--- title: "Commercial Property Insurance in Utah" description: "For property classified as high-risk wildland-urban-interface property, Utah’s 2026 law ties wildfire rating and underwriting to the state mapping boundary and requires specific decision facts in some notices." canonical: "https://spot.insure/coverage/commercial-property/utah" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/commercial-property/utah) # Commercial Property Insurance in Utah For high-risk Utah wildland-urban-interface property, state law limits how a property-and-casualty insurer may use wildfire data and requires decision facts in specified notices. The law’s cancellation/nonrenewal and greater-than-20% premium-increase information duties apply on or after January 1, 2026; the implementing fire-data rule separately excludes surplus-lines and inland-marine insurers.[^1][^3] **Coverage:** [Commercial property](/coverage/commercial-property) · [Utah](/coverage/states/utah) ## What Is Commercial Property? Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. [Read the national Commercial property guide](/coverage/commercial-property). ## What to Watch for in Utah ### Check the State WUI Classification Utah law makes the state wildfire-risk mapping tool’s boundary the starting point for classifying high-risk WUI property; insurers may add fire-hazard data for high-risk property only under state law and rule. R590-291’s additional-data rule does not apply to inland-marine or surplus-lines insurers. Ask which property address classification and policy market type govern your quote.[^1][^2][^3] ### Request the Wildfire Basis for a Cancellation For a wildfire-based cancellation or nonrenewal of WUI property coverage, Utah law requires the insurer’s notice to state the supporting facts with reasonable precision. Keep the notice with the property address and ask the agent which mitigation or location facts the insurer relied on before arranging replacement terms.[^1] ### Ask About a Premium Increase Above 20% If a wildfire-based premium increase exceeds 20% of the prior term, the insurer must provide the decision facts with reasonable precision after the insured requests them. This does not establish a discount or guarantee renewal; use the explanation to compare the same building, protection measures and fire-risk inputs across quotes.[^1][^3] ## Who Regulates Insurance in Utah **Utah Insurance Department.** The Utah Insurance Department regulates licensed insurance companies and producers, offers a public licensee search, and accepts complaints about property/casualty insurance. Complaint jurisdiction depends on policy type and place of issue; employer self-funded plans are outside the Department’s authority.[^4][^5][^6] - [Regulator website](https://insurance.utah.gov/) - [License lookup](https://insurance.utah.gov/licensee-search/) - [File a complaint](https://insurance.utah.gov/complaints/) ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 4.25% of gross premium including policy fees, plus 0.18% stamping fee For Utah-home-state surplus-lines coverage, Utah charges 4.25% of gross premiums including policy fees, less returned premiums, and the Surplus Line Association of Utah collects a 0.18% stamping fee. Utah law requires a policy notice that the nonadmitted insurer is not protected by any Utah guaranty association; the state’s current guidance says a good-faith admitted-market effort is generally required unless the coverage is on the export list.[^7][^8][^9][^10][^11] [Surplus Line Association of Utah](https://www.slaut.org/) ## Providers With Documented State Licenses These providers publish a national listing for Commercial property; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Utah; [check the regulator’s license lookup](https://insurance.utah.gov/licensee-search/) and confirm state availability for your business when requesting a quote. - [ERGO NEXT Insurance](/insurance-providers/next-insurance) — **Entity:** Next First Insurance Agency, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry.[^16] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map.[^17] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability.[^18] ## Questions to Ask Before You Buy in Utah 1. Does Utah require an insurer to explain a wildfire-related nonrenewal? 2. What should I request if a Utah wildfire-risk premium rises more than 20%? 3. Does Utah’s wildfire data rule apply to every property or risk factor? ## Commercial Property in Utah: FAQ ### Must a Utah insurer explain a wildfire-related property nonrenewal? Yes. For a wildfire-based cancellation or nonrenewal covering wildland-urban-interface property, Utah law requires the notice to state the facts supporting the decision with reasonable precision.[^1] ### Can I ask why my Utah WUI property premium rose more than 20%? Yes. After the insured requests it, the insurer must provide the facts supporting a wildfire-based increase above 20% of the previous term’s premium with reasonable precision.[^1] ### What Utah map matters to wildfire insurance decisions? For a covered admitted property-and-casualty policy, Utah law identifies the state wildfire-risk assessment mapping tool as the boundary reference for high-risk WUI property. The separate R590-291 data-use rule excludes inland-marine and surplus-lines insurers; confirm which rules apply to your policy.[^1][^2][^3] ## Commercial Property in Other States - [Alabama](/coverage/commercial-property/alabama) - [Alaska](/coverage/commercial-property/alaska) - [Arizona](/coverage/commercial-property/arizona) - [Arkansas](/coverage/commercial-property/arkansas) - [California](/coverage/commercial-property/california) - [Colorado](/coverage/commercial-property/colorado) - [Connecticut](/coverage/commercial-property/connecticut) - [Delaware](/coverage/commercial-property/delaware) - [District of Columbia](/coverage/commercial-property/district-of-columbia) - [Florida](/coverage/commercial-property/florida) - [Georgia](/coverage/commercial-property/georgia) - [Hawaii](/coverage/commercial-property/hawaii) - [Idaho](/coverage/commercial-property/idaho) - [Illinois](/coverage/commercial-property/illinois) - [Indiana](/coverage/commercial-property/indiana) - [Iowa](/coverage/commercial-property/iowa) - [Kansas](/coverage/commercial-property/kansas) - [Kentucky](/coverage/commercial-property/kentucky) - [Louisiana](/coverage/commercial-property/louisiana) - [Maine](/coverage/commercial-property/maine) - [Maryland](/coverage/commercial-property/maryland) - [Massachusetts](/coverage/commercial-property/massachusetts) - [Michigan](/coverage/commercial-property/michigan) - [Minnesota](/coverage/commercial-property/minnesota) - [Mississippi](/coverage/commercial-property/mississippi) - [Missouri](/coverage/commercial-property/missouri) - [Montana](/coverage/commercial-property/montana) - [Nebraska](/coverage/commercial-property/nebraska) - [Nevada](/coverage/commercial-property/nevada) - [New Hampshire](/coverage/commercial-property/new-hampshire) - [New Jersey](/coverage/commercial-property/new-jersey) - [New Mexico](/coverage/commercial-property/new-mexico) - [New York](/coverage/commercial-property/new-york) - [North Carolina](/coverage/commercial-property/north-carolina) - [North Dakota](/coverage/commercial-property/north-dakota) - [Ohio](/coverage/commercial-property/ohio) - [Oklahoma](/coverage/commercial-property/oklahoma) - [Oregon](/coverage/commercial-property/oregon) - [Pennsylvania](/coverage/commercial-property/pennsylvania) - [Rhode Island](/coverage/commercial-property/rhode-island) - [South Carolina](/coverage/commercial-property/south-carolina) - [South Dakota](/coverage/commercial-property/south-dakota) - [Tennessee](/coverage/commercial-property/tennessee) - [Texas](/coverage/commercial-property/texas) - [Vermont](/coverage/commercial-property/vermont) - [Virginia](/coverage/commercial-property/virginia) - [Washington](/coverage/commercial-property/washington) - [West Virginia](/coverage/commercial-property/west-virginia) - [Wisconsin](/coverage/commercial-property/wisconsin) - [Wyoming](/coverage/commercial-property/wyoming) [Other Coverage in Utah](/coverage/states/utah) ## Sources [^1]: [Utah Code §31A-22-1310, Insuring wildland urban interface property](https://le.utah.gov/xcode/Title31A/Chapter22/C31A-22_1800010118000101.pdf) — Utah Legislature; §31A-22-1310(1)–(4): insurer scope; state wildfire-map boundary and additional fire-hazard data; notice/reasons after specified wildfire decisions; effective Jan. 1, 2026. Accessed 2026-09-28. [^2]: [Utah Code §65A-8-203, Wildfire Risk Assessment Mapping Tool](https://le.utah.gov/xcode/Title65A/Chapter8/C65A-8-S203_2026050620260506.pdf) — Utah Legislature; Subsection (8): Division of Forestry, Fire, and State Lands mapping tool; county consultation and review process; 2026 text. Accessed 2026-09-28. [^3]: [Utah Administrative Rule R590-291, Use of Fire Hazard Data in Rating and Underwriting](https://insurance.utah.gov/wp-content/uploads/291New10-22-2025.pdf) — Utah Insurance Department; R590-291-2(2)(b) excludes inland-marine and surplus-lines insurers from the rule; R590-291-4 additional-data compliance; enforcement begins Feb. 15, 2026. Accessed 2026-09-28. [^4]: [utah insurance regulator](https://insurance.utah.gov/) — State insurance regulator; Official department pages identify consumer, licensee-search, complaint, and regulatory services.. Accessed 2026-09-28. [^5]: [Utah Insurance Department Licensee Search](https://insurance.utah.gov/licensee-search/) — State insurance regulator; Official search provides public contact information and verifies agent or agency licensing status.. Accessed 2026-09-28. [^6]: [Utah Insurance Department Complaints](https://insurance.utah.gov/complaints/) — State insurance regulator; Accepts most P&C complaints and specifies exclusions and complaint-channel limits.. Accessed 2026-09-28. [^7]: [Utah Code §31A-3-301](https://le.utah.gov/xcode/Title31A/Chapter3/C31A-3-S301_2025101420251206.pdf) — Utah Legislature; Effective October 14, 2025; 4.25% of gross premium including fees; cancellation/return premium deductions and statutory exclusions.. Accessed 2026-09-28. [^8]: [Utah Code §31A-3-303](https://le.utah.gov/xcode/Title31A/Chapter3/C31A-3_1800010118000101.pdf) — Utah Legislature; §31A-3-301(4): premiums for surplus-lines insurance are taxable in full when Utah is the home state; subject to §31A-3-305 interstate allocation agreements for multistate risks.. Accessed 2026-09-28. [^9]: [Excess & Surplus Lines Insurance](https://insurance.utah.gov/licensees/insurers/excess-surplus-lines/) — Utah Insurance Department; Current FAQ: tax 4.25% of gross premiums including fees; stamping fee 0.18%; SLA Utah is stamping office; submission within 60 days.. Accessed 2026-09-28. [^10]: [Utah Code §31A-15-103(8)(c)](https://le.utah.gov/xcode/title31a/C31A_1800010118000101.pdf) — Utah Legislature; Surplus-lines policy must contain statutory notice that the insurer is not licensed and receives no protection from any guaranty associations under Title 31A, Chapter 28.. Accessed 2026-09-28. [^11]: [Excess & Surplus Lines Insurance](https://insurance.utah.gov/licensees/insurers/excess-surplus-lines/) — Utah Insurance Department; Current surplus-lines guidance: good-faith effort to place with admitted insurer is general rule; export-list coverage does not require diligent search, while off-list coverages require normal search procedures.. Accessed 2026-09-28. [^12]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^13]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^14]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^15]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^16]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^17]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^18]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/commercial-property/utah.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)