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: December 27, 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 figures are estimates from MoneyGeek's analysis of small businesses with two employees across 79 major industries and are not actual quotes. Your rate will vary based on your business details. For accurate pricing, request quotes directly from insurers.
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 lowest-cost professional liability insurance in Utah at $67 per month ($806 annually). The Hartford is another affordable choice at $68 per month for business owners who want 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 analysis of small businesses with two employees across 79 major industries and shouldn't 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 an average of $74 per month ($889 per year) in Utah, which is $4 lower than the national average. Home-based businesses often pay about $35 per month, while mortgage brokers average around $160. Rates also shift based on location, claims history and the coverage limits you choose.
| 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 analysis of small businesses with two employees across 79 major industries and shouldn't 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, coverage decisions should reflect your risk exposure and clients' expectations. Higher-risk professions usually carry $1 million per occurrence and $3 million aggregate coverage.
Your coverage decision depends on several 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 guide walks you through getting business insurance in Utah that matches your professional liability needs and budget.
- 1Evaluate Your Business Risks
Different Utah industries encounter different levels of liability risk. A medical consultant usually needs higher coverage limits than a freelance graphic designer. Review your client contracts and industry expectations to decide how much coverage fits your work.
- 2Find a Knowledgeable Local Agent
Work with an agent who understands Utah’s business climate and knows how business insurance costs shift by location and industry. Someone experienced in your field can match you with carriers that offer the most relevant protection.
- 3Request Multiple Detailed Quotes
Get quotes from at least three insurers and compare affordable business insurance rates along with exclusions, deductibles and policy limits. A $1 million policy can vary widely between carriers, so review the terms closely.
- 4Research Insurer Financial Strength
When evaluating Utah providers, consider more than price. Choose carriers with strong AM Best ratings and a solid record of paying claims. Review professional ratings and state complaint data to confirm reliability. A low premium is not helpful if the insurer struggles with claims processing.
- 5Explore Bundling Opportunities
Many insurers lower costs when you buy multiple types of business insurance coverage from the same provider. Pairing professional liability with general liability or a business owner’s policy often reduces total premiums and simplifies policy management.
Ask agents about available package options in Utah.
- 6Maintain Continuous Coverage
Professional liability policies follow a claims-made structure, meaning they only cover claims filed while the policy is active. Any coverage gaps can expose you to lawsuits from past work. When changing insurers, secure tail coverage or confirm that prior acts protection is included.
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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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 December 29, 2025.
- Better Business Bureau. "The Hartford Insurance Company | BBB Business Profile." Accessed December 29, 2025.