Nationwide emerged as the top contender for Utah's best general liability insurance in MoneyGeek’s analysis, with a score of 94 out of 100. However, The Hartford, NEXT, Hiscox and Thimble are also great options for general liability policies.
Best General Liability Insurance in Utah
Updated: June 19, 2025
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Key Takeaways
Overall, the best general liability insurance company in Utah is Nationwide, which has a great balance of affordable rates for LLCs and good customer service.
The cheapest general liability insurance for sole proprietors in Utah is offered by Thimble at $24 per month. For LLCs, NEXT is the most affordable option at $27 a month.
General liability insurance costs in Utah depend on your industry, and we found they can range from $30 to $4,067 per month on average.
Best Cheap General Liability Insurance in Utah
| Nationwide | 94 | $37 | $39 |
| The Hartford | 90 | $34 | $54 |
| NEXT | 90 | $27 | $29 |
| Hiscox | 83 | $32 | $81 |
| Thimble | 82 | $24 | $68 |
*Rates were based on a $1,000,000 per occurrence and $2,000,000 aggregate limit for a software development company.
Nationwide: Best Overall
pros
Low rates for LLC businesses
Large coverage selection
Low customer claims frequency
cons
Higher rates for sole proprietors
COMPANY HIGHLIGHTS
Our Utah winner for general liability insurance is Nationwide, which excels at providing affordable protection alongside dependable customer care. The insurer ties for first with minimal claims ratios from NAIC data and holds second position for LLC cost savings at an average of $444 yearly.
NEXT: Cheapest Overall
pros
Easy fast buying process
Very cheap rates overall, regardless of business size
Business-insurance-only focus
cons
Higher customer complaint frequency
COMPANY HIGHLIGHTS
We selected NEXT as Utah's most affordable general liability insurance option. Sole proprietors can secure coverage for just $27 monthly, while LLCs pay $29 per month. Despite having a higher claims ratio compared to other insurers we analyzed in the state, NEXT provides a streamlined purchasing experience with same-day proof of insurance available.
How Much Is General Liability Insurance in Utah?
General liability insurance for software development companies in Utah averages about $31 per month for sole proprietors and $54 per month for LLCs with 20 employees. Keep in mind, costs can vary widely by industry.
| Cleaning | $1,450 | $73 |
| General Contractor | $2,903 | $642 |
| Software Development | $54 | $31 |
*Rates are based on a $1,000,000 per occurrence and $2,000,000 aggregate coverage policy for general liability.
Factors That Impact General Liability Insurance Costs in Utah
General liability insurance costs can fluctuate based on a number of different factors in Utah. In the list below, you can see these factors and their impacts on your coverage costs: location, industry type, business size and revenue, and claims history.
Policy limits
Coverage limits have a major impact on insurance premiums. Opting for higher limits will increase costs, while choosing lower limits often results in more affordable premiums.
Number of employees and payroll costs
Businesses with a large workforce and high payroll expenses typically see an increase in general liability insurance costs. This trend is evident in both LLCs and sole proprietorships.
Business location
Where your business is located greatly influences your insurance costs. State-level average rates can differ from city to city, so it's important to consider these variations when assessing your coverage needs.
Claims history
A record of multiple claims can make a business seem riskier to insurers, which often leads to higher premiums.
Industry
Industries with higher risk levels, like construction, usually incur higher general liability insurance costs.
Utah General Liability Insurance: Buyer's Guide
Business insurance is a complicated industry and can be difficult to navigate. So, to simplify your understanding of general liability insurance, we've created a short guide detailing how to get the best coverage, defining what it covers, listing requirements in Utah, and explaining how much coverage you should consider getting.
How to Find the Best General Liability Insurance Company
To help ensure that you get the best small business insurance regardless of your industry, we've created a step-by-step guide to simplify your coverage search.
- 1
Define your coverage needs
Determine your liability risk by considering your industry, services, customer types, business size and market impact. Assess the frequency and costs of common claims in your industry to evaluate coverage options better.
- 2
Research average costs for your business
To understand how good of a deal you're getting from business insurance companies, you need to research average costs for your particular business. Knowing average expenses will give you a way to judge whether a company is saving you money or not.
- 3
Consult similar businesses
Your business community is your greatest resource, and personal experience is often more valuable than online resources. You'll likely get better recommendations for your specific needs and an understanding of what claims are common within your industry.
- 4
Compare multiple options through different means
Comparing multiple companies allows you to judge which option is best for your business. Also, choosing multiple means of comparison, like online comparison sites and brokers, will give you a more comprehensive view of pricing.
What Does General Liability Insurance Cover and How Does It Work?
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General liability insurance coverage consists of two parts: per occurrence and aggregate limits. Per occurrence refers to the maximum a single claim can go up to, while the aggregate limit is the total coverage you can get per year. In terms of covered items, this type of policy includes the following:
Bodily injuries or property damage on business property
Legal fees for bodily injury or property damage that your company may be responsible for
Damages to leased or rented business property
Bodily injury or property damage caused by your product or service
Libel, slander, or reputational harm legal defense
Legal fees for copyright infringement accusations
Is General Liability Insurance Required in Utah?
Like in most states, general liability insurance isn't expressly required by state law and instead varies by your industry. However, if you are looking to apply for a professional license, sign a contract with a larger company, or sign an office lease, some form of general liability insurance may be required. While not an exhaustive list, the following industries tend to fall into these categories:
- Medical
- Accounting
- Real estate
- Insurance
- Contracting
- Engineering
- Marketing
- Law
- Consulting
- Media/Communications
How Much General Liability Insurance Do I Need?
Most small businesses will only need a standard policy with $1 million of protection per occurrence and a $2 million limit per year. This will likely cover most or all damages caused over a year for most business types. Even so, your particular industry's risks and the size of your operation may require a larger coverage limit than standard.
WHO MAY NEED MORE COVERAGE
Certain businesses, like those in health services, building, and sales, often face higher risks. These risks can lead to more costly insurance claims. If you run a business in one of these areas, think about getting more coverage. This is also true for bigger companies with lots of workers or those that sell a lot of products. They should look at their risks and might need more than the minimum coverage.
Best General Liability Insurance in Utah: Bottom Line
Overall the best general liability insurance companies in Utah are Nationwide, The Hartford, and NEXT. However, we recommend comparing around yourself and getting plenty of quotes to ensure you get the best deal possible.
General Liability Insurance in Utah: FAQ
Below, we address frequently asked questions regarding general liability insurance in Utah.
Which company has the best general liability insurance in Utah?
MoneyGeek's leading choice for general liability insurance in Utah is Nationwide, with an overall score of 94 out of 100. However, the ideal insurance for you depends on varied details including your business size, number of employees, and specific coverage needs.
Which company has the cheapest general liability insurance in Utah?
On average, NEXT offers the most affordable coverage for LLCs with average rates of $348 per year ($29 monthly). For sole proprietors, Thimble is cheapest, with an average annual rate of $288 per year ($24 monthly).
Does Utah require businesses to have general liability insurance?
In Utah, while not compulsory, securing general liability insurance is a good decision to protect your business against financial losses from third-party liability claims.
How We Chose the Best General Liability Insurance Providers in Utah
We broke down our scores into these categories and weights:
- LLC cost (55% of score)
- Sole proprietor cost (5% of score)
- Customer satisfaction (25% of score)
- Financial strength (10% of score)
- Quote process time (5% of score)
For all business insurance companies, we assumed software development industry LLCs with 20 employees. We based customer satisfaction and financial strength scores on NAIC and AM Best ratings. Quote process scores came from our MoneyGeek experts' personal experiences.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.