Contractors Insurance in St. George, Utah
General liability, tools & equipment, workers' comp, and commercial auto for general contractors, electricians, plumbers, HVAC, and trades in Southern Utah.
Contractors Insurance built for Southern Utah
General liability
Protect your business from third-party bodily injury and property damage claims.
Tools & equipment
Inland marine coverage for your trucks, trailers, and the gear you actually depend on.
Workers' comp & licensing
Required coverage to keep your Utah DOPL license active and your crew protected.
1099 sub fast-track
Liability programs designed for small crews and artisan subs.
Same-day COIs
GCs need certificates fast — we turn them around same day in most cases.
Bonds & licensing support
License, performance, and payment bonds coordinated through our bond markets.
What you actually need to know about contractors coverage
Utah's Division of Occupational and Professional Licensing (DOPL) requires most contractors to carry a minimum of $300,000 in general liability — but most general contractors and homeowners require $1M/$2M before they'll let you on a job site. We default to $1M/$2M for most trades and write higher limits when projects require it.
Workers' comp is required in Utah for any contractor with one or more employees, and it's checked when you renew your license. We write workers' comp through every major Utah carrier — including pay-as-you-go options that align premiums to actual payroll instead of estimated annual figures.
Tool theft from job sites and locked trucks is one of the most common claims we see for Southern Utah trades. An inland marine policy covers tools and equipment at their replacement cost, on the job site, in transit, and in storage. For a typical trades business, $25K–$100K in tools coverage runs a few hundred dollars a year.
Coverage that fits the way you actually live here
Southern Utah is building fast — from custom homes in Entrada to commercial work in Washington Fields. We write coverage trusted by general contractors, electricians, plumbers, HVAC techs, landscapers, and specialty trades across the region.
Mon–Fri 9:00 AM – 5:00 PM · St. George, UT
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Contractors Insurance questions, answered
Straight answers from a local agent. Have another question? Call us at (435) 628-0993.
Contractors Insurance across Southern Utah
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