UTAH BUSINESS INSURANCE

BUSINESSES WE INSURE IN UTAH

At Selective, we offer commercial insurance to over 400 types of businesses. Alongside our independent agency partners, we are proud to serve Utah businesses of almost any size, including, but not limited to:

• Contractors – general contractors (residential and commercial), glass and glazing, plaster and drywall, floor laying, metal erection

• Manufacturers and Wholesalers – wholesale durables, industrial machinery, furniture and fixtures, rubber and plastics, apparel

• Professional Offices – law firms, advertising agencies, medical offices, real estate agencies, architects, accounting firms

• Mercantile Services – retail food, retail goods, public golf courses

• Auto Services – including repair shops and body shops

• Consumer Assistance Programs – social services, senior living, religious organizations, municipalities, fire departments

Don't see your profession or want more information? Find a local independent agent in Utah for answers and a business insurance quote.

PROTECT YOUR UTAH BUSINESS WITH INSURANCE FROM SELECTIVE

Selective and your independent agent can help you reduce risk and protect your business by customizing a business insurance solution tailored to you.

Additional Coverages for UTAH BUSINESSES

Selective offers a variety of optional insurance coverages and enhancements to help you and your agent build a strategic insurance solution that meets your needs. Optional coverages for Utah businesses include:

• Workers Compensation can help pay for medical treatment, lost wages, rehabilitation, and disability benefits if an employee has a work-related injury or illness. It can also help protect you as a business owner by helping pay for legal costs if an injured worker sues your business.
• Commercial Flood Insurance helps protect your physical buildings or structures from flood-related losses, including damage to the foundation, walls, HVAC, wiring, and more. It also covers the contents, including furniture, equipment, inventory, and more.
• Product Recall Coverage can help your business navigate product recalls, minimize losses, and pay for covered expenses such as hiring temporary employees or product disposal.
• Management Liability Insurance is a suite of coverages that can help protect your business from financial losses not typically covered under standard commercial general liability policies. MLI coverages include Directors and Officers (D&O), Employment Practices Liability Insurance (EPLI), and Fiduciary Liability (FLI).
• Commercial Auto Insurance can help protect your company vehicles and drivers on and off the road. It may also help pay for medical bills if you, your employees, or passengers are injured in an accident in which your company is at fault.

Get Broad and Convenient Coverage from a Business Owners Policy

A Business Owners Policy (BOP) bundles property, liability, and business income insurance into a single, budget-friendly package that can help protect your business against losses related to property damage, lawsuits, or other incidents.

Your local independent insurance agent can help you decide if a Business Owners Policy from Selective is right for your needs.

FREQUENTLY ASKED QUESTIONS ABOUT UTAH BUSINESS INSURANCE

How Much Does Commercial Insurance Cost in Utah?

Commercial insurance costs in Utah can vary widely from business to business. Some factors that can affect your cost include location, payroll, number of employees, and the types of vehicles you own. Your local independent insurance agent can help you assess your risks and tailor a commercial insurance policy that provides adequate protection for your needs.

Is Workers Compensation Insurance Mandatory for Employers in Utah?

Utah businesses must carry worker’s compensation insurance if they employ one (or more) full-time, part-time, seasonal, or occasional workers. Without workers' compensation insurance, you could be held liable for all benefits provided under Utah law if an employee is injured or becomes ill on your premises. A worker’s compensation policy may also provide injured workers with a portion of lost wages if they take time off to recover.