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Trucking Insurance in Utah

Utah requires private intrastate motor carriers to carry at least $750,000 in liability, and its motor-carrier rule sets $1 million plus an MCS-90 endorsement for carriers transporting specified oil, hazardous waste, materials, or substances. Utah adopts federal motor-carrier safety rules, so disclose cargo and whether you operate for hire or privately before the insurer files proof. 1,3,2

What Is Trucking?

Trucking coverage can address liability, damage to your trucks and cargo losses, but one quote may not include all three. If you haul goods for customers or yourself, compare those protections and check whether the quote needs motor-carrier or other commercial auto coverage. Read the national Trucking guide.

Utah Requirements

RequirementDetails
Private intrastate motor carrier$750,000 minimum liability 1,2
Specified oil and hazardous freight$1,000,000 minimum financial responsibility and MCS-90 endorsement 1,2

What to Watch for in Utah

  • Do Not Confuse Utah’s Private-Carrier Minimum With For-Hire Limits

    Utah’s R909-1 insurance rule sets $750,000 for intrastate private carriers, meaning carriers that transport their own property rather than haul for compensation. For-hire carriers may fall under different federal limits adopted by Utah; tell the broker which kind of operation the company conducts. 1,2,4

  • Add The MCS-90 For The Listed Hazardous Freight

    Utah requires $1 million in financial responsibility and an MCS-90 endorsement for interstate and intrastate carriers transporting the listed oil and hazardous materials. Identify the material by federal classification and check that the endorsement remains at the carrier’s principal place of business. 1

  • Check Utah’s Federal-Rule Adoption And Exceptions

    Utah’s code directs UDOT to adopt federal motor-carrier safety rules, including minimum security requirements, and allows specific statutory exceptions for certain licensed childcare passenger vehicles. Verify whether your vehicle and freight meet an exception before relying on a lower policy limit. 3,4

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

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. Are we a private carrier or a for-hire carrier under Utah’s definition, and what limit follows from that classification?
  2. Do our commodities trigger the $1 million Utah requirement and MCS-90 endorsement?
  3. Has the insurer filed the correct federal and state proof for our Utah routes?
  4. Does a statutory exception apply to our operation, and what documentation supports it?

Trucking in Utah: FAQ

What liability limit does Utah require for an intrastate private motor carrier? 1,2

At least $750,000. Utah sets a separate $1 million minimum and MCS-90 requirement for specified oil and hazardous-material operations. 1,2

Does Utah require an MCS-90 for hazardous freight? 1

Yes. Utah requires an MCS-90 and at least $1 million in financial responsibility for carriers transporting the specified oil or hazardous materials. 1

Trucking in Other States

Other Coverage in Utah

Sources

  1. Utah Administrative Code R909-1: Motor Carrier Rules. Utah Office of Administrative Rules; R909-1-3(2)–(3): private-carrier $750,000 minimum and hazardous-carrier $1 million/MCS-90 requirement. Accessed 2026-09-29.
  2. Motor Carrier Insurance Requirements & MCS-90. Utah Department of Transportation; “Insurance for Private Intrastate/Interstate Motor Carriers”; link to R909-1 rule. Accessed 2026-09-29.
  3. Utah Code, Title 72, Chapter 9: Motor Carrier Act. Utah Legislature; § 72-9-103: UDOT adoption of federal motor-carrier rules and minimum-security requirements; § 72-9-104. Accessed 2026-09-29.
  4. Insurance Filing Requirements. Federal Motor Carrier Safety Administration; Motor Carrier of Property limits by vehicle and commodity category. Accessed 2026-09-29.
  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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