Business Insurance in Utah

Insurance Regulator

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. ^1,2,3

• Regulator website
• License lookup
• File a complaint

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. ^4,5,6,7,8

Surplus Line Association of Utah

Coverage Guides

• General Liability Insurance in Utah

  Utah DOPL’s contractor page lists 2026 GL minimums of $1 million per occurrence and $3 million aggregate, but a later rule proposal shows a lower aggregate.

• Directors and Officers (D&O) Insurance in Utah

  See how Utah's corporate indemnification and insurance statutes affect the D&O policy questions you should ask.

• Cyber Liability Insurance in Utah

  Utah ties notice to an investigation finding actual or likely misuse, with AG and Cyber Center notice at 500 residents and credit agencies at 1,000.

• Media Liability Coverage in Utah

  Utah gives one year for libel or slander. The state repealed its former Citizen Participation in Government Act in 2023, so media buyers should not assume the earlier special anti-SLAPP motion and fee provisions remain available.

• Employment Practices Liability in Utah

  Utah’s Labor Commission requires a formal, notarized charge after intake; the state filing window is 180 days and the Division may forward later charges to EEOC before day 300.

• Fiduciary Liability Insurance in Utah

  Review Utah retirement-program and payroll duties alongside the employer’s plan-sponsor responsibilities.

• Utah Hired and Non-Owned Auto Coverage

  Utah generally requires PIP, UM, and UIM in policies used to meet auto-security rules, with exceptions and waivers.

• Professional Liability (E&O) Insurance in Utah

  Learn which Utah private home inspectors need E&O, the $500,000 requirement, and when the new license category took effect.

• Workers’ Compensation Insurance in Utah

  Learn when Utah businesses must secure workers’ compensation, which exceptions apply, and what coverage route to discuss with a broker.

• Utah Business Owner’s Policy Guide

  A Utah BOP review should account for separate earthquake and flood decisions and workers’ compensation obligations.

• Utah medical malpractice insurance guide

  Utah’s discovery and repose periods, noneconomic limit and individual-provider policy threshold create concrete choices about dates, limits and insured entities.

• Representations and Warranties Insurance in Utah

  Check Utah contract claim deadlines against negotiated representation survival, policy notice dates, and any home-state surplus-lines tax.

• Kidnap and Ransom Insurance in Utah

  See how Utah's surplus-lines tax and insurer insolvency rules can affect a K&R quote.

• Utah Crime Insurance Guide

  How Utah funds-transfer and computer-crime laws shape questions to ask about commercial crime coverage.

• Commercial Auto Insurance in Utah

  Utah’s liability policy minimum increased for policies issued or renewed from January 1, 2025, and the 2025 law also made registration a trigger for maintaining security.

• Cargo insurance for Utah shipments

  Utah intrastate carrier-liability law generally bars freight liability caps, with a narrow declared-value exception and statutory claim deadlines.

• Liquor Liability in Utah

  Utah retail alcohol license applicants need dramshop coverage, with higher limits for arena licenses and alcohol-service training for retail staff.

• Key Person Insurance in Utah

  Learn how Utah insurable-interest rules, employee consent, and life guaranty limits affect a business-owned key person policy.

• Commercial Property Insurance in Utah

  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.

• Utah garage liability for motor vehicle dealers

  Check Utah’s dealer-plate insurance proof and restrictions on loaded commercial vehicles.

• Utah Public Construction Bonds

  Check Utah public-work bond triggers, required amounts, acceptable security, and claim protections before you bid.

• Builders Risk Insurance in Utah

  Utah site location and lot layout matter: the construction permit can include multiple residential lots and separate dewatering coverage, while alluvial fans can carry post-fire debris-flow exposure.

• Equipment Breakdown Insurance in Utah

  Utah inspects most boilers internally at least yearly, low-pressure boilers at least every two years, and other vessels on 24- or 48-month cycles.

• Utah Management Liability Insurance

  Compare Utah employment-law exposure and company indemnification duties with D&O and EPL policy terms.

• Utah Fidelity Bonds for Title Insurance Producers

  Learn which Utah businesses must maintain fidelity bonds, how much coverage applies, and which employees or losses the bond must include.

• Intellectual Property Insurance in Utah

  Learn how Utah law treats trade secrets and related intellectual-property claims, and what to ask before choosing coverage.

• Contract Frustration Insurance in Utah

  How Utah export services and insurance-placement rules shape a contract-frustration policy.

• Venture Capital Asset Protection Insurance in Utah

  Check how Utah adviser rules and fund entity structure affect a venture capital manager’s insurance review.

• Digital asset business insurance in Utah

  Review Utah's digital-asset licensing and custody rules before comparing cover for exchanges, custodians, wallets, or kiosks.

• Telehealth Insurance in Utah

  Utah requires a telemedicine provider to assess and diagnose the patient, check underlying conditions and contraindications, and remain available for follow-up. Check how the rule affects remote care and reimbursement in Utah.

• Employee Health Benefits in Utah

  Utah permits an eligible terminated insured to extend group coverage for up to 12 months, with an election within 60 days, and provides a separate 60-day special enrollment route after Medicaid or CHIP changes.

• Trucking Insurance in Utah

  See Utah’s $750,000 minimum for private intrastate carriers, hazardous-freight filing, and how the state adopts federal motor-carrier rules.

Sources

1. utah insurance regulator. State insurance regulator; Official department pages identify consumer, licensee-search, complaint, and regulatory services. Accessed 2026-09-28.
2. 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.
3. Utah Insurance Department Complaints. State insurance regulator; Accepts most P&C complaints and specifies exclusions and complaint-channel limits. Accessed 2026-09-28.
4. 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.
5. 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.
6. 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.
7. 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.
8. 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.
9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
10. 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.
11. 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.
12. 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.
13. 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.
14. 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.
15. 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.