---
title: "Generative AI Liability Insurance in Utah"
description: "Utah imposes consumer and regulated-service disclosure duties and has adopted content-provenance requirements that take effect in 2027."
canonical: "https://spot.insure/coverage/generative-ai-liability/utah"
page-type: "coverage-state-guide"
updated-at: "2026-09-29"
---

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# Generative AI Liability Insurance in Utah

Utah requires a generative-AI supplier in a consumer transaction to disclose AI use when the individual clearly asks, while providers in regulated occupations must prominently disclose high-risk AI interactions at the start of verbal or written service. A separate 2026 provenance law will require covered providers to add latent disclosures to qualifying AI-generated or substantially modified audio, video, and images starting January 1, 2027.[^1][^2]

**Coverage:** [Generative AI liability](/coverage/generative-ai-liability) · [Utah](/coverage/states/utah)

## What Is Generative AI Liability?

Generative AI liability can help pay covered defense costs and losses when someone claims your AI use caused harm, including infringement or data disclosure. If you use or sell AI outputs, check how the policy fits your role and existing liability coverage. [Read the national Generative AI liability guide](/coverage/generative-ai-liability).

## What to Watch for in Utah

### Utah’s consumer disclosure is triggered by a clear question

A supplier in a consumer transaction must say that an interaction is with generative AI rather than a human when the individual makes a clear, unambiguous request asking whether AI is being used. The law does not require the same disclosure in every ordinary consumer interaction; preserve prompt handling and response behavior for support channels.[^1]

### High-risk regulated services require disclosure at the start

An individual providing services in a regulated occupation must prominently disclose a high-risk AI interaction and comply with the occupation’s rules. Verbal disclosure is due at the start of a verbal interaction; written disclosure must come before the written interaction begins. Map professional services separately from general customer support.[^1]

### Utah’s provenance duties begin in 2027

Beginning January 1, 2027, a covered provider must include a latent disclosure in qualifying AI-created or substantially modified audio, video, or image content, to the extent technically feasible and reasonable. The disclosure must convey creation or alteration time and date and either manufacturer name or suitable digital signatures, and align with widely accepted standards. Plan controls and policy wording around that effective date.[^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.[^3][^4][^5]

- [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.[^6][^7][^8][^9][^10]
[Surplus Line Association of Utah](https://www.slaut.org/)

## 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](https://insurance.utah.gov/licensee-search/) and confirm availability with a provider when requesting a quote.

## Questions to Ask Before You Buy in Utah

1. Does a customer ask whether the service is using generative AI, and how does the product answer?
2. Does the workflow provide a regulated occupation’s high-risk service, and are disclosures made before or at the interaction’s start?
3. Will covered audio, image, or video outputs be delivered in Utah after the January 1, 2027 provenance requirements begin?

## Generative AI Liability in Utah: FAQ

### Must a Utah consumer supplier disclose AI use without being asked?

The cited consumer-transaction rule requires disclosure when an individual makes a clear and unambiguous request asking whether AI is being used.[^1]

### When do Utah’s latent provenance disclosures take effect?

The cited provisions take effect January 1, 2027, and apply to covered provider content that meets the statute’s criteria.[^2]

## Generative AI Liability in Other States

- [Alabama](/coverage/generative-ai-liability/alabama)
- [Alaska](/coverage/generative-ai-liability/alaska)
- [Arizona](/coverage/generative-ai-liability/arizona)
- [Arkansas](/coverage/generative-ai-liability/arkansas)
- [California](/coverage/generative-ai-liability/california)
- [Colorado](/coverage/generative-ai-liability/colorado)
- [Connecticut](/coverage/generative-ai-liability/connecticut)
- [Delaware](/coverage/generative-ai-liability/delaware)
- [District of Columbia](/coverage/generative-ai-liability/district-of-columbia)
- [Florida](/coverage/generative-ai-liability/florida)
- [Georgia](/coverage/generative-ai-liability/georgia)
- [Hawaii](/coverage/generative-ai-liability/hawaii)
- [Idaho](/coverage/generative-ai-liability/idaho)
- [Illinois](/coverage/generative-ai-liability/illinois)
- [Indiana](/coverage/generative-ai-liability/indiana)
- [Iowa](/coverage/generative-ai-liability/iowa)
- [Kansas](/coverage/generative-ai-liability/kansas)
- [Kentucky](/coverage/generative-ai-liability/kentucky)
- [Louisiana](/coverage/generative-ai-liability/louisiana)
- [Maine](/coverage/generative-ai-liability/maine)
- [Maryland](/coverage/generative-ai-liability/maryland)
- [Massachusetts](/coverage/generative-ai-liability/massachusetts)
- [Michigan](/coverage/generative-ai-liability/michigan)
- [Minnesota](/coverage/generative-ai-liability/minnesota)
- [Mississippi](/coverage/generative-ai-liability/mississippi)
- [Missouri](/coverage/generative-ai-liability/missouri)
- [Montana](/coverage/generative-ai-liability/montana)
- [Nebraska](/coverage/generative-ai-liability/nebraska)
- [Nevada](/coverage/generative-ai-liability/nevada)
- [New Hampshire](/coverage/generative-ai-liability/new-hampshire)
- [New Jersey](/coverage/generative-ai-liability/new-jersey)
- [New Mexico](/coverage/generative-ai-liability/new-mexico)
- [New York](/coverage/generative-ai-liability/new-york)
- [North Carolina](/coverage/generative-ai-liability/north-carolina)
- [North Dakota](/coverage/generative-ai-liability/north-dakota)
- [Ohio](/coverage/generative-ai-liability/ohio)
- [Oklahoma](/coverage/generative-ai-liability/oklahoma)
- [Oregon](/coverage/generative-ai-liability/oregon)
- [Pennsylvania](/coverage/generative-ai-liability/pennsylvania)
- [Rhode Island](/coverage/generative-ai-liability/rhode-island)
- [South Carolina](/coverage/generative-ai-liability/south-carolina)
- [South Dakota](/coverage/generative-ai-liability/south-dakota)
- [Tennessee](/coverage/generative-ai-liability/tennessee)
- [Texas](/coverage/generative-ai-liability/texas)
- [Vermont](/coverage/generative-ai-liability/vermont)
- [Virginia](/coverage/generative-ai-liability/virginia)
- [Washington](/coverage/generative-ai-liability/washington)
- [West Virginia](/coverage/generative-ai-liability/west-virginia)
- [Wisconsin](/coverage/generative-ai-liability/wisconsin)
- [Wyoming](/coverage/generative-ai-liability/wyoming)

[Other Coverage in Utah](/coverage/states/utah)

## Sources

[^1]: [Utah Code § 13-77-103: Required disclosures](https://le.utah.gov/xcode/Title13/Chapter77/C13-77-S103_2025050720250507.pdf) — Utah Legislature; Consumer-request disclosure and high-risk regulated-occupation disclosures; effective May 7, 2025. Accessed 2026-09-29.
[^2]: [Utah Code ch. 13-72c: Content Provenance Standards and Requirements](https://le.utah.gov/xcode/Title13/Chapter72C/C13-72c_2026050620270101.pdf) — Utah Legislature; §§ 13-72c-202, -203, and -301: device and user disclosures, enforcement, and effective date of January 1, 2027. Accessed 2026-09-29.
[^3]: [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.
[^4]: [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.
[^5]: [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.
[^6]: [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.
[^7]: [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.
[^8]: [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.
[^9]: [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.
[^10]: [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.
[^11]: [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.
[^12]: [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.
[^13]: [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.
[^14]: [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.
[^15]: [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.
[^16]: [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.
[^17]: [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 2026-09-29.

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.

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