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Last-mile delivery insurance in Utah

Utah Code § 13-51-108, effective May 10, 2016, requires liability coverage of $50,000 to any one individual, $100,000 to all individuals, and $30,000 property damage during the waiting period, when the driver is logged into the application and not on a prearranged ride. On a prearranged ride the minimum is $1 million per occurrence. The definitions opened with the May 6, 2026 compilation describe passenger rides. They do not set a goods-delivery limit. 1,2

What Is Last-Mile Delivery?

Last-mile delivery insurance is not one standard policy: vehicle liability, vehicle damage and cargo protection can be separate. If your staff deliver orders in company, rented or personal vehicles, check each vehicle, cargo and worker-injury exposure in the quote. Read the national Last-mile delivery guide.

Utah Requirements

RequirementDetails
Waiting period$50,000 / $100,000 / $30,000 1
Prearranged ride$1 million per occurrence 1

What to Watch for in Utah

  • Waiting-Period Property Damage Is $30,000

    Section 13-51-108 does not use a $25,000 property figure in the waiting period. It is $30,000, with $50,000 and $100,000 bodily injury, per occurrence. A quote that copies a $25,000 property limit is short while the driver is logged in and not yet on a ride. 1

  • The Section Has Been Effective Since May 10, 2016

    The insurance requirement dates to May 10, 2016. The definitions page that opened is the May 6, 2026 compilation, so the passenger definitions are the current ones to read with the dollar section. Match the waiting period and the prearranged ride to those definitions, not to a motor-carrier handbook. 1,2

  • The Compilation Describes Passenger Rides

    The opened definitions are passenger rides. A food or parcel delivery is not the prearranged ride in § 13-51-108. The $1 million per-occurrence limit is not a delivery-network minimum, and Utah's opened pages do not add a separate delivery statute. 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

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

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 waiting-period property damage $30,000, as § 13-51-108 states?
  2. Does the $1 million limit apply per occurrence on a prearranged passenger ride?
  3. Are you quoting a motor-carrier limit for a trip this passenger statute does not define?

Last-Mile Delivery in Utah: FAQ

What property-damage limit does Utah require during a transportation-network waiting period? 1

$30,000. Section 13-51-108 sets that amount with $50,000 and $100,000 bodily injury while the driver is logged in and not on a prearranged ride. 1

Does Utah's transportation-network statute set a goods-delivery minimum? 2

No. The definitions that opened describe passenger rides, and § 13-51-108 does not add a delivery-network limit. 2

Last-Mile Delivery in Other States

Other Coverage in Utah

Sources

  1. Utah Code § 13-51-108 Insurance. Utah Legislature, Office of Legislative Research and General Counsel; effective 5/10/2016. Accessed 2026-09-29.
  2. Utah Code § 13-51-102 Definitions. Utah Legislature; effective 5/6/2026; prearranged ride and waiting period. Accessed 2026-09-29.
  3. utah insurance regulator. State insurance regulator; Official department pages identify consumer, licensee-search, complaint, and regulatory services. Accessed 2026-09-28.
  4. 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.
  5. Utah Insurance Department 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. 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. 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. 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). 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. 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. 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. 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. 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. 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. 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. 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. 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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