Business Protection
Business Insurance
Safeguarding What You've Built
We offer tailored business insurance packages to meet your ever-changing needs, including access to specialty markets for hard-to-place risks.
Get a Business QuoteBusiness Coverage Options
From startups to established operations, we build customized coverage packages that protect your business on every front.
General Liability
Protection against third-party claims of bodily injury, property damage, and personal injury arising from your business operations.
Commercial Property
Covers your building, equipment, inventory, and other business property from fire, theft, vandalism, and covered weather events.
Commercial Auto
Coverage for company vehicles used in your business — from a single work truck to a full fleet.
Commercial Umbrella
Extra liability limits above your underlying policies. Essential for businesses with significant exposure.
Workers' Compensation
Required in Utah for most employers. Covers medical costs and lost wages for employees injured on the job.
Professional Liability
Also known as E&O insurance. Protects professionals from claims of negligence, errors, or omissions in the services they provide.
Surety Bonds
License bonds, contract bonds, and court bonds for contractors, professionals, and businesses requiring bonding.
Cyber Liability
Covers your business from data breaches, ransomware attacks, and cyber incidents that can disrupt operations and expose sensitive data.
We Represent You — Not the Carrier
Many business owners aren't fully aware of the gaps in their coverage until a claim is filed. Our role is to proactively identify those gaps, compare options across our carrier network, and make sure your policy actually matches your risk.
We also have access to specialty and surplus lines markets for businesses that are harder to place with standard carriers.
Business Insurance FAQs
What's the minimum insurance a Utah business needs?
Most Utah businesses with employees are required to carry workers' compensation. Beyond that, your lender, landlord, or contracts may require general liability. We help you identify what's required and what's recommended for your specific industry.
What does a BOP (Business Owner's Policy) include?
A BOP bundles general liability and commercial property into a single, usually discounted policy. It's ideal for small to mid-sized businesses. We'll assess whether a BOP or individual policies make more sense for your situation.
Do I need professional liability if I have general liability?
Yes — general liability covers physical risks, while professional liability (E&O) covers claims of negligence in your services or advice. Both are needed for most professional service providers.
Carriers We Work With
