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Equipment Breakdown Insurance in Utah

Utah requires a nonexempt boiler to be inspected internally and externally, while not under pressure, at least annually by the Division or a deputized inspector, and not more than 14 months may pass between internal inspections except for a defined large power boiler. Low-pressure boilers are inspected internally and externally at least every two years where construction permits. An insurance-company deputy inspector can meet the boiler inspection if the report is filed within 30 days and the inspector certifies the boiler. 1,2,3

What Is Equipment Breakdown?

Equipment-breakdown coverage can help repair covered machinery or building equipment after a mechanical or electrical failure. It fits businesses that depend on equipment to operate; check whether lost income, spoilage and utility failures are included. Read the national Equipment breakdown guide.

Utah Requirements

RequirementDetails
Boiler internal inspectionAt least annually while not under pressure. No more than 14 months between internals, or 30 months for a large power boiler. 1
Low-pressure boilersInternal and external inspection at least every two years where construction permits. Steam at or below 15 psi; water at or below 160 psi. 1
Pressure-vessel frequencyEvery 24 months for listed high-pressure heat exchangers and autoclaves above 15 psi steam. Every 48 months for other vessels under Division jurisdiction. 1

What to Watch for in Utah

  • The Act Reaches Job Sites, Not Vehicle Air Tanks

    The part applies to boilers and pressure vessels in industrial, manufacturing, and business establishments, sawmills, construction jobs, and any place where workers or the public may be exposed. It does not apply to objects under federal inspection, air tanks on vehicles used to transport passengers or freight, or objects excluded from the ASME code. The opened statute does not use a 200,000 Btu or 120-gallon heater exemption. 1

  • The Insurer's Report Is Due in Thirty Days

    A boiler inspected by a deputized inspector employed by an insurance company meets the part if the inspection is on time, a report is filed with the Division within 30 days, and that inspector certifies the boiler. The deputy inspector's right of entry depends on the agreement between the insurance company and the owner. The Division still issues the Certificate of Inspection and Permit to Operate. 1,2

  • Autoclaves and Heat Exchangers Are Not on the 48-Month Cycle

    Heat exchangers that operate from high-pressure steam or high-temperature water plants, and autoclaves that operate above 15 psi steam, are inspected every 24 months. Other pressure vessels under the Division's jurisdiction are inspected every 48 months. Put the shorter cycle on the maintenance calendar before you set a breakdown deductible around a four-year outage. 1

  • Temporary Construction Boilers Are in the Part

    Construction jobs are listed among the places the part applies. A boiler brought to a Utah job site is not outside the inspection duty merely because it will leave when the job ends. Ask whether the Division or a deputized insurer inspector will see it, and whether the breakdown form follows equipment that moves between sites. 1

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

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

Providers With Documented State Licenses

No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in Utah

  1. Is the boiler on the 14-month internal maximum, the 30-month large-power exception, or the two-year low-pressure cycle?
  2. For each vessel, is it a 24-month heat exchanger or autoclave, or a 48-month vessel?
  3. If an insurance deputy inspects, will the report reach the Division within 30 days?
  4. Does the breakdown schedule follow boilers that move onto construction jobs?

Equipment Breakdown in Utah: FAQ

How fast must an insurance inspector file a Utah boiler report? 1

Within 30 days. The inspection must also fall inside the statutory time limits, and the insurer's inspector must certify the boiler. The Division issues the Certificate of Inspection and Permit to Operate. 1

Are low-pressure boilers inspected every year in Utah? 1

No. Low-pressure boilers, defined as steam at or below 15 psi and water at or below 160 psi, are inspected internally and externally at least every two years where construction permits. Other boilers use the annual internal rule and the 14-month maximum. 1

Equipment Breakdown in Other States

Other Coverage in Utah

Sources

  1. Division Statutes and Rules, Boiler, Elevator and Coal Mine Safety. Utah Labor Commission; Utah Code §§ 34A-7-101 and 34A-7-103; Utah Admin. Code R616-2-8; header effective May 22, 2024. Accessed 2026-09-29.
  2. Boiler and Elevator. Utah Labor Commission; Certificate of Inspection and Permit to Operate; deputy insurance inspector access. Accessed 2026-09-29.
  3. Boiler, Elevator and Coal Mine Safety laws and rules. Utah Labor Commission; Points to Utah Code § 34A-7-101 and R616-2. Accessed 2026-09-29.
  4. utah insurance regulator. State insurance regulator; Official department pages identify consumer, licensee-search, complaint, and regulatory services. Accessed 2026-09-28.
  5. Utah Insurance Department 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. 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. 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. 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. 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). 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. 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. 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. 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. 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. 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. 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. 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. 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 .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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