From Utah Workers’ Compensation Insurance to General Liability, Commercial Auto Insurance & More. We Are Your Easy & Stress Free Construction Insurance Provider in Utah!
General liability insurance is a type of insurance that protects contractors from financial loss due to liability claims. In Utah, contractors are required to have general liability insurance in order to operate their business. This insurance can help protect contractors against claims arising from accidents, injuries, or damages that occur on the job site.
General liability insurance can cover a variety of potential claims, including:
It’s important for contractors to carefully review their insurance coverage and ensure that it meets their needs. It’s also a good idea to speak with an insurance professional to determine the appropriate amount of coverage for their specific business.
In Utah, contractors are required to carry workers’ compensation insurance if they have at least one employee. This insurance helps cover the medical expenses and lost wages of an employee who is injured on the job.
Workers’ compensation insurance can provide benefits to employees for:
It’s important for contractors to make sure they have adequate workers’ compensation insurance coverage to protect their employees and their business. If an employee is injured on the job and the contractor doesn’t have adequate coverage, the contractor could be held responsible for paying the employee’s medical expenses and lost wages out of pocket.
Commercial auto insurance is a type of insurance that covers vehicles used for business purposes. In Utah, contractors who use vehicles for their business operations are required to have commercial auto insurance. This includes vehicles such as pickup trucks, vans, and trailers used to transport equipment and materials.
Commercial auto insurance can provide coverage for:
It’s important for contractors to carefully review their commercial auto insurance coverage and ensure that it meets their needs. It’s also a good idea to speak with an insurance professional to determine the appropriate amount of coverage for their specific business.
Builders risk insurance is a type of insurance that helps protect contractors against financial loss due to damages or losses to a construction project. In Utah, contractors may choose to purchase builders risk insurance to protect their investment in a construction project.
Builders risk insurance can cover a variety of potential losses, including:
It’s important for contractors to carefully review their builders risk insurance coverage and ensure that it meets their needs. It’s also a good idea to speak with an insurance professional to determine the appropriate amount of coverage for their specific construction project.
Inland marine insurance is a type of insurance that covers property that is transported over land, such as equipment, tools, and materials. In Utah, contractors may choose to purchase inland marine insurance to protect their property while it is being transported to and from job sites.
Inland marine insurance can provide coverage for:
It’s important for contractors to carefully review their inland marine insurance coverage and ensure that it meets their needs. It’s also a good idea to speak with an insurance professional to determine the appropriate amount of coverage for their specific business.
Commercial umbrella insurance is a type of insurance that provides additional liability coverage above and beyond the limits of a contractor’s other insurance policies. In Utah, contractors may choose to purchase commercial umbrella insurance to provide an extra layer of protection for their business.
Commercial umbrella insurance can provide coverage for:
It’s important for contractors to carefully review their insurance coverage and determine if commercial umbrella insurance is necessary for their business. It’s also a good idea to speak with an insurance professional to determine the appropriate amount of coverage for their specific needs.
An ACORD certificate is a standardized form used to provide proof of insurance coverage. In Utah, contractors may be required to provide an ACORD certificate when bidding on a project or when working on a job site. The ACORD certificate provides information about the contractor’s insurance coverage, including the types and limits of coverage.
It’s also important for contractors to ensure that their ACORD certificate is up to date and accurately reflects their current insurance coverage. It’s also a good idea to keep a copy of the ACORD certificate on hand at all times in case it is needed while working on a job site.
As a contractor in Utah, it’s important to have the appropriate insurance coverage to protect your business and your employees. General liability insurance, workers’ compensation insurance, commercial auto insurance, builders risk insurance, inland marine insurance, and commercial umbrella insurance are all types of coverage that contractors in Utah may need to consider. Working with a trusted insurance professional like ours can help contractors determine the appropriate coverage for their specific business needs and find the best rates.
If you want to get the best coverage now, from the best carriers and at the lowest price, call us at (888) 973-0016 or click for a free quote. We can assist you and answer all your questions 24/7!
Get answers to your most common questions from Contractors Liability
For General Liability Insurance in Utah, you need $1,000,000 per occurrence and $2,000,000 aggregate almost 100% of the time. 99% of all General Liability policies we sell in Utah are $1,000,000/$2,000,000.
For Commercial Auto Insurance in Utah, you need $1,000,000 CSL meaning $1,000,000 Combined Single Limit for Bodily Injury and Property Damage to the other party combined. To protect your Utah vehicle you need to have Comprehensive and collision coverage. Commercial Auto Collision Insurance in Utah covers any collision and Comprehensive Commercial Auto Insurance covers anything but collision.
For Workers Compensation Insurance in Utah, you need $500,000/$500,000/$500,000 in general. This covers your workers in the event of a claim where the owner is liable up to $500,000. In 99% of cases the owner is not liable and coverage for workers compensation is unlimited.
