fact checked icon

Updated: October 9, 2026

Advertising & Editorial Disclosure

Cheapest Utah General Liability Insurance Companies

The Hartford has the lowest average general liability rate in Utah at $93 a month, 16% below the $110 state average. ERGO NEXT is about $1 behind at $94, followed by biBERK and Thimble at $102 each (76 cents apart) and Simply Business at $107. These averages are for a Utah business with one to four employees and limits of $1 million per occurrence and $2 million aggregate.

The lowest statewide average doesn’t mean an insurer is cheapest for your business. Of the 407 business types I analyzed, ERGO NEXT has the lowest rate for 210, more than half. The Hartford is cheapest for 74, biBERK for 70, Thimble for 16 and Simply Business for 11. All of Thimble’s wins are construction trades, such as electrical contractors ($219 a month) and carpenters ($147). Even so, ERGO NEXT is cheapest for more construction types (25) and has the lower construction average, at $222 a month vs. Thimble’s $228. Here’s where each insurer profiled below tends to come in lowest:

  • The Hartford: Office-based professional and creative businesses, including financial advisors ($33 a month), accounting firms ($40) and photographers ($20)
  • ERGO NEXT: Hands-on trades and customer-facing businesses, including barber shops ($42), plumbers ($207) and HVAC contractors ($214)
  • biBERK: Cleaning and fitness businesses, including house cleaners ($82), janitorial services ($82) and personal trainers ($37)
  • Simply Business: Childcare providers and small food and specialty shops, including in-home daycares ($71), bakeries ($67) and butcher shops ($58)

Your general liability premium also depends on your headcount, claims history and the limits you choose. Since the cheapest insurer changes from one business type to the next, get quotes from the insurers that are cheapest for your trade, using the same limits on each quote.

The Hartford$93$1,11316%
ERGO NEXT$94$1,12814%
biBERK$102$1,2208%
Thimble$102$1,2297%
Simply Business$107$1,2892%
Coverdash$115$1,383-5%
Progressive Commercial$116$1,393-6%
Nationwide$123$1,476-12%
Hiscox$123$1,478-12%
Chubb$124$1,484-12%

For Utah, I compared estimated general liability rates from 10 insurers that sell to small businesses: biBERK, Chubb, Coverdash, ERGO NEXT, Hiscox, Nationwide, Progressive Commercial, Simply Business, The Hartford and Thimble. I used the same dataset to answer three cost questions:

  • Overall cheapest: Each insurer’s average rate across all business types, for businesses with one to four employees.
  • Cheapest by business type and industry: Each insurer’s rate for a specific business type or industry category, also for businesses with one to four employees, so company size stays consistent across comparisons.
  • Employee-size comparisons: Rates averaged across all industry categories at each size range, from no employees to 49 employees, to show how pricing changes as you hire.
  • Data scope: More than 20,000 estimates covering 407 business types across 25 industry categories. Notary services was left out because it doesn’t have a complete average.
  • Coverage setup: $1 million per occurrence / $2 million aggregate limits, with modeled revenue and payroll included in the estimates.
  • Averages and savings: Each average is the simple mean of the 10 insurers’ rates for that group, so the $110 Utah average is the mean of their statewide rates. Savings show how far an insurer’s rate falls below the average for the same group. Statewide rates are measured against the state average, industry rates against the industry average, business-type rates against the business-type average and employee-size rates against the average for that size. Dollar amounts and percentages are rounded to whole numbers, and where rounding makes two rates look identical, I note the gap in cents.
  • Customer experience: Service comparisons come from our national customer survey of business insurance policyholders, which rates insurers on buying, policy management and claims. Coverdash and Simply Business only have buying scores, so I don’t compare them on claims or policy management.

These Utah figures are estimates, not personalized quotes. Your actual premium can vary with your business classification, claims history, revenue or payroll, limits, deductibles and endorsements. To compare insurers fairly, get quotes with the same coverage terms.

Read our full methodology.

The Hartford

The Hartford: Cheapest for Healthcare, Professional and Creative Businesses

On The Hartford's site
COMPANY HIGHLIGHTS

Healthcare is the backbone of The Hartford’s lead in Utah. It has the lowest rate for 33 of the 49 healthcare business types I analyzed, and some of its biggest discounts go to specialists. An optometry practice pays $135 a month and a psychology practice $46, both 46% below the averages for their business types. Across all 74 of its wins, flight instructors save the most at $60 a month, 51% under their $122 average. Statewide, The Hartford averages $93 a month, 16% below the $110 Utah average, and its lead widens with headcount. At 10 to 19 employees, it costs $159 a month less than average.

A clinic adding staff and patients needs an insurer that keeps up with changes, and The Hartford ranks first of 10 for policy management in our national customer survey and second for claims. Buying is slower. It ranks eighth for quote speed, so a new practice should request quotes well before its lease starts. Commercial auto is also harder to add, since The Hartford generally offers it only with a Spectrum policy or workers’ comp. A solo bookkeeper who drives to client offices may end up managing three policies to get auto coverage.

Most often cheapest for these business profiles:

  • General industries: Arts, Media and Entertainment ($28 a month, 19% below average), Education ($26, 38% below), Financial Services ($29, 22% below), Healthcare and Medical ($128, 31% below) and Wholesale and Distribution ($75, 20% below)
  • Employee count: One to 49 employees

Not a fit? Need a quote today or work in a construction trade? Jump to ERGO NEXT. Run a one-person cleaning, fitness or coaching business? biBERK is the better starting point. Daycare and nanny services should check Simply Business.

ERGO NEXT

ERGO NEXT: Cheapest for Contractors, Retail and Hands-On Businesses

On ERGO NEXT's site
COMPANY HIGHLIGHTS

Utah contractors usually find their lowest rate with ERGO NEXT, not with a construction specialist. It’s cheapest for 25 construction trades, more than Thimble’s 16, from handymen ($129 a month) and plumbers ($207) to roofers ($381), and its construction average of $222 edges out Thimble’s $228. That’s part of a much broader lead. ERGO NEXT has the lowest rate for 210 of the 407 business types I analyzed, including 30 retail types and 20 in manufacturing, plus Utah’s lowest rate overall, $5 a month for mobile beauty therapists. Mobile food and drink businesses see the deepest cuts, with ice cream trucks at $64 (50% below average) and bartenders at $63 (47% below). Statewide, it averages $94, 14% under the Utah average. Its pricing suits small crews best, though. The gap behind The Hartford grows from $1 a month at one to four employees to $75 at 10 to 19.

Proof of insurance is where ERGO NEXT pulls ahead. It ranks first in our survey for quote speed and certificate handling, which matters for a contractor whose general contractor or DOPL needs a current certificate on file. Claims are slower territory, where it ranks sixth. Two limits also apply. ERGO NEXT won’t write more than $2 million per occurrence, and it only covers businesses with up to $5 million in revenue. A bartender working private events should also check whether ERGO NEXT will add liquor liability, since general liability excludes alcohol claims.

Most often cheapest for these business profiles:

  • General industries: Beauty, Body and Wellness Services ($26 a month, 27% below average), Construction and Contracting ($222, 24% below), Consulting Services ($30, 4% below), Food and Beverage ($77, 30% below), Hospitality, Travel and Tourism ($59, 35% below), Manufacturing ($39, 36% below), Marketing and Communications ($24, 20% below), Nonprofit and Associations ($40, 21% below), Other Professional Services ($55, 19% below), Repair and Maintenance ($44, 32% below), Retail and Product Rental ($82, 23% below), Tech/IT ($22, 17% below) and Transportation and Logistics ($68, 14% below)

Not a fit? Growing past a few employees, bidding on contracts that require more than $2 million per occurrence or worried about a disputed claim? Compare The Hartford. Solo owners should also check biBERK, and daycares should check Simply Business.

biBerk

biBERK: Cheapest for Cleaning, Fitness, Recreation and Solo Owners

COMPANY HIGHLIGHTS

Every cleaning and fitness business type in my Utah analysis gets its lowest rate from biBERK. House cleaners pay $82 a month, yoga instructors $23 and personal trainers $37. Coaches and instructors are a big part of its 70 wins too, including swim instructors ($62) and gymnastics coaches ($74), along with 16 healthcare types such as home healthcare agencies ($261, 28% below average). Owners with no employees are close to a three-way tie. biBERK has the lowest solo average at $51 a month, but The Hartford and ERGO NEXT are less than $2 behind, so a sole proprietor should quote all three. Hiring changes the math. biBERK’s statewide average of $102 is $9 a month above The Hartford’s at one to four employees, and the gap reaches $30 at five to nine.

biBERK earns second place for sales support and third for buying in our survey, so owners shopping for coverage for the first time can expect help choosing limits. Its claims handling sits fourth. After you buy, things can slow down, since biBERK is fifth for policy management. A janitorial company that adds new building clients often may wait longer for each policy update. Its Utah lineup includes professional liability and workers’ comp, letting a personal trainer cover fitness advice or a cleaning company cover its first hire with the same insurer. Commercial auto isn’t on that list, so a cleaner with a work van may need a second insurer.

Most often cheapest for these business profiles:

  • General industries: Cleaning Services ($70 a month, 19% below average), Fitness Services ($75, 21% below), Pet Care Services ($60, 17% below), Real Estate and Property Services ($36, 20% below) and Recreation and Sports ($76, 17% below)
  • Employee count: No employees

Not a fit? Once you’re adding staff, The Hartford usually costs less. Contractors and businesses that send new certificates every week should look at ERGO NEXT. Childcare providers should start with Simply Business.

Simply Business

Simply Business: Cheapest for Childcare, Specialty Retail and Food Shops

On Simply Business site
COMPANY HIGHLIGHTS

Utah childcare is the one industry where Simply Business has the lowest average, at $90 a month, 17% below the $108 childcare average. The lead is real for in-home daycares, which pay $71 a month, $11 less than with The Hartford. For daycare centers and nanny services, it’s a matter of cents. Simply Business beats ERGO NEXT by 38 cents for centers ($111) and The Hartford by 25 cents for nanny services ($87). Outside childcare, its 11 wins are small shops. Bakeries ($67), butcher shops ($58) and fast food counters ($74) save 33% to 34% against their averages, and antique, candy and thrift stores save about 25%. Its $107 statewide average is only 2% below the Utah average, so most other businesses will pay less elsewhere.

You don’t buy a policy from Simply Business itself. It’s an online marketplace that gathers quotes from several insurers in one application. Quotes there tend to hold, since it ranks third in our survey for how closely quotes match the final premium, and fourth for buying overall. Our survey doesn’t rate its claims or policy management, because those come from whichever insurer issues the policy. With centers and nanny services this close on price, the issuing insurer’s claims record should decide between Simply Business and the runner-up.

Most often cheapest for these business profiles:

  • General industries: Childcare Services ($90 a month, 17% below average)

Not a fit? Prefer to buy directly from an insurer with a top-two claims ranking? Go to The Hartford. Most businesses outside childcare and small shops pay less with ERGO NEXT. Solo cleaners, trainers and coaches should check biBERK.

Is the Cheapest General Liability Insurance Right for Your Utah Business?

The cheapest policy is usually enough when your main risk is a customer getting hurt or their property getting damaged, since every general liability policy covers that. It stops being enough when a Utah law, a licensing rule or the way you run your business calls for coverage the cheapest insurer may not offer. Here’s how that works for four kinds of Utah businesses.

  • Restaurants and bars that serve alcohol: Utah’s Alcoholic Product Liability Act makes a business that sells alcohol liable for injuries caused by a customer it served who was under 21 or apparently intoxicated. General liability doesn’t cover those claims. ERGO NEXT is cheapest for full-service restaurants at $90 a month, 25% below the $120 average, so a restaurant should confirm ERGO NEXT will add liquor liability before buying. Bars need to look further. ERGO NEXT is also cheapest for bars and taverns at $112 a month, but it doesn’t offer liquor liability for bars. biBERK costs 41 cents more a month and can add liquor liability to a bar’s policy, so a bar can likely get both coverages from one insurer for about $5 more a year. Ask biBERK to confirm the option is available in Utah.
  • Licensed contractors: The Utah Division of Professional Licensing (DOPL) requires every licensed contractor to carry at least $1 million per incident and $2 million in total, with DOPL listed as the certificate holder. The policy must cover all the work the license allows for as long as the license is active. Every rate on this page uses those limits, so the cheapest policy meets the minimum. The exception is Thimble’s pause option. Thimble is cheapest for electrical contractors at $219 a month, $69 less than ERGO NEXT, but work done during a Thimble pause isn’t covered. Pausing could break DOPL’s continuous-coverage rule, so a licensed contractor should keep a Thimble policy active all year.
  • General and remodeling contractors: Utah lets owners sue over injury or damage from construction work up to nine years after completion, and over contract or warranty claims up to six years after. That makes completed operations coverage, which pays when finished work causes damage later, and strong claims handling worth more than the lowest premium. ERGO NEXT is cheapest for general contractors ($236 a month) and remodelers ($207), but it ranks sixth of 10 for claims in our survey. The Hartford costs about $50 more a month for both and ranks second for claims. That difference shows up if a client files a defect claim years after the job is done.
  • Child care centers: Utah requires licensed child care centers to either carry liability insurance or tell parents in writing that they don’t. A center without coverage has to disclose that to every family it enrolls. Simply Business is cheapest for daycare centers at $111 a month, but ERGO NEXT is only 38 cents more. Since Simply Business is a marketplace, check which insurer would issue your policy and how it handles injury claims. With prices this close, that should decide it, not the 38 cents.

If your business fits one of these profiles, compare the best general liability providers in Utah on coverage and claims handling, not just price.

How to Get Cheaper General Liability Insurance in Utah

Cutting your limits to lower your premium can leave you short when a contract, a license renewal or a claim tests your policy. In Utah, the bigger savings come from which insurer you buy from, how your business is classified and when you shop again.

  • swipe icon

    Compare general liability quotes using the same limits

    The same Utah business can pay very different prices depending on the insurer. An HVAC contractor pays $214 a month with ERGO NEXT but $418 with Simply Business, about $2,450 more a year for the same limits. A food truck pays $90 a month with ERGO NEXT and $169 with Chubb. Get at least three quotes, and compare business insurance quotes with the same per-occurrence and aggregate limits on each one. Otherwise, you’re comparing different products.

  • loanReview icon

    Ensure your business classification (class code) is correct

    Your insurer prices your policy based on the type of work you report, and it checks that classification again at your end-of-term audit. In Utah, handyman services average $189 a month, while remodeling contractors average $283. A handyman who mostly does small repairs but gets classified as a remodeler could pay about $94 more a month. Reporting lighter work than you actually do doesn’t save money either, since the audit can catch it and bill you the difference.

  • signupBonus icon

    Only pay for general liability coverage limits you actually need

    State minimums are floors, not targets. DOPL requires licensed contractors to carry at least $1 million per incident and $2 million in total, which matches the limits behind every rate on this page. Utah child care centers don’t have a set dollar minimum, since they can disclose to parents that they’re uninsured instead. Your lease or client contracts may still ask for more than either. Check what your general liability requirements actually are before raising your limits, and raise them when a specific contract calls for it. If a contract requires more than $2 million per occurrence, ERGO NEXT can’t go that high, so you’d need an umbrella policy or a different insurer.
    Read More: How Much General Liability Insurance Do I Need?

  • money2 icon

    Re-shop when your business changes

    The insurer that was cheapest when you started may not be cheapest after your business changes. Get new quotes when any of these happen instead of renewing by default.

    • Hiring: Utah businesses with no employees average $60 a month, with biBERK lowest at $51 and The Hartford and ERGO NEXT within $2. At one to four employees, the average rises to $110, and The Hartford has the lowest average at every size from one to 49 employees.
    • Adding tree work: A lawn care company pays $113 a month with ERGO NEXT, its cheapest insurer. If it starts taking tree service jobs, the average for its business type rises from $170 to $204, and Thimble becomes the cheapest insurer at $131.
    • Opening a restaurant: A food truck owner who opens a sit-down restaurant pays about $90 a month with ERGO NEXT either way. Adding beer or wine is what changes the decision, since general liability doesn’t cover alcohol-related claims.
    • Adding a bar: A full-service restaurant averages $120 a month, while a bar or tavern averages $140. ERGO NEXT is cheapest for both, but it doesn’t sell liquor liability to bars, so a restaurant that becomes mostly a bar should compare biBERK, which costs 41 cents more.
    • Outgrowing your insurer: If your revenue passes ERGO NEXT’s $5 million limit, you’ll need a different insurer for general liability.
  • bag icon

    Bundle general liability insurance when it lowers your total cost

    If you also need to insure equipment, inventory or a workspace, a business owner’s policy (BOP) combines general liability and property coverage, which can cost less than buying them separately. The Hartford’s Spectrum policy and ERGO NEXT’s business owner’s policy both work this way. A thrift store with racks of inventory gets more out of a bundle than a consultant who works from client offices and has little property to insure. Compare the average cost of a BOP against standalone general liability pricing before assuming a bundle saves money.

  • takingNotes icon

    Get certificates of insurance from your subcontractors

    At your end-of-term audit, your insurer reviews who you paid outside of payroll and can add those workers to your premium. Subcontractors who carry their own general liability are charged at a lower rate than those who don’t. Before any subcontractor starts work, get a certificate of insurance with coverage dates that line up with your own policy.

Affordable General Liability Insurance in Utah: Bottom Line

The Hartford has the lowest statewide average in Utah at $93 a month, but ERGO NEXT is cheapest for more than half of the business types I analyzed, including most construction trades. biBERK leads for cleaning, fitness and owners with no employees. That means your industry and headcount decide which insurer is cheapest for you more than the statewide ranking does. Start with the insurer that’s cheapest for your business type, then confirm it covers what your license, contracts and operations require. That could be continuous coverage for a DOPL contractor license, liquor liability for a bar, or completed operations coverage and strong claims handling for a remodeler.

If the cheapest insurer falls short on any of those, compare its price against the next-cheapest insurer that does offer the coverage, and weigh that gap against the risk you’d leave uncovered. The gap is often small. A bar pays 41 cents more a month with biBERK to add liquor liability, and a general contractor pays about $50 more with The Hartford for its second-place claims ranking. Whichever insurers you consider, get quotes with the same limits so you’re comparing the same coverage.

Cheapest General Liability Insurance in Utah Chart
shoppingCart icon

LOOKING FOR CHEAP COVERAGE FOR OTHER POLICY TYPES?

Most Utah businesses need more than general liability once they hire staff or give professional advice, and each added policy raises your total insurance bill. These guides compare Utah insurers for two common add-ons.

About Angelique Palenzuela-Cruz

Angelique Palenzuela-Cruz, Business Insurance Writer, MoneyGeek

Angelique Palenzuela-Cruz is a Business Insurance Content Writer at MoneyGeek, where she specializes in general liability, workers’ compensation and professional liability insurance. Her work helps small business owners understand how these policies apply to coverage, including risks like customer injuries, employee injuries, professional mistakes, client contract terms and industry-specific coverage requirements.
She primarily covers service-based businesses where liability and employee coverage decisions are especially important, including cleaning, consulting, beauty and wellness, childcare, education, fitness, food service, pet care, repair and maintenance, and other professional services.
Before joining MoneyGeek, Angelique spent nearly 12 years at Guthrie-Jensen Consultants, one of Southeast Asia’s largest management training firms, where she advanced from Training Consultant to Managing Consultant. In that role, she worked with business clients to assess operational needs, develop training programs and present performance analyses to executive decision-makers. She also helped establish Gladwin Training Consultancy, where she served in learning solutions and client service roles.
Her background gives her practical context for writing about how businesses operate, manage client expectations, structure teams and make risk decisions. At MoneyGeek, she applies that experience to business insurance content, connecting coverage to actual business needs.

LinkedIn: linkedin.com/in/ma-angela-cruz

Email Contact: angelique.palenzuela@moneygeek.com

Read Full Bio »
Sources