If you run a business with vehicles in Utah, commercial auto insurance isn’t just a good idea—it’s required. Utah law says you need minimum liability coverage for your commercial vehicles, which helps protect you from big out-of-pocket costs if something goes wrong.
This insurance covers your business rides—cars, trucks, vans, you name it—and helps you dodge financial headaches from claims or injuries.
Picking the right policy is about knowing what actually fits your business. Some coverage protects you from liability, others from damage or injuries—so you can handle whatever the road throws at you.
Not sure what you need? Figuring that out now can save you cash and a lot of stress later.
Key Takeways
- Utah requires minimum liability insurance for commercial vehicles.
- Coverage shields your business from accident-related expenses.
- The right policy depends on how you use your vehicles and what kind of business you run.
Understanding Commercial Auto Insurance in Utah
Commercial auto insurance is there to protect your business vehicles and cover costs tied to accidents, injuries, or property damage. Utah’s got its own rules and minimums—if you don’t meet them, you could end up with fines or worse.
Definition and Overview
Commercial auto insurance covers vehicles used for business. That means cars, trucks, vans, or just about anything your company owns or leases.
If one of your business vehicles gets into an accident, this policy helps pay for damages or injuries.
Usually, you’ll see coverage for liability (bodily injury and property damage), collision, comprehensive, and sometimes medical payments. It’s not the same as personal auto insurance—business vehicles face more risk, whether it’s hauling goods or clocking more miles.
If your ride is making you money, you really need this insurance to keep your finances steady.
Who Needs Commercial Auto Coverage
If your vehicle does more than just get you to and from work, you probably need commercial auto insurance. Delivering goods? Driving clients? Hopping between job sites? That’s business use.
Personal auto insurance usually won’t cut it if you’re using your car for work. Business owners, freelancers, and anyone with company vehicles—this one’s for you.
Jobs like delivery driving, contracting, or sales? Commercial auto is basically a must.
Not sure if you need it? Check your current policy or ask an agent. The last thing you want is to be caught uncovered.
Utah State Requirements
Utah has set minimum liability coverage for commercial vehicles. Here’s what you need:
- $25,000 for bodily injury per person
- $65,000 for bodily injury per accident
- $15,000 for property damage
These numbers cover you if you hurt someone or damage property in a crash. Your commercial policy has to meet—or beat—these limits.
If you’re hauling people or hazardous stuff, you might need even more coverage. Skipping the minimums? That could mean fines or losing your registration.
Double-check that your policy says “commercial” so you don’t run into trouble with claims or the law.
Key Coverages and Policy Options
Commercial auto insurance in Utah comes with a few key pieces. Each one is there to help your business bounce back from accidents, damage, or even uninsured drivers.
Liability Protections
Liability coverage is the non-negotiable part—Utah law makes it mandatory for commercial vehicles. It pays if you cause injury or property damage in a crash.
The bare minimum is $25,000 per person, $65,000 per accident, and $15,000 for property damage. You can go higher if you want more protection.
It even helps with legal defense if someone sues you. Just remember, it doesn’t cover your own injuries or your vehicle’s repairs.
Take a close look at your limits. Sometimes, a little extra coverage is worth it for peace of mind.
Physical Damage Coverage
Physical damage coverage breaks down into two parts: collision and comprehensive.
Collision pays for repairs if your vehicle is in a wreck, no matter who’s at fault.
Comprehensive handles the weird stuff—think theft, vandalism, fires, or crazy weather.
This coverage keeps your vehicles on the road without you shelling out a fortune.
You get to pick your deductible. Lower means you’ll pay more out-of-pocket if you have a claim, but your premiums stay lower.
Having both types gives you solid protection for your vehicles and your business.
Uninsured and Underinsured Motorist Coverage
This one’s for when someone else causes a crash but doesn’t have enough insurance—or any at all.
It covers your medical bills and car repairs when the other driver can’t pay up.
In Utah, it’s optional for commercial vehicles, but honestly, it’s a smart move.
If you’re driving in busy or risky areas, this coverage is even more important.
Skip it, and you could be stuck with a huge bill if the other guy can’t pay.
How to Choose the Right Policy
Finding the right policy is a balancing act between what you pay and what you get. Shop around, get quotes, and consider how your business actually uses its vehicles.
Don’t just look at price—think about what you really need and what you can do without.
Comparing Providers in Utah
Start with quotes from several Utah-licensed insurance companies. Prices jump around, so comparing is worth your time.
Check out each company’s reputation and customer service. Sometimes, it’s worth paying a bit more for a provider that actually picks up the phone.
Make sure the policy covers all your work vehicles—trucks, vans, whatever you use. Ask about discounts for safe driving or insuring multiple vehicles.
Go over the deductibles and coverage limits. You want to know what you’re on the hook for if something goes sideways.
Customizing Policies for Different Businesses
Your business type affects what coverage you need. If you deliver goods, you’ll likely need coverage for cargo.
If you transport passengers, liability limits should be higher. Think about how often and where you use your vehicles—risk changes depending on usage.
You can add options like roadside assistance or rental reimbursement. Review your liability limits to meet Utah’s legal requirements.
Also, consider your business assets. It’s worth taking the time to tailor your policy so you’re not stuck paying for coverage you don’t need.