Utah Business Insurance

Customized protection for your Utah business

Utah business owners should consider several types of business insurance to protect them from a variety of work-related incidents, including property damage, employee injury and customer mishaps.

Utah reported 31,700 non-fatal workplace injuries in 2022, with nearly 87% of them from private sector businesses, according to the Bureau of Labor Statistics. An employee missing work, even for a short amount of time, can disrupt business operations and threaten your cashflow and assets.

Shop for workers’ compensation, general liability, professional liability and more through the Progressive Advantage® Business Program. We’ll help you customize a business policy that meets your specific needs.

Types of UT business insurance

General Liability

This is the most common business insurance coverage, and nearly all businesses in Utah should have it. It protects against third-party bodily injury and property damage, as well as personal and advertising injury.

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Commercial Auto

This coverage protects against damage to your vehicles and trailers, as well as injuries or property damage related to their use. Your personal auto policy doesn’t cover vehicles while they’re being used for business reasons.

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Workers' Compensation

Businesses in Utah are typically required to have workers' comp insurance if they have employees. Workers’ compensation insurance helps pay for expenses related to employees becoming injured or ill while working for you.

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Business Owners Policy (BOP)

A BOP combines property and liability coverage into one easy-to-manage policy. It’s a great option for small to medium-sized businesses that rent or own commercial property, such as a storefront, warehouse or office building.

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Professional Liability

Utah businesses that offer professional services should consider this coverage. It protects businesses from claims of professional negligence, both actual or alleged, and helps pay for defense costs. It’s also known as errors and omissions insurance (E&O).

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Cyber Insurance

This protects against incidents like data breaches and cyber attacks. It includes first-party and third-party protection for things like investigative services, data recovery and legal costs. Businesses that store or manage customer data, like credit card information, typically need this coverage.

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How much does business insurance cost in Utah?

The cost of business insurance in Utah depends on several rating factors, including your business’s size, location and coverage needs. For example, a business located in Salt Lake City can expect a different rate than a business in St. George.

The most significant factor is your profession. Businesses are usually rated on the exposures that are unique to their industry. For example, a florist can expect a lower rate than a contractor because their work is less physical and usually doesn’t require the use of heavy equipment.

Learn more about the factors that influence your cost, or get a free online quote to find out your rate.

Utah business insurance requirements

Business insurance isn’t required by law in Utah except for workers’ compensation. Employers must carry workers’ comp coverage for each of their employees and can purchase coverage through a private insurance carrier or qualify to become self-insured.

Other business insurance, like general liability, professional liability or a BOP, aren’t required by the Utah law, but it’s a good idea to have some type of coverage to protect from unexpected incidents. It’s also common for a client or landlord to require business insurance before entering a contract or lease.

Resources for Utah small business owners:

Small Business Resources (Utah.gov)
Employer’s Guide to Workers’ Compensation (Utah Labor Commission)
2023 Utah Small Business Profile (U.S. Small Business Administration)
2018 Utah Workplace Injury Data (U.S. Bureau of Labor Statistics)

Utah professions we insure

We help small business owners from a wide variety of industries, including these common professions:

Browse more examples of professions we insure.

Why choose Progressive?

Options

We can help you secure coverage at any stage of your business’s development with the flexibility to adjust your policy as your business changes. Our agents will work with you to make sure you’re getting protection that meets both your needs and budget.
Experts

As the #1 commercial auto insurer in America^*, you can trust us with all your business insurance needs. Our team of specially trained, in-house agents can assist you every step of the way to make sure you’re getting the best coverage for your business.
Convenience

There are several ways to get a quote, whether you need a single Utah policy or a combination of business insurance coverages. Simply start a quote online or call us to speak with an agent.