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Recommended insurance policies for small businesses in Utah
General liability insurance
General liability covers common risks for small businesses in Utah, including customer property damage and injuries. Commercial leases often require this policy.
- Customer injuries at your company
- Damaged customer property
- Copyright and defamation lawsuits
Errors and omissions insurance
This policy is also called professional liability insurance. It protects professionals against lawsuits over mistakes, missed deadlines, and oversights.
- Work errors and oversights
- Professional negligence lawsuits
- Late or incomplete work
Cyber liability insurance
This policy protects Utah small businesses against data breaches and cyberattacks that affect your business or a client.
- Data breach lawsuits
- Client notification expenses
- Fraud monitoring costs
Business owner’s policy
This policy bundles property insurance and general liability insurance. It's often the most cost-effective type of commercial insurance for a Utah small business.
- Customer injuries
- Damaged customer property
- Damaged business property
Workers’ compensation
Workers’ compensation insurance is required for every Utah small business that has employees. It can cover medical costs for work injuries.
- Employee medical expenses
- Wages lost while unable to work
- Lawsuits over employee injuries
Commercial auto insurance
This policy is required for vehicles owned by Utah small businesses. It covers injuries and property damage in an accident, along with other types of damage.
- Accidents involving business-owned vehicles
- Theft of a business-owned vehicle
- Damage to a company vehicle
Looking for different coverage? Check out our other policies.
What are the insurance requirements for small businesses in Utah?
Workers' compensation insurance
Utah state law requires businesses with employees, full-time or part-time, to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.
Commercial auto insurance
Vehicles owned by small businesses in Utah must be covered by commercial auto insurance. Utah’s commercial auto insurance requirements are:
- Bodily injury liability: $25,000 per person / $65,000 per accident
- Property damage liability: $15,000 per accident
- Personal injury protection: $3,000
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.
How much does small business insurance cost?
Commercial insurance can be affordable for small business owners with low risks. Based on policy data from TechInsurance customers in Utah, the average premiums are:
General liability: $45 per month
Workers' compensation: $44 per month
Professional liability / E&O: $76 per month
Factors that influence the cost of business insurance include:
- Type of business
- Business operations
- Number of employees
- Location, such as West Valley City or Provo
- Policy limits and other coverage options
- Claims history
We specialize in business insurance for Utah IT and technology professionals
Our agents are experts in insurance for Utah technology businesses. They can help you find policies that fit your company and fulfill state requirements. TechInsurance is licensed by the Utah Insurance Department as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance (license number 348260) and for surplus lines (license number 412115). You can verify our licensure with the Sircon Corp. Verification System by selecting Utah, agency, and then entering either of our state license numbers.
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