Small business insurance in Utah with Huckleberry Insurance

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Small business insurance in Utah with Huckleberry Insurance

Small business insurance in Utah

The State of Utah is a hub for entrepreneurship. Not only does it have 287,873 small businesses which provide jobs for 572,888 people (or 46.2% of private employees), but it boasts impressive job growth. In fact, 25,549 jobs were added by small businesses in 2016 alone—and that trend continues today. So, if you’re an entrepreneur in the Beehive State, you can know you’re a crucial part of an economic powerhouse, and you need the best small business insurance to keep your company protected.

Looking to get started? Get a small business insurance quote with Huckleberry in minutes. See how much you can save on your policy—and get the protection you need in a jiff, so you can get back to what really matters. From Salt Lake City to Provo to St. George: Don’t be caught without an insurance policy that protects you, your team, and your hard-earned business income.

The most common types of Utah business insurance

Small business insurance in Utah with Huckleberry Insurance

Workers’ compensation covers your employee if they ever get hurt or sick because of their job. It’ll take care of doctors’ visits, medical expenses, rehabilitation, and lost wages.

Small business insurance in Utah with Huckleberry Insurance

A business owner’s policy (commonly referred to as a BOP) combines important coverages that’ll protect you in various circumstances. It combines general liability insurance, business interruption insurance, and property insurance in one handy package.

Commercial general liability coverage is there to cover legal fees if a third party ever sues your small business for property damage, bodily injury, advertising injury, and more. This type of coverage, also known as business liability insurance, is not to be confused with professional liability insurance (see below).

Business property insurance pays out for your building if it’s ever damaged for a covered reason. Business personal property insurance pays out for the important things inside the building.

Business interruption insurance takes care of ongoing and emergency business expenses if you’re ever forced to shut down for a covered reason. It’ll cover payroll, taxes, loan payments, and relocation costs.

Small business insurance in Utah with Huckleberry Insurance

How much does Utah small business insurance cost?

First, some general figures: The median yearly price that Huckleberry customers pay for Utah workers’ compensation is $79 per month. For general liability, the cost is $59 per month. And the median annual cost for a BOP (also called a Business Owner’s Policy)—which combines several coverages and includes general liability—is only $58 per month.

Will these numbers match your premium? Probably not, and here’s why: No two small businesses are exactly alike. Your location, your industry, and the size of your payroll will all factor into the rate you’ll pay, as calculated by your insurance company. So your small business insurance premiums could be higher or much lower than the median.

Plus, your business insurance needs are unique—not every business on the block needs commercial auto insurance or a liquor liability policy. But the exposures and risks that are unique to your business are exactly what you need to look out for: Are your employees often exposed to potential personal injury? Does your business interact with clients day in and day out? Do you serve shellfish? Exactly.

Other coverage options you can add to your Utah business insurance policy

Employment Practices Liability

If an employee ever sues you for harassment, mishandling of benefits, or discrimination, this coverage pays for legal fees and a settlement.

Hired and Non-Owned Auto

Suppose an employee (or another person connected to your company) ever causes harm with a vehicle that your company doesn’t own. In that case, this type of commercial auto insurance coverage helps with legal fees.

Professional Liability Insurance

Also called errors and omissions insurance. If you ever cause harm to a client during a professional service, this coverage helps cover your legal costs and settlement.

Liquor Liability

If your restaurant ever overserves alcohol to a customer who goes on to cause property damage or bodily harm, this type of liability coverage pays out to cover the damages.

Spoilage

Helps your business recover monetarily from having to throw out perishables due to a broken freezer or refrigerator (or other covered reason).

Equipment Breakdown

If your mechanical equipment stops working for a covered reason, this coverage makes sure you can get the needed repair or replacement.

Restaurant Endorsement

A package of coverages designed specifically for restaurants.

Employee Dishonesty

If an employee ever steals from your business, employee dishonesty insurance helps your business recover financially.

The most common industries getting small business insurance in Utah:

Small business insurance in Utah with Huckleberry Insurance

4 reasons why small business owners in Utah love Huckleberry

  1. It only takes minutes to get covered. (Getting a quote from a legacy insurance agent can take weeks.)
  2. Simple decisions. We explain everything in simple terms.
  3. You manage your policy online. No paperwork.
  4. There’s a good chance you’ll pay a lot less for the coverages you need.

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