Business Insurance in Utah

Families trust G&G because we are the only full-service agency that saves you time and money, offers comprehensive coverage made easy, and proven, best-in-class service.

Business Insurance Made Easy

Whether it’s trying to pick the right business insurance in Utah or hiring the right workers or countless other examples, there are endless decisions that come with owning your own business. The majority of the decisions you make won’t cost you more than a few hours of thought and research to come up with an answer. But there are times in which even the smallest decision could cost your company thousands of dollars and ultimately decide whether you are successful or not.

The process of choosing the right business insurance is crucial to protect your company. Don’t fear losing the dream business you’ve worked so hard to build because you didn’t have financial protection. G&G Independent Insurance will work with you to design affordable business insurance packages that are customized to your needs. G&G makes it easy and affordable for you!

How Much Does Business Insurance in Utah Cost?

Every business in Utah is unique and has different levels of risks. From services or products offered, to daily work hours, to the number of employees, it all impacts your business insurance. A boutique with five employees that opens from 8 am to 8 pm is going to need a different business insurance than a hotel that employs 60 people, has an attached bar and restaurant, and is open 24/7. To give you a ballpark figure, a small business in Utah pays an average of $46 per month for insurance.

Some factors that affect the cost of business insurance are:

  • Daily risks of business - Some industries present a greater risk, such as a construction firm, and spend a higher amount on insurance coverage while others have lower risks, like a fitness center
  • Coverage and policy limits - You may opt to purchase the minimum business insurance requirements in Utah to lower your premium per month. But if there is an unexpected event, your company is likely to pay more out of pocket to solve it.
  • Number of employees - The workers compensation insurance will depend on your number of employees. If you know the exact headcount of your employees and how many people you plan to hire in the future, you can easily get a quote for business insurance.


But the good news is that business insurance doesn’t have to break the bank. There are many affordable options and G&G Independent Insurance is here to help you design a small business insurance plan that fits your company like a glove. Get the coverage you need to protect your business without getting stuck with unnecessary extras.

What Our Clients Say

Mica Schuler
2 months ago
I recently purchased a new home and needed to secure a home insurance policy. I reached out to G&G and was thoroughly impressed with the...
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4 months ago
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2 months ago
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What Kind of Business Insurance Is Available in Utah?

Deciding on what insurance you need for your small business and figuring out what to purchase can be an intimidating process. There are so many options! But our trained professionals are ready to help you out and walk you through the process of finding the right insurance for your situation. 

Some types of business insurance coverages available in Utah are:

Commercial Property Insurance

Commercial property insurance covers not only your company building but any of the ‘property’ owned as well. This can include physical items such as valuable documents, computers, and equipment, but also more abstract assets, such as lost income due to damage or interruptions. Commercial property insurance is the first line of protection against losses due to fires, vandalism, theft, and more. Learn more about obtaining commercial property insurance here!

Commercial Auto Insurance

As mentioned above, it is required in Utah to have commercial auto insurance coverage for any vehicles owned by your company. Most commercial auto insurance coverage is similar to personal auto insurance, but because of the difference in use compared to a personal vehicle, it’s assessed differently. It’s important to be aware that if you use your personal vehicle for business purposes, you may not be covered under your personal auto insurance for any accidents that occur while driving for your business. Commercial auto insurance often includes the option for you to add protection for employees driving personal vehicles for business use. For a more comprehensive look at commercial auto insurance, visit our Commercial Auto Insurance page.

Commercial Umbrella Insurance

It’s tempting to think that once you’re insured, you’re in the clear. But sometimes your losses are greater than the coverage of your commercial insurance plan. This can result in devastating consequences for a business, especially small businesses that can’t afford to fight large lawsuits or cover other unexpected expenses. Commercial umbrella insurance is a catch-all to protect you where your regular coverage might meet its limit. Contact G&G Insurance today to see if your small business could benefit from commercial umbrella insurance. 

For more on the types of business insurance services offered in Utah by G&G Insurance, visit our Commercial Insurance page.

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We’re more than happy to talk to you one-on-one concerning all your questions about finding insurance services in Utah.