Utah Insurance All Your Needs in One Place

Homeowners insurance in Utah is designed to provide coverage against losses related to a number of hazards that can affect property owners in the Beehive State. In the case of a covered event, your policy can pay for:

• Repairs to the structure of your home and other structures on your property
• Repair or replacement costs for your personal property
• Extra living expenses if your home is rendered unsafe for occupation
• Expenses related to personal liability lawsuits filed against you
• Medical payments for third-party injuries that occur on your property

For help finding a good home insurance policy at a competitive price, you can consult an independent insurance agent in Utah.

If you own a vehicle in Utah, you are required to have car insurance. In this state, all auto insurance policies must include, at a minimum:

• $25,000 in bodily injury liability coverage per person
• $65,000 in bodily injury liability coverage per accident
• $15,000 in property damage liability coverage per accident
• $3,000 in personal injury protection (PIP) coverage per person

If you are leasing your car or still owe on a car loan, you may also be required to carry collision and comprehensive coverage to pay for damage to your own vehicle, regardless of fault. Additionally, you can choose from a number of other coverage options such as uninsured motorist insurance, rental car reimbursement, and towing & roadside assistance. 

Talk to a local independent insurance agent for help finding the best and most affordable policy.

Business insurance in Utah can protect businesses from experiencing large financial losses in the wake of an accident, disaster, or liability lawsuit. You can customize your insurance to meet your company's specific coverage needs. Most business insurance policies in Utah are designed to:

• Pay for loss or damage to your business property
• Provide a continuation of income if your business must close for a while due to damage caused by a covered event
• Cover against a variety of potential liability lawsuits

You can purchase additional coverage to pay for things like goods and property in transit or at job worksites, equipment breakdown, worker injuries, and accidents involving commercial vehicles. Learn more about your many coverage options and get help building a suitable commercial insurance policy package by talking with an independent insurance agent near your Utah business.

Employees sometimes get injured on the job. Workers' compensation insurance in Utah is designed to cover medical treatments needed for work-related injuries and occupational injuries. In addition to paying all medical expenses, it can pay for prescriptions, therapy, slings, crutches, follow-up care, and vocational rehabilitation. It can also provide employees with disability payments and, in the worst cases, death benefits for surviving family members.

With very few exceptions, all employers in Utah are required to carry workers' compensation insurance. For help finding a competitively priced policy, you can talk to a local independent insurance agent.

When buying restaurant insurance in Utah, business owners may want to purchase several types of coverage including things like:

• Commercial property insurance: This can cover damage to the building in which your restaurant is housed (if business-owned) as well as loss or damage to your business property like tables, kitchenware, fixtures, and decor.
• Commercial liability insurance: This can cover expenses related to liability lawsuits such as if a customer is hospitalized with food poisoning after eating at your establishment.
• Business interruption insurance: This can provide a continuation of income if you must close to make repairs following a covered event like a windstorm or a fire.
• Workers' compensation insurance: This mandatory coverage can cover medical expenses and disability pay if an employee is injured on the job.
• Commercial vehicle insurance or non-owned vehicle insurance: This can provide auto insurance coverage if your restaurant offers delivery services.
• Spoilage insurance: This can cover the cost of replacing food if it is spoiled due to a failure of your refrigeration or freezer systems.

Learn more about these and other coverage options when you work with a local independent insurance agent. Your agent can help you find the best policies at the most affordable prices. 

If your Utah business has company-owned vehicles, they will need to be covered by commercial vehicle insurance. This coverage is designed primarily to cover your company's obligation to pay for other people's medical expenses and property damage if you or one of your drivers is responsible for a collision while operating a company vehicle.

While smaller vehicles like cars and cargo vans need only meet the coverage requirements necessary for personal auto coverage, other vehicles like vans and buses used to transport people, dump trucks, 18-wheelers, and vehicles transporting hazardous substances, will need to meet higher liability coverage requirements.

Learn more about commercial vehicle insurance in Utah by talking to a local independent insurance agent. Your agent can help you find a competitively priced policy that provides the coverage your business needs.

If you are purchasing hotel insurance in Utah, you may want to consider several types of coverage, including things like:

• Commercial property insurance: This can cover damage to the structure of your hotel as well as loss or damage to your business property like furniture computers, and decor.
• Commercial liability insurance: This can cover expenses related to liability lawsuits such as if a guest is seriously injured on your hotel premises.
• Business interruption insurance: This can provide a continuation of income if you must close your hotel to make necessary repairs following a covered event like a fire or severe storm.
• Workers' compensation insurance: This mandatory coverage can cover medical expenses and disability pay if your employees are injured on the job.
• Commercial vehicle insurance: This is required if your hotel has a company-owned vehicle such as a shuttle used to transport guests to and from the airport.
• Spoilage insurance: If your hotel includes a restaurant, this can cover the cost of replacing food if it is spoiled due to a failure of your refrigeration or freezer systems.
• Liquor liability insurance: If your hotel includes a bar, this can protect you from liabilities if your workers serve an underage or visibly intoxicated guest who goes on to cause injuries or property damage to others.  

Learn more about these and other coverage options when you work with an independent insurance agent in Utah. Your agent can help you find the coverage your hotel needs at the most affordable prices.

Umbrella insurance is a secondary policy that provides high levels of liability insurance coverage at a very affordable price. It can be used to boost the liability coverage you already have in policies such as homeowners, renters, auto, or business insurance.

Insurance companies in Utah typically sell umbrella insurance policies in $1 million increments. The prices can vary depending on the type of coverage purchased and the insured's risk factors. On average, a typical $1 million liability policy costs between $200 and $300 per year. Learn more about umbrella insurance in Utah and find out how much a policy will cost you by talking to a local independent insurance agent.

Renters insurance in Utah can help tenants protect their finances by offering the following types of coverage:

• Personal property coverage (contents coverage): This can cover the cost of repairing or replacing personal property if it is lost or damaged due to a covered event like a fire or property crime.
• Loss of use coverage: This can pay for extra living expenses if you are displaced from your rental home due to damage caused by a covered event.
• Personal liability insurance: This can cover court costs, legal fees, settlements, and damages if you or someone in your household is unintentionally responsible for someone else's injuries, property damage, or financial losses.    

Renters insurance is surprisingly affordable in Utah. If you are looking for a good renters insurance policy, a local independent insurance agent can help. 

If you want to make sure that your dependents and loved ones will be financially secure in the event of your passing, you can purchase life insurance in Utah. A large policy can ensure that your spouse and children can afford to stay in your family home and maintain their standard of living for years to come. A smaller policy can be just large enough to cover your final expenses and estate settlement.

You have several options when it comes to life insurance. A local independent agent can explain the pros and cons of term and whole-life policies and can help you compare prices for different levels of coverage. Talk to an independent insurance agent near you to learn more.

Independent agents in Utah are available to help you with all of your insurance coverage needs. These agents can help you review and compare policies and quotes from multiple providers so you can be certain that you are getting the coverage you want at a competitive price. Discover the many benefits of having an insurance professional on your side. Arrange an obligation-free consultation with an independent insurance agent near you today.