Business Insurance in Utah
So, you’ve got a business in Utah? Whether you're running a ski shop up in Park City or a tech startup in Salt Lake, you've got enough on your plate without worrying about what might go wrong. That’s where we come in. At Business Insurance USA, we help small businesses like yours protect themselves from the unexpected—things like accidents, lawsuits, or even a fire that wipes out your office.
Kind of Insurance You Need
We know insurance can seem like a lot to wrap your head around, but it doesn’t have to be complicated. You need coverage that’s going to protect your business from common risks without costing you an arm and a leg. Here are a few types of insurance you might want to consider, depending on what you do.
General Liability Insurance
General liability insurance is there if someone outside your business gets hurt or their property gets damaged because of something you did (or didn’t do).
For example, if a customer trips in your store and breaks their wrist, you don’t want to be paying those medical bills out of pocket. That’s what liability insurance is for—it’s a must-have.
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Commercial Property Insurance
Own a building? Got equipment or inventory? You’ll want property insurance. This covers damage to your physical stuff, whether it’s a fire, theft, or even a windstorm.
Let’s say a wildfire damages your warehouse—property insurance steps in to help cover repairs and get you back on your feet.
Workers’ Compensation Insurance
This one’s required in Utah if you’ve got employees. Workers’ comp covers medical bills and lost wages if one of your workers gets hurt on the job. Whether they’re in construction or working in an office, accidents happen. You don’t want to be caught without this.
Claim Example: An employee injures their back lifting heavy equipment and requires surgery.
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Commercial Auto Insurance
If your business owns vehicles, you need commercial auto insurance. It covers accidents, damage, and injuries when your vehicles are out on the road.
So, if you run a delivery service and one of your trucks gets in a wreck, this insurance will cover the repairs and any liability.
Professional Liability Insurance (E&O)
Are you in a profession where giving advice or offering services is your bread and butter? If so, this one’s for you. Professional liability, also called errors & omissions (E&O), covers you if a client says you messed up and caused them financial loss. Maybe you’re a real estate agent and a deal goes sideways—this policy has your back.
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Business Owner’s Policy (BOP)
If you like things simple, a Business Owner’s Policy bundles general liability and property insurance into one package. This option works great for small businesses and is a cost-effective way to cover your basic risks.
Claim Example: A storm damages your building’s roof, and a customer gets injured on-site the next day.
Who Needs Business Insurance in Utah
Utah’s business scene is pretty diverse, and every type of business has its own unique risks. Here’s a quick rundown of who I typically work with and how insurance can help them out.
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Tech Startups: Salt Lake City’s tech scene is booming, but with that comes risks like data breaches and intellectual property claims. Professional liability and cyber insurance are key here.
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Retailers: From the boutiques in Moab to the big shops in downtown SLC, retailers need general liability and property insurance to cover accidents, damages, and inventory loss.
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Contractors and Builders: Utah’s always got some kind of construction going on. Contractors need to protect their tools, equipment, and liability at job sites. I’ll set you up with the right coverage for all that.
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Hospitality and Tourism: With tourists flocking to the slopes in winter and the national parks in summer, hotels, restaurants, and tour operators need solid coverage to handle the constant flow of customers.
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Service-Based Businesses: If you’re a consultant, an accountant, or run any other kind of service business, you’ll want professional liability insurance to protect you if clients claim you gave them bad advice.
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Why Work with Us
We get it—you’ve got plenty of choices for business insurance. So, why work with us? Simple. We make the process easy. With over 18 years of experience, we’ve mastered the art of finding you the right coverage at a price that makes sense. No confusing insurance talk here—just straightforward advice to make sure you’re covered without paying for things you don’t need.
- Affordable Coverage: We compare quotes from multiple insurers to find you the best deal.
- Tailored Solutions: Every business has its own risks. We’ll help you find coverage that fits your specific needs.
- Personalized Service: We’re not some faceless company. Our team is here to answer your questions, give solid advice, and make sure you’re set up with exactly what you need.
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(888) 900 0205