Get A Precise Insurance Quote For Your Utah Construction Business Now
It Just Takes A Few Clicks
Or Give Us A Call At (440) 826-3676
Utah Contractor Insurance From The Allen Thomas Group
Utah contractor insurance has never been more critical. Why? The state leads the nation in construction growth.
With Utah’s construction industry employing over 105,534 workers and $2.37 billion in residential projects, contractors face unprecedented opportunities.
They also face increased liability risks that can devastate unprepared businesses.
The Allen Thomas Group makes protecting your contracting business smart and easy. Simple as that.
Our 20+ years of experience serving contractors across 20+ states means we understand Utah’s unique requirements. From DOPL compliance to the new 2025 auto liability minimums that caught many contractors off guard.
Utah creates opportunities. But it also demands protection. We simplify the complex world of contractor insurance. We ensure you meet all Utah licensing requirements while securing comprehensive coverage that grows with your business.
Get a Free Quote Today!
Table of Contents
Utah Contractor Insurance Requirements: What Every Contractor Must Know
Utah contractor licensing requires specific insurance minimums. Every contractor must understand this.
- All licensed Utah contractors must carry general liability insurance with minimum coverage of $100,000 per incident and $300,000 total. This isn’t just good business practice. It’s the law that keeps you operating legally.
- Workers’ compensation insurance becomes mandatory the moment you hire your first employee. Utah contractors typically invest $3,968 per employee annually for this essential protection. This protection shields both workers and business owners from financial ruin.
- The Division of Occupational and Professional Licensing (DOPL) must be listed as a certificate holder. This applies to both policies.
- New 2025 regulations increased Utah’s auto liability minimums. The new requirements? $30,000/$65,000/$25,000, up from previous levels.
- This affects every contractor using vehicles for business purposes. From pickup trucks to heavy equipment haulers.
- Certificate of insurance turnaround time can make or break project bids. The Allen Thomas Group provides certificates within minutes, not days. We ensure you never miss deadlines due to paperwork delays that cost profitable opportunities.
Our regulatory expertise means you stay compliant. You focus on building. We handle the insurance complexity.
Complete Protection: Essential Insurance Coverage for Utah Contractors
Utah contractors protect valuable equipment and operations through comprehensive coverage. Smart coverage designed for construction risks.
Beyond basic requirements, successful contractors invest in protection. Protection that reflects their true exposure to liability, theft, and operational disruption.
General liability coverage addresses the most common contractor risks:
- Third-party property damage during construction
- Bodily injury claims from job site accidents
- Personal and advertising injury protection
- Products and completed operations coverage
Workers’ compensation costs average $9,900 per $100,000 of payroll in Utah. Relatively moderate compared to other states.
This coverage protects both your employees and your business. It protects against devastating injury claims that can bankrupt unprepared contractors.
Commercial auto insurance now requires higher minimums. But it protects your fleet investment completely.
Whether you operate pickup trucks or heavy equipment haulers, proper coverage prevents financial disaster. Disaster from vehicle accidents that happen more frequently during busy construction periods.
Professional liability insurance protects specialty contractors from errors and omissions claims. Project specifications go wrong sometimes.
This coverage handles legal defense and settlement costs. It protects when clients claim your work caused their financial losses.
Tools and equipment coverage replaces stolen or damaged equipment anywhere in Utah. Tool theft rises during construction booms.
This protection ensures projects continue uninterrupted. Uninterrupted when thieves target valuable contractor equipment.
Builder’s risk insurance covers projects under construction. Weather happens. Vandalism occurs.
This coverage protects your investment and your client relationships. It protects when unexpected events damage active projects.
Smart & Easy Insurance Solutions: Why Utah Contractors Trust Allen Thomas Group
The Allen Thomas Group simplifies insurance decisions. We deliver superior protection.
Our “Smart & Easy” approach eliminates the confusion that plagues traditional insurance shopping, making complex coverage decisions straightforward for busy contractors who need answers, not complications.
- Twenty-plus years of contractor experience across multiple states gives us insights Utah-only agencies simply can’t match. We’ve helped contractors navigate boom markets, economic downturns, and regulatory changes that challenge unprepared businesses.
- Independent agency advantages mean real choice for discerning contractors. While captive agents sell one company’s products, we shop dozens of top-rated carriers to find your best combination of coverage and price that fits your specific business needs.
- Personal service sets us apart from digital-only competitors completely. You get a dedicated agent who understands construction risks, not a chatbot reading scripts from a database. When you need certificates, changes, or claims assistance, you reach a real person who knows your business.
- National reach with local understanding means we grasp Utah’s unique market dynamics perfectly. We’ve seen how different states handle contractor requirements and bring that knowledge to your Utah operation with confidence.
- Competitive pricing comes from carrier relationships built over decades. We don’t just quote the obvious choices. We find the specialists who understand contractor risks and price them accordingly for maximum value.
- Quick turnaround on certificates and policy changes keeps your projects moving forward.
Protecting Your Business in Utah's Booming Construction Market
Utah’s construction boom creates opportunities. Massive opportunities.
But these opportunities demand proper risk management. Risk management that matches the scale of potential rewards and the magnitude of potential losses.
- Leading the nation in residential construction per capita means more projects, higher revenues, and increased liability exposure. Exposure for every contractor. More workers on sites. More equipment at risk. More chances for accidents that can devastate unprepared businesses.
- Labor shortages throughout Utah construction drive up wages and create competitive pressures. Pressures that smart contractors navigate carefully. Contractors poach crews, leading to inexperienced workers and higher accident risks. Risks that increase insurance claims. Proper insurance becomes even more critical when workforce stability decreases significantly.
- Major infrastructure projects like the Salt Lake City Airport expansion and I-15 corridor improvements create massive opportunities. Opportunities for qualified contractors. These large-scale projects also demand higher insurance limits. They demand more sophisticated coverage that protects against million-dollar claims.
- Rising material costs and project complexity increase potential claim sizes dramatically. A simple property damage claim that cost $10,000 five years ago might cost $25,000 today. Your coverage limits must reflect current replacement costs. Not outdated estimates that leave you exposed.
The Allen Thomas Group helps growing contractors scale their insurance properly. We’ve guided hundreds of contractors through expansion phases.
We ensure protection keeps pace with business growth. Growth rather than creating dangerous coverage gaps.
Utah’s economic momentum shows no signs of slowing down. Smart contractors position themselves now with proper insurance foundations.
Foundations that support sustained growth rather than creating coverage gaps during critical periods.
Our experience with boom markets helps you avoid common pitfalls. We maximize opportunities.
Tailored Insurance Solutions Built For Your Utah Construction Company
We know how frustrating and complex the process of finding the right contractor insurance can be and how it can be difficult to get a certificate of insurance quickly.
Let us help craft a policy that works for you.
Tell us about your specific needs and we will find the right policy for you.
Review the results of our search.
We will walk you through your new policy step by step.
That allows us to find the best rates for your business.
Protect Your Utah Contracting Business Today
Utah’s construction boom demands proper protection for smart contractors. The Allen Thomas Group’s proven “Smart & Easy” approach and 20+ years of contractor expertise ensure comprehensive coverage.
Coverage that grows with your business. Coverage that protects your success.
Don’t let inadequate insurance threaten your success. Not during Utah’s biggest construction opportunity in decades.
Call (440) 826-3676 today for your free Utah contractor insurance quote. Discover why contractors across 20+ states trust our proven approach.
Get More Insights On Making The Right Insurance Decision For Your Company
What insurance is required for Utah contractors?
All licensed Utah contractors must carry general liability insurance. The minimum? $100,000 per incident and $300,000 total coverage.
Workers’ compensation becomes mandatory when you hire employees. It protects both workers and your business from devastating claims.
You must list DOPL as certificate holder on both policies. New 2025 auto liability minimums are $30,000/$65,000/$25,000, higher than before.
The Allen Thomas Group ensures complete Utah compliance without the confusion.
How much does contractor insurance cost in Utah?
General liability averages $45 per month for Utah contractors. Workers’ compensation typically costs $3,968 per employee annually or $9,900 per $100,000 payroll.
Reasonable compared to other states. Actual costs depend on your trade, experience, and claims history. Factors we evaluate carefully.
The Allen Thomas Group’s carrier relationships deliver competitive pricing. Pricing that often beats larger agencies by significant margins.
How quickly can Allen Thomas Group provide certificates of insurance?
We provide certificates within minutes. Not hours. Not days.
When you’re bidding projects or starting jobs, timing determines success or failure. While competitors promise “same-day” service, we deliver instantly.
We deliver when you need them most. This speed advantage helps Utah contractors win more bids and avoid project delays that cost money.
What makes Allen Thomas Group different from other Utah contractor insurance agencies?
Our “Smart & Easy” approach eliminates confusion. No technical jargon. No complex processes.
Twenty-plus years of contractor experience across 20+ states provides insights. Insights Utah-only agencies can’t match because they lack our broad perspective.
As an independent agency, we shop multiple carriers while providing personal service. Service that digital competitors can’t replicate effectively.
Do I need workers' compensation if I work alone as a Utah contractor?
Workers’ compensation becomes mandatory the moment you hire your first employee in Utah. However, sole proprietors benefit from coverage protecting against work injuries.
Injuries that health insurance might deny, leaving you financially exposed. The Allen Thomas Group helps you understand when coverage becomes required.
We explain why early adoption makes financial sense for growing contractors.
We Provide Comprehensive Coverage Options For All Trades Listed Below
- Appliance Repair
- Carpenters
- Concrete Contractors
- Drywall Contractors
- Electrician
- Excavation
- Fence Installation
- Flooring Contractors
- General Contractors
- HVAC Contractor
- Handyman Services
- Home Renovation and Remodeling
- Landscaper
- Manufacturing
- Masonry
- Painter
- Paving Contractor
- Plumber
- Roofing Contractor
- Sheet Metal Contractor
- Snow Plowing
- Steel Erectors
- Utility Contractor
Popular Utah Locations Our Commercial Insurance Agents Cover
American Fork
Bountiful
Cedar City
Clearfield
Clinton
Cottonwood Heights
Draper
Eagle Mountain
Farmington
Herriman
Holladay
Kaysville
Kearns
Layton
Lehi
Logan
Magna
Midvale
Millcreek
Murray
North Ogden
North Salt Lake
Ogden
Orem
Payson
Pleasant Grove
Provo
Riverton
Roy
Salt Lake City
Sandy
Saratoga Springs
South Jordan
South Salt Lake
Spanish Fork
Springville
St. George
Syracuse
Taylorsville
Tooele
Washington
West Jordan
West Valley City
