--- title: "Utah Umbrella and Excess Liability Guide" description: "The Insurance Department states the auto liability floor as $25,000, $65,000, and $15,000, or $80,000 combined, plus $3,000 of no-fault benefits." canonical: "https://spot.insure/coverage/umbrella-excess/utah" page-type: "coverage-state-guide" updated-at: "2026-09-29" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/umbrella-excess/utah) # Utah Umbrella and Excess Liability Guide The Utah Insurance Department’s property and casualty review standards cite Utah Code section 31A-22-304 for motor-vehicle liability minimums of $25,000, $65,000, and $15,000 on a split limit, or $80,000 on a single limit. The department’s auto comparison guide states the same bodily-injury pair, $25,000 per person and $65,000 per accident, and a property-damage minimum of $15,000 per accident. It also says the law requires personal injury protection of at least $3,000 per person, and that motorcycle policies do not include that no-fault coverage. An umbrella attaches above the liability limits, not above the $3,000 no-fault benefit. A policy written only to an older $50,000 per-accident bodily-injury figure does not meet the split limit the department now cites.[^1][^2] **Coverage:** [Umbrella and excess liability](/coverage/umbrella-excess) · [Utah](/coverage/states/utah) ## What Is Umbrella And Excess Liability? Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. [Read the national Umbrella and excess liability guide](/coverage/umbrella-excess). ## Utah Requirements | Requirement | Details | | --- | --- | | Liability minimums the department cites for section 31A-22-304 | The review standards state $25,000, $65,000, and $15,000, or $80,000 combined. The comparison guide states $25,000 per person and $65,000 per accident for bodily injury, and $15,000 for property damage. Those are liability floors, not an umbrella minimum. The same guide states a separate $3,000 personal-injury-protection minimum.[^1][^2] | ## What to Watch for in Utah ### A single-limit policy has to reach $80,000, not the $65,000 bodily-injury accident figure The review standards list two ways to meet section 31A-22-304: the split limit of $25,000, $65,000, and $15,000, or a combined single limit of $80,000. A $65,000 combined limit matches only the bodily-injury accident number and leaves out the property-damage leg of the split. Read the declarations for which form was used before you set the umbrella’s underlying schedule.[^1] ### No-fault benefits are $3,000 per person, and motorcycles are outside that coverage The comparison guide says personal injury protection pays medical expenses, loss of income, and essential services for people injured in the auto regardless of fault, including pedestrians the auto injures, with a minimum of $3,000 per person. It says motorcycle policies do not have that coverage, though medical payments can be added. Do not schedule an umbrella as if the $3,000 benefit is liability insurance, and do not assume a motorcycle policy failed because the no-fault line is absent.[^2] ### The sample quotes in the comparison guide are not the legal minimum The same guide’s premium examples assume bodily injury of $50,000 per person and $100,000 per accident and property damage of $50,000. Those are the limits used to compare prices. The legal minimums are printed later: $25,000 and $65,000 bodily injury, $15,000 property damage, and $3,000 personal injury protection. Buy the umbrella over the policy that was actually issued, and do not treat the sample quote as the 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] - [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 These providers publish a national listing for Umbrella and excess 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 that the product is available in Utah; [check the regulator’s license lookup](https://insurance.utah.gov/licensee-search/) and confirm state availability for your business when requesting a quote. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’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.[^13] **Coverage membership:** Corgi lists commercial umbrella liability insurance. - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’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.[^16] **Coverage membership:** TechInsurance arranges commercial umbrella insurance for small businesses. - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’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.[^17] **Coverage membership:** Vouch lists umbrella among core coverages for technology companies. ## Questions to Ask Before You Buy in Utah 1. Is the underlying policy on the $25,000/$65,000/$15,000 split, or on an $80,000 combined single limit? 2. Is personal injury protection at least $3,000 per person, or is the vehicle a motorcycle that the guide says does not carry that coverage? 3. Does the umbrella’s schedule of underlying insurance match the issued liability limits rather than the $50,000/$100,000/$50,000 sample quote? ## Umbrella And Excess Liability in Utah: FAQ ### What auto liability minimums does the Utah Insurance Department publish? Its review standards cite section 31A-22-304 for $25,000, $65,000, and $15,000, or $80,000 combined. Its comparison guide states $25,000 per person and $65,000 per accident for bodily injury, and $15,000 for property damage.[^1][^2] ### Is Utah no-fault coverage the same as the liability minimum? No. The comparison guide describes personal injury protection of at least $3,000 per person, separate from the liability limits, and says motorcycle policies do not include that coverage.[^2] ## Umbrella And Excess Liability in Other States - [Alabama](/coverage/umbrella-excess/alabama) - [Alaska](/coverage/umbrella-excess/alaska) - [Arizona](/coverage/umbrella-excess/arizona) - [Arkansas](/coverage/umbrella-excess/arkansas) - [California](/coverage/umbrella-excess/california) - [Colorado](/coverage/umbrella-excess/colorado) - [Connecticut](/coverage/umbrella-excess/connecticut) - [Delaware](/coverage/umbrella-excess/delaware) - [District of Columbia](/coverage/umbrella-excess/district-of-columbia) - [Florida](/coverage/umbrella-excess/florida) - [Georgia](/coverage/umbrella-excess/georgia) - [Hawaii](/coverage/umbrella-excess/hawaii) - [Idaho](/coverage/umbrella-excess/idaho) - [Illinois](/coverage/umbrella-excess/illinois) - [Indiana](/coverage/umbrella-excess/indiana) - [Iowa](/coverage/umbrella-excess/iowa) - [Kansas](/coverage/umbrella-excess/kansas) - [Kentucky](/coverage/umbrella-excess/kentucky) - [Louisiana](/coverage/umbrella-excess/louisiana) - [Maine](/coverage/umbrella-excess/maine) - [Maryland](/coverage/umbrella-excess/maryland) - [Massachusetts](/coverage/umbrella-excess/massachusetts) - [Michigan](/coverage/umbrella-excess/michigan) - [Minnesota](/coverage/umbrella-excess/minnesota) - [Mississippi](/coverage/umbrella-excess/mississippi) - [Missouri](/coverage/umbrella-excess/missouri) - [Montana](/coverage/umbrella-excess/montana) - [Nebraska](/coverage/umbrella-excess/nebraska) - [Nevada](/coverage/umbrella-excess/nevada) - [New Hampshire](/coverage/umbrella-excess/new-hampshire) - [New Jersey](/coverage/umbrella-excess/new-jersey) - [New Mexico](/coverage/umbrella-excess/new-mexico) - [New York](/coverage/umbrella-excess/new-york) - [North Carolina](/coverage/umbrella-excess/north-carolina) - [North Dakota](/coverage/umbrella-excess/north-dakota) - [Ohio](/coverage/umbrella-excess/ohio) - [Oklahoma](/coverage/umbrella-excess/oklahoma) - [Oregon](/coverage/umbrella-excess/oregon) - [Pennsylvania](/coverage/umbrella-excess/pennsylvania) - [Rhode Island](/coverage/umbrella-excess/rhode-island) - [South Carolina](/coverage/umbrella-excess/south-carolina) - [South Dakota](/coverage/umbrella-excess/south-dakota) - [Texas](/coverage/umbrella-excess/texas) - [Vermont](/coverage/umbrella-excess/vermont) - [Virginia](/coverage/umbrella-excess/virginia) - [Washington](/coverage/umbrella-excess/washington) - [West Virginia](/coverage/umbrella-excess/west-virginia) - [Wisconsin](/coverage/umbrella-excess/wisconsin) - [Wyoming](/coverage/umbrella-excess/wyoming) [Other Coverage in Utah](/coverage/states/utah) ## Sources [^1]: [Property and casualty review standards checklist](https://insurance.utah.gov/wp-content/uploads/StandardsPC.pdf) — Utah Insurance Department; Section 31A-22-304 minimum limits of $25,000-$65,000-$15,000 or $80,000 single limit. Accessed 2026-09-29. [^2]: [2022 insurance comparison tables](https://insurance.utah.gov/wp-content/uploads/2022ComparisonTables.pdf) — Utah Insurance Department; Bodily-injury minimums of $25,000/$65,000, property damage of $15,000, and personal injury protection of $3,000; motorcycles do not include PIP. 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). 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