Contractors Insurance in Southern Utah
Contractors insurance across Southern Utah — $1M/$2M general liability, tools, workers' comp, and same-day certificates. Call (435) 628-0993.
Contractors insurance in Southern Utah generally runs $55–$180 a month for $1M/$2M general liability, with tools coverage, workers' comp, and commercial auto added as your crew grows. Utah DOPL requires at least $300,000 in liability, but most general contractors demand $1M/$2M before you're on site.
OnPoint Insurance Group is a licensed independent agency in St. George shopping multiple A-rated contractor markets — general contractors, electricians, plumbers, HVAC, roofers, excavators, and artisan subs. Additional-insured endorsements, waivers of subrogation, and certificates are usually issued the same business day. Call (435) 628-0993.
Reviewed by Tad HuntLicensed UT / AZ agent · 21 years · UT Lic. #2266985.0 · 100+ reviews
Contractors Insurance built for Southern Utah
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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
From Washington County subdivisions to Iron County commercial work, Kane County lodging jobs, and cabin builds at Brian Head and Pine Valley, we write general contractors, electricians, plumbers, HVAC techs, excavators, roofers, landscapers, and specialty trades. Every city page below is written for that market's own trades, contracts, and jobsite risks.
Mon–Fri 9:00 AM – 5:00 PM · St. George, UT
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Contractors Insurance questions, answered
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Contractors Insurance across Southern Utah
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