Best Small Business Insurance in Utah

NEXT Insurance makes it easy for Utah contractors to get job-ready proof fast, ranking first in MoneyGeek's study for customer service and coverage at $86 monthly. Most policies issue instantly with same-day certificates of insurance for client contracts and job sites.

Utah contractors pay $86 monthly ($1,029 annually) for NEXT Insurance and save on the coverage they need most. General liability, professional liability and workers' comp all cost below state averages. Business owner's policies run $127 monthly, saving you $12 monthly compared to Utah's average.

NEXT Insurance ranks first nationally for digital experience and policy management, so you can get quotes and certificates fast online. Claims processing ranks fourth nationally, meaning longer waits when you file. The mobile platform excels for purchasing coverage but may frustrate you during claims.

NEXT Insurance delivers same-day certificates of insurance, which is critical when Utah contractors need proof before starting jobs. You can add hired and non-owned auto coverage if employees drive personal vehicles for work, plus tools and equipment protection up to $50,000 for contractors and tradespeople.

The Hartford offers the cheapest small business insurance in Utah at $85 monthly, ranking second in MoneyGeek's study for customer service and financial stability. It's best for Utah contractors and small businesses who want the lowest rates without sacrificing claims support when job-site accidents happen.

Utah small businesses pay $85 monthly ($1,021 annually) for The Hartford and save on coverage they need. General liability costs $86 monthly for contractor job-site protection, while workers' comp runs $66 monthly if you hire employees. Both cost below state averages.

The Hartford ranks first nationally for claims processing and customer service, meaning faster help when you file property damage or injury claims. The digital platform ranks 10th nationally, so getting online quotes and certificates of insurance takes longer than competitors.

The Hartford offers equipment breakdown coverage to protect HVAC systems, refrigeration and machinery for Utah contractors and trades. You can add employment practices liability when you hire your first employee, plus cyber liability protection bundled in business owner's policies.

Simply Business offers the broadest coverage options in Utah at $93 monthly, ranking first for policy choices that match specialized business risks. It's best for Utah contractors who need pollution liability, hospitality businesses serving alcohol, or food retailers who need product liability beyond standard general liability.

Utah small businesses pay $93 monthly ($1,110 annually) for Simply Business. Business owner's policies cost $138 monthly and save you $16 compared to the state average, bundling general liability with property coverage contractors need for equipment and tools. Workers' comp costs $68 monthly if you hire employees.

Simply Business ranks third nationally for digital experience but doesn't offer same-day certificates of insurance like NEXT. Claims processing ranks eighth nationally, meaning longer waits when you file customer injury or property damage claims at job sites. The online platform works well for quotes but may frustrate you during claims.

Simply Business offers pollution liability for Utah contractors handling paint, solvents or hazardous materials at job sites. You can add liquor liability if you run bars, restaurants or catering businesses, plus product liability for food manufacturers and retailers selling products to customers.