Contractor Insurance
in Utah
Protect Your Projects with Trade-Specific Insurance in Utah
Utah’s construction industry is booming—but strict licensing laws, elevation-related weather risks, and trade-specific rules make contractor insurance a must. From residential remodels in Salt Lake City to solar installs in St. George, you need coverage that works as hard as you do.
At Affordable Contractors Insurance (ACI), we help Utah contractors get insured quickly, affordably, and in full compliance. Whether you’re a solo handyman or managing multiple crews, we’ll match you with policies tailored to your trade, job size, and local requirements.
Why Contractors in Utah Choose ACI
Utah Expertise
We understand state-specific license and insurance mandates
Same-Day Certificates
Get proof of coverage fast to secure permits or start jobs
Flexible Payment Plans
Start coverage with as little as 20% down
Bundled Policy Discounts
Save up to 25% when combining multiple policies
Trade-Tailored Protection
Policies aligned with your tools, services, and risks
Insurance Coverage We Offer in Utah
We provide a full suite of contractor insurance products designed for Utah’s trades and jobsite conditions:
- General Liability Insurance
Protects against third-party injuries, property damage, and lawsuits—often required for licensing and contracts in Utah.
- Workers’ Compensation Insurance
Covers medical costs and lost wages for employee injuries. Required if you have one or more employees, including part-time help.
- Commercial Auto Insurance
Protects your work vehicles from accidents, theft, and liability. Required for any business-registered vehicles in Utah.
- Tools & Equipment Insurance
Covers your tools, gear, and equipment from damage, theft, or loss—on site or in transit.
- Builder’s Risk Insurance
Covers buildings under construction and materials on site from fire, theft, vandalism, or weather damage.
- Professional Liability Insurance
Covers professional errors, design issues, or project delays that result in financial loss or lawsuits.
Who We Cover in Utah
ACI serves contractors of all sizes across Utah’s residential, commercial, and specialty trades:
- General Contractors
- Electricians
- Plumbers
- Roofers
- HVAC Contractors
Whether you’re based in Provo, Ogden, or working statewide, we’ll help you stay covered and compliant.
How Much Does Contractor Insurance Cost in Utah?
Your monthly rate depends on several key factors. Here’s what affects what you’ll pay:
Cost Factors
- Type of Work
Higher-risk trades like roofing typically cost more than painting or flooring.
- Business Size
Solo contractors pay less than businesses with large crews or payrolls.
- Coverage Limits
Higher limits provide better protection, but increase your premium.
- Claims History
A clean record may qualify you for lower rates.
- Location & Risk Exposure
Jobsites in high-theft areas or regions with harsh weather may raise your rate.
Request a custom quote to see your exact rate—built for your trade and risk level.
Utah Contractor Insurance Requirements
Contractors in Utah must meet specific insurance requirements depending on license type and business structure:
General Liability Insurance
Most licensed general and specialty contractors must carry liability insurance to meet state and project requirements.
Workers’ Compensation Insurance
If you hire employees or subcontractors, you’re required to provide workers’ compensation under Utah law.
Commercial Auto Insurance
Vehicles used for contracting work must be insured under a commercial auto policy—not personal coverage.
Requirements vary based on trade and job location—get expert help from ACI to ensure compliance.
Get a Free Contractor Insurance Quote
in Utah
Get covered fast with ACI. Our team will match you with the right policy—so you can get to work without delays.