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Utah Contractor Insurance

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Business Insurance for Contractors in Utah

As a contractor in Utah, it is important to have the right insurance coverage to protect your business and your clients. Without proper insurance, you could face financial ruin if something goes wrong on the job. In this article, we will explore the various types of insurance that contractors in Utah should consider, as well as what to look for when shopping for coverage.

Utah General Liability Insurance

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:

  1. Property damage: If a contractor damages a client’s property while working, general liability insurance can help cover the cost of repairs.
  2. Bodily injury: If a contractor or their employee is injured on the job, general liability insurance can help cover medical expenses.
  3. Personal and advertising injury: This coverage can help protect contractors against claims related to defamation, slander, or false advertising.

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.

Utah Workers' Compensation Insurance

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:

  1. Medical expenses: This includes the cost of medical treatment and rehabilitation services.
  2. Lost wages: If an employee is unable to work due to a job-related injury, workers’ compensation insurance can help cover their lost wages.
  3. Permanent disability: If an employee is permanently disabled as a result of a job-related injury, workers’ compensation insurance can provide benefits to help compensate for their loss of earning capacity.

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.

Utah Commercial Auto Insurance

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:

  1. Property damage: If a contractor’s vehicle is involved in an accident and damages another vehicle or property, commercial auto insurance can help cover the cost of repairs.
  2. Bodily injury: If a contractor or their employee is injured in a car accident while driving a business vehicle, commercial auto insurance can help cover medical expenses.
  3. Liability: If a contractor’s vehicle is involved in an accident and the contractor is found to be at fault, commercial auto insurance can help cover liability claims made by the other party.

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.

Utah Builder's Risk Insurance

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:

  1. Property damage: If a construction project is damaged by fire, vandalism, or other covered perils, builders risk insurance can help cover the cost of repairs.
  2. Materials theft: If construction materials are stolen from the job site, builders risk insurance can help cover the cost of replacement materials.
  3. Delay in completion: If a construction project is delayed due to covered perils, builders risk insurance can help cover the extra costs associated with the delay.

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.

Utah Inland Marine Insurance

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:

  1. Equipment: If a contractor’s equipment is damaged or stolen while in transit, inland marine insurance can help cover the cost of repairs or replacement.
  2. Tools: If a contractor’s tools are damaged or stolen while in transit, inland marine insurance can help cover the cost of repairs or replacement.
  3. Materials: If a contractor’s construction materials are damaged or stolen while in transit, inland marine insurance can help cover the cost of replacement materials.

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.

Utah Commercial Umbrella Insurance / COI

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:

  1. Excess liability: If a contractor’s liability claims exceed the limits of their other insurance policies, commercial umbrella insurance can provide additional coverage.
  2. Uninsured or underinsured motorists: If a contractor or their employee is involved in an accident with an uninsured or underinsured motorist, commercial umbrella insurance can help cover the costs of damages and injuries.
  3. Personal and advertising injury: This coverage can help protect contractors against claims related to defamation, slander, or false advertising.

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.

Utah ACORD Certificates

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.

Business Insurance for Contractors in Utah

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.

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Your Utah Contractors Insurance Questions Answered

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.