contract requirements and potential lawsuit costs. Higher-risk professions like architects and consultants need larger coverage limits, while lower-risk businesses may require less protection to safeguard their operations adequately.
Is there a difference between professional liability and E&O insurance?
Professional liability and errors and omissions (E&O) insurance both protect you from claims about mistakes in your professional services. Some industries prefer one term over the other, but the coverage works identically regardless of what you call it.
How We Scored the Best Professional Liability Insurance Companies in Utah
A professional liability lawsuit can destroy a small business in Utah or force it to close permanently. We evaluated insurers across the state to identify which companies provide the most reliable financial protection for businesses from startups to established firms.
Our Scoring System
- Affordability (50%): Cost drives most small business insurance decisions. We gave affordability the highest weight because local businesses need strong coverage that fits their budget.
- Customer experience (30%): Quality service during a claim makes all the difference. We analyzed J.D. Power ratings and complaint records from the Utah Department of Insurance to measure insurer performance.
- Coverage options (15%): We reviewed policy flexibility and exclusions to ensure they match the needs of professional services throughout the state.
- Financial strength (5%): AM Best financial ratings confirmed each recommended insurer has the resources to pay claims when businesses need them most.
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
- Alliance Health. "Provider Insurance Requirements." Accessed November 14, 2025.
- Better Business Bureau. "The Hartford Insurance Company | BBB Business Profile." Accessed November 14, 2025.