General Contractor Insurance in Utah

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Why do Utah general contractors need insurance?

The Beehive State is home to a thriving construction industry. There are just over 19,800 sole traders working in the industry and many of them are registered as general contractors. Insurance for contractors for Utah tradespeople can protect a lot of these small-scale businesses.

Construction sites can be dangerous places to work. A simple incident could result in a large liability for your small business regardless of whether you are working on residential or commercial construction projects. Contractor insurance is considered a must for many Utah business owners to protect their hard-earned work from injuries, delays, and other common problems.

Contractor insurance is a variety of kinds of coverage that a General Contractor might take into consideration.

  • General Liability
  • Business Owner’s Policy
  • Workers’ Compensation

Find out more about contractor insurance in Utah and how BizInsure can help you find top-rated insurance for your requirements.

Who needs contractor insurance in Utah?

Many contractors purchase insurance to safeguard their business and finances. General Liability, and other insurance policies can be an essential security net for your company.

There is a possibility that specific kinds of coverage are required in order to conduct business with a specific client (a requirement which is often stipulated in contracts for business).

Select your profession from the following list to get more information about the options available for insurance and to start with a personalized insurance quote.

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What insurance do contractors need in Utah?

Utah contractors often take a look at various kinds of insurance. These policies might help you mitigate the common risks that general contractors face.

General Liability Insurance

On a construction site, anything can occur. An innocent action–like placing your toolbox in the wrong place–could result in an enormous problem for your company if someone is hurt because of the mistake you made.

Your General Liability policy can protect you against any claim by an outside party regarding injury or damage to their property. In these instances, your policy will cover your legal expenses as well as your cost to replace or remedy the situation up to the limits of liability. It can also be used to pay for repairs or replacing property damaged by damage, as well as paying medical costs.

General Liability coverage may also be called Commercial General Liability (CGL) or “slip and fall” coverage.

Business Owner’s Policy

If you’re in the construction business, things don’t always run smoothly. The construction industry is prone to delays in projects, broken tools and other mishaps.

A Business Owner’s Policy (BOP) is a combination of policies, combining covers such as General Liability insurance and business personal property coverage, to help protect small businesses from costly interruptions to service. The BOP can be customized to include coverage options that fit the needs of your business. This is a cost-effective and efficient way to shield yourself from many of the risks that are common to general contractors.

Workers’ Compensation Insurance

If you depend on employees to run your company, it’s your responsibility to look after their health and well-being while they are at work.

Workers’ Compensation insurance protects you against medical expenses and lawsuits that can arise from employee workplace injuries and illnesses. It could also pay lost wages as a result of the work injuries that an employee sustains.

In Utah, with a limited exception, businesses must obtain Workers’ Compensation insurance.

What does contractor insurance cover in Utah?

Contractor’s insurance can cover your business for many kinds of risk. Based on the type of coverage that you select, events like:

  • Protection for Third-Party Injuries and Property Damage Claim (General Liability)
  • Unexpected Business Interruptions (Business Owner’s Policy)
  • Equipment breakdown (BOP)
  • Injuries and illnesses of employees at work (Workers’ Compensation)

How much does contractor insurance cost in UT?

Insurance companies take into account various aspects when determining the cost for every business. The cost for your company may depend on such things as:

  • The type of insurance you want
  • Size of your business (annual revenue)
  • The total number of people covered by the insurance policy
  • You claim history
  • Choose the level of coverage

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As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
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