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General Liability Insurance in Utah

Utah Code §58-55-302 requires contractor applicants to file public-liability proof before license issuance, with amounts set by rule. The amendment to R156-55a-302d requires at least $1 million per incident and $2 million total, with the Division as certificate holder and coverage for the licensed work; the final filing took effect June 25, 2026. DOPL’s separate contractor summary page still lists a $3 million aggregate. 3,2,4,1

What Is General Liability?

General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. Read the national General liability guide.

Utah Requirements

RequirementDetails
Utah contractor license public-liability insurance$1,000,000 per incident / $2,000,000 total; coverage for licensed work; Division named certificate holder; maintained throughout licensure 2,4

What to Watch for in Utah

  • The Effective Rule Sets $1 Million and $2 Million

    Filing 57949 amended R156-55a-302d and took effect June 25, 2026. It sets at least $1 million per incident and $2 million total, names the Division as certificate holder, requires coverage for the work performed, and requires coverage throughout licensure. 2,4

  • DOPL’s Summary Page Still Shows the Prior Aggregate

    DOPL’s contractor page continues to list $3 million aggregate and says the change applies from April 20, 2026, but the final rule filing effective June 25 lowered the total amount to $2 million. When submitting proof, use the effective rule text and ask DOPL to reconcile its public page if its application instructions still differ. 1,4

  • The Policy Must Match the Licensed Work

    The amended rule requires insurance covering the scope of work performed and keeping it in force for the entire license duration. Ask the agent to check that the policy form and any trade-specific exclusions cover the actual Utah classification and operations, and update the Division when policy material changes. 2

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. 5,6,7

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. 8,9,10,11,12

Surplus Line Association of Utah

Providers With Documented State Licenses

These providers publish a national listing for General liability; 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 the product is available in Utah. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 15
  • ERGO NEXT InsuranceNext First Insurance Agency, Inc.Insurance producer · checked 2026-09-28ERGO 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. 17
  • HiscoxHiscox Insurance Company Inc.Insurer · checked 2026-09-28Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product. 16
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’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. 18
  • VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’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. 19

Questions to Ask Before You Buy in Utah

  1. Does our contractor policy meet the effective June 25, 2026 limits of $1 million per incident and $2 million total?
  2. Does the policy cover the exact Utah license classification and operations, and remain in force throughout licensure?
  3. If DOPL’s website or application still says $3 million aggregate, which current rule filing should our certificate satisfy?

General Liability in Utah: FAQ

What GL minimum does Utah currently require contractors to carry? 2,4,1

At least $1 million per incident and $2 million total under R156-55a-302d, as amended by filing 57949 effective June 25, 2026. DOPL’s public contractor page still shows $3 million aggregate, so use the effective rule and confirm application instructions with the Division if they differ. 2,4,1

Does Utah require a contractor policy to cover the work being performed? 2

Yes. The amended rule requires coverage for the scope of work performed, the Division as certificate holder, and insurance in force for the full license period. 2

General Liability in Other States

Other Coverage in Utah

Sources

  1. Contracting. Utah Division of Professional Licensing, Department of Commerce; Announcement “New Contractor Licensing Requirements Effective April 20, 2026”; applies to all contractors; updated insurance minimums. Accessed 2026-09-28.
  2. Utah State Bulletin, May 15, 2026, Vol. 2026 No. 10. Utah Office of Administrative Rules; Filing 57949, final text published as proposed amendment to R156-55a-302d(1)(i)(A)–(D), showing $1,000,000 each incident, $2,000,000 total, Division as certificate holder, work-scope coverage and continuous duration; final effectiveness confirmed June 25, 2026 by Utah State Bulletin July 15 notice. Accessed 2026-09-28.
  3. Utah Code §58-55-302, Qualifications for licensure. Utah Legislature; §58-55-302(2)(b), proof of public liability insurance before license issuance; effective May 7, 2025. Accessed 2026-09-28.
  4. Utah State Bulletin, July 15, 2026, Vol. 2026 No. 14, Notices of Rule Effective Dates. Utah Office of Administrative Rules; Filing 57949, Amendment R156-55a, effective June 25, 2026. Accessed 2026-09-28.
  5. utah insurance regulator. State insurance regulator; Official department pages identify consumer, licensee-search, complaint, and regulatory services. Accessed 2026-09-28.
  6. 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.
  7. Utah Insurance Department Complaints. State insurance regulator; Accepts most P&C complaints and specifies exclusions and complaint-channel limits. Accessed 2026-09-28.
  8. 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.
  9. 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.
  10. 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.
  11. 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.
  12. 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.
  13. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  14. 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.
  15. 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.
  16. 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.
  17. 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.
  18. 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.
  19. 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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