Utah GL Insurance by Industry: $900 to $25,000+ a Year

A Utah restaurant can carry general liability insurance for roughly $900 a year. A trampoline park can pay $18,000 or more for the same kind of policy. Those figures come from The Insurance Center's 2026 Utah pricing guides, and the gap between them explains how general liability actually works.

Utah's all-industry average sits at $1,319 a year, or $110 a month, according to MoneyGeek's October 2026 estimates. That number tells you almost nothing about your business. Price follows what can go wrong on your premises or job site, and what the policy refuses to cover once it does.

Here's the short version for the four industries we get asked about most: trampoline parks, security companies, restaurants and contractors. Each one pays a different price, answers to a different Utah rule, and has a different gap hiding in the fine print.

Utah General Liability Cost by Industry at a Glance

Most Utah businesses pay somewhere between $400 and $2,500 a year for a $1 million per occurrence, $2 million aggregate policy, according to The Insurance Center's April 2026 Utah general liability guide. These four industries sit well outside the middle of that range, in both directions.

Restaurants and cafes: $900 to $1,800 a year, with liquor liability priced separately (The Insurance Center, April 2026).
Residential general contractors under $1 million in revenue: $2,000 to $4,500 a year. Specialty trades like electrical, plumbing and HVAC: $1,200 to $3,000 (The Insurance Center, April 2026).
Security companies: $500 to $1,100 a year for $1 million of general liability at the national level, per HowToStartAnLLC's 2026 security company guide.
Trampoline parks: $18,000 to $25,000 a year for a general-liability-only policy at $2 million/$4 million limits on a mid-size park (The Insurance Center, April 2026).

Those ranges assume a clean claims history. One $15,000 slip-and-fall claim can raise a renewal by 15% to 30%, so a bad year changes the math fast.

What Does General Liability Insurance Actually Cover?

General liability pays when a third party says your business caused them bodily injury, property damage or advertising injury. It covers your legal defense and any settlement or judgment up to your policy limit, and the standard limit is $1 million per occurrence with a $2 million aggregate.

It doesn't cover your own employees' injuries (that's workers' compensation), your own building and equipment (commercial property), professional mistakes (professional liability, also called errors and omissions) or your vehicles (commercial auto). Most of the coverage gaps in the four industries below come from one of those exclusions.

Utah doesn't require every business to carry general liability. The requirement shows up through licensing rules, your landlord's lease and your customers' contracts, which is why contractors and security companies have a legal minimum and a restaurant usually doesn't.

How Much Does Trampoline Park Liability Insurance Cost in Utah?

A mid-size trampoline park pays about $18,000 to $25,000 a year for a $2 million/$4 million general liability policy, and that policy doesn't cover the people actually jumping. The Insurance Center's April 2026 trampoline park guide puts a full program, including participant liability, property and workers' comp, at $20,000 to $100,000 or more.

General liability responds to the spectator who slips on the stairs or the parent who trips over a bag in the lobby. A participant who lands wrong on a court is a different claim, and standard general liability typically excludes it. That gap is filled by participant liability, and adding a $2 million participant limit can roughly double the general-liability-only cost.

The market has also tightened hard. The Insurance Center's August 2026 analysis found standard general liability rates for family entertainment centers up 30% to 100% nationwide, with Hartford, Travelers and Liberty Mutual among the carriers declining the class. Surplus lines carried 12.3% of total property and casualty premium in 2024, up from 3.6% in 2000, according to Insurance Journal's 2025 surplus lines report, and that's where this class increasingly lands.

Underwriters reward paperwork. Training logs, inspection records, incident reports and timestamped digital waivers all lower the number you get quoted. For the full breakdown, see our guide to trampoline park insurance cost.

What Does Utah Require for Security Company Liability Insurance?

Utah requires every licensed contract security company to file a certificate showing at least $300,000 per incident and $1,000,000 in annual aggregate liability coverage, under Utah Administrative Code R156-63a-302d. The same rule applies to armed and unarmed companies.

Here's the catch. That rule doesn't just say "general liability." It lists general liability, assault and battery, personal injury, false arrest, libel and slander, invasion of privacy, broad form property damage, damage to property in the company's care or control, and errors and omissions. A basic general liability policy often limits or excludes assault and battery, which is a claim a guard company can face on any shift, so a bare-bones policy may not satisfy the rule.

On price, HowToStartAnLLC's 2026 guide puts the average security business at $500 to $1,100 a year for $1 million of general liability. That's a national figure for the policy alone. Belfry Software's January 2026 guide adds roughly $1,034 a year for professional liability and about $1,000 per guard for workers' compensation, citing The Hartford for the workers' comp number. Ask your agent how armed posts, event work and headcount change your rate, because carriers price those differently even though the Utah rule doesn't.

How Much Does Restaurant General Liability Insurance Cost?

Utah restaurants and cafes typically pay $900 to $1,800 a year for general liability, according to The Insurance Center's April 2026 guide. Insureon's customer data runs higher, with a median of $192 a month, or $2,300 a year, for $1 million/$2 million limits.

Insureon's figure comes from restaurant owners who bought through its platform, and most of them have fewer than five employees and revenue between $50,000 and $200,000-plus. Foot traffic, coverage limits, deductible and additional insured endorsements move the price. A landlord who requires you to name them on the policy adds to the cost, and so does a busy dining room.

General liability handles the customer who slips on a wet floor or gets hurt by a fallen sign. Most restaurant policies also respond to guest illness claims through products coverage, but the exact wording varies, so ask your agent how yours reads. It won't cover your cooks' injuries or your spoiled inventory.

Alcohol is its own policy. Liquor liability runs about $546 a year at the median per Insureon, with most businesses paying between $150 and more than $4,000. If you pour beer, wine or cocktails, read our Utah liquor liability insurance cost guide before you assume general liability has you covered.

A business owner's policy bundles general liability with property coverage. Insureon's median BOP for restaurants is $337 a month, or $4,045 a year, and it's often cheaper than buying the pieces separately.

What Do Utah Contractors Need for General Liability?

The Utah Division of Occupational and Professional Licensing (DOPL) requires contractors to carry at least $100,000 per incident and $300,000 in total general liability coverage, with DOPL listed as the certificate holder. The policy has to stay active for as long as the license does, and it has to be in force at every renewal.

That's the legal floor, and almost no one works at it. General contractors and property owners commonly require $1 million/$2 million before they let you on site, and subcontract agreements often ask for five to ten times the DOPL minimum. Moving from $1 million/$2 million to $2 million/$4 million adds roughly 20% to 35% to the premium.

On cost, a residential general contractor (B100) under $1 million in revenue pays $2,000 to $4,500 a year, and a specialty trade runs $1,200 to $3,000, per The Insurance Center's April 2026 guide. For comparison, MoneyGeek's national average for construction and contracting is $4,041 a year.

General liability is one piece of the contractor package. Workers' comp, a surety bond and builders risk (about 1% to 4% of project value) all sit on top of it. We cover the full stack in our Utah contractor insurance requirements guide.

Why Two Utah Businesses on the Same Policy Pay Different Prices

Carriers rate general liability on the thing that creates the exposure, not on a flat fee. Trampoline parks are rated on jumper-hours, which is attendance multiplied by session length. Restaurants are generally rated on sales, and contractors and security companies on payroll or labor hours. A bigger operation in any of these classes pays more, and so does a bigger limit.

Claims history, deductible, location and the quality of your safety records round out the rest. If you're comparing quotes, line them up on limits, exclusions and rating basis before you compare price. A cheaper quote with an assault and battery exclusion isn't cheaper for a guard company.

Frequently Asked Questions

How much does general liability insurance cost in Utah?

The average Utah business pays about $1,319 a year, or $110 a month, per MoneyGeek's October 2026 estimates, and most small businesses land between $400 and $2,500 according to The Insurance Center. Industry moves the number more than anything else: a restaurant often pays under $2,000 while a trampoline park can pay over $18,000 for general liability alone.

Does Utah require general liability insurance for contractors?

Yes. Utah DOPL requires licensed contractors to carry general liability of at least $100,000 per incident and $300,000 in total, with the policy active for the full length of the license. Most contracts ask for $1 million/$2 million.

Does general liability cover customers who get hurt jumping at a trampoline park?

Generally no. Standard general liability covers spectators and visitors, but it typically excludes injuries to participants in the activity. Trampoline parks need a separate participant liability policy to cover the jumpers.

Do Utah security companies need assault and battery coverage?

Yes. Utah Administrative Code R156-63a-302d requires contract security companies to carry coverage that includes assault and battery, along with false arrest, personal injury and errors and omissions, at $300,000 per incident and $1,000,000 aggregate.

Is liquor liability included in a restaurant's general liability policy?

Usually not. Restaurants that serve alcohol buy liquor liability as a separate policy, and Insureon reports a median cost of about $546 a year with a range from roughly $150 to more than $4,000.

The Bottom Line

Your industry sets your general liability price, your Utah requirement and your biggest coverage gap. A restaurant needs to watch alcohol, a contractor needs to watch its contract limits, a security company needs to watch assault and battery, and a trampoline park needs to watch participant injuries. Get those four right and the base policy takes care of itself.

Ready to review your general liability coverage? Call The Insurance Center at (801) 622-2626 or visit us in Farr West or Heber Valley. We shop your coverage across multiple carriers so you see more than one price.

This article is general information, not a coverage determination. Policy wording, exclusions and pricing vary by carrier. Ask your licensed agent about your specific policy.

Sources

About the Author: Jett Iverson is the Director of Marketing at The Insurance Center, an independent insurance agency serving Northern Utah since 1995. He works alongside licensed agents to help Utah families and businesses understand their coverage options and make confident insurance decisions.

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Utah RV insurance cost header: $878 a year for a motorhome, $378 for a travel trailer.

Utah RV Insurance Cost: $878 a Year for a Motorhome, $378 for a Travel Trailer

By Shawn Iverson • October 13, 2026

The average Utah motorhome policy costs $878.32 a year, and a travel trailer policy averages $377.56, according to Progressive's 2024 figures for 12-month Utah policies. That's about $73 a month for a motorhome and $31 a month for a trailer. If you're keeping a rig in a Heber Valley driveway or hauling a trailer up to Bear Lake every July, those averages are a starting point, not a quote. Roamly puts Utah motorhome coverage anywhere from $700 to $3,500 a year, and a travel trailer can run $200 or $1,000 depending on how it's insured. The short answer: what you drive, what it's worth, and which coverages you pick set the price. Here's how the numbers break down, what Utah law requires, and where owners get caught assuming they're covered when they aren't. What Does RV Insurance Cost in Utah? Utah RV owners pay between $200 and $3,500 a year, and the gap comes down mostly to motorhome versus towable. Here are the figures from the sources we checked: Utah motorhome average: $878.32 a year (Progressive, 2024 Utah 12-month policies) Utah travel trailer average: $377.56 a year (Progressive, 2024 Utah 12-month policies) Utah motorhome range: $700 to $3,500 a year (Roamly) Utah travel trailer range: $200 to $1,000 a year (Roamly) Liability-only motorhome policies: starting at $125 a year (Progressive) National range by class: Class A $600 to $2,500, Class B $480 to $1,000, Class C $540 to $1,500, towables $200 to $600 (HomeGuide) The class ranges come from HomeGuide's cost database, so use them to see how RV class changes the price, not as a Utah quote. One thing worth knowing about the Utah averages: Progressive's numbers reflect what Progressive charges its own Utah customers. They're real and they make a good anchor, but they aren't a market-wide survey. Roamly's $700 to $3,500 motorhome range shows how wide the spread gets once other carriers and other rigs enter the picture. That spread is the reason to compare quotes instead of accepting the first one. Is RV Insurance Required in Utah? Yes for motorhomes. Utah requires liability coverage on a motorized RV, and the minimums are $30,000 for injury to one person, $65,000 for injury to two or more people, and $25,000 for property damage in any one accident. Those limits come from Utah Code 31A-22-304 and apply to policies issued or renewed on or after January 1, 2025. That's up from the old 25/65/15 limits. Some RV insurance pages still list the old numbers, which applied to policies issued or renewed through December 31, 2024. State Farm's summary of the law says it covers private passenger autos, commercial vehicles and recreational vehicles. Ask your agent to confirm the limits on your current policy, especially if it renewed before 2025. Utah also lists personal injury protection as required, according to Progressive, and uninsured and underinsured motorist coverage can only be turned down by signing a rejection form. Travel trailers work differently. Liability on a towed trailer comes from the auto policy on the vehicle pulling it, and that coverage doesn't protect the trailer itself. If you financed the RV, your lender will usually require comprehensive and collision coverage too, according to HomeGuide. The Utah Insurance Department adds a reminder worth taking seriously: mandatory minimum coverage does not necessarily mean you have adequate coverage. Does Your Car or Homeowners Policy Cover Your Travel Trailer? Not reliably. The Utah Insurance Department says some auto or homeowners policies provide minimal coverage for a trailer, and it tells owners not to assume that coverage exists or that it's adequate. That one sentence hides the usual surprise. A trailer parked at a campsite, stored for the winter, or borrowed for a weekend may fall outside what your auto or homeowners policy was written to handle. Two questions settle it. Does your current policy pay to repair or replace the trailer itself? And what does it pay for the camping gear and contents inside? If either answer is "I'm not sure," that's the call to make before the first trip, not after the first claim. The same department says to read any rental contract before you sign it if you rent or borrow a trailer, and to confirm what coverage comes with it. What Moves a Utah RV Premium Up or Down? Five things do most of the work: the type and value of the RV, how the policy pays out, your deductible, how you use the rig, and your driving record. That list comes from HomeGuide's breakdown of RV rate factors, and it matches what we see when we quote. Type and value come first. A Class B camper van runs $480 to $1,000 a year nationally and a Class A motorhome runs $600 to $2,500, because the replacement cost and repair bills sit in different tiers. Newer, higher-value rigs raise premiums, and older ones can too because of mechanical risk. Payout structure matters more than most owners expect. Policies that pay depreciated value cost less than replacement-cost policies, and agreed-value policies are a third option. The cheaper premium means a smaller check after a total loss, so compare how each policy pays before you compare price. Deductible and use are the two levers you control. A higher deductible lowers the premium, and frequent long trips can raise it. A clean driving record, experience operating an RV and a low claims history all pull the rate down. Utah owners have one more variable: how the rig lives through winter, and whether anyone lives in it. Full-time and seasonal use change the policy itself, not just the price. Our Utah RV insurance guide for full-timers and seasonal owners covers that side in detail. How Can You Lower Your Utah RV Insurance Cost? The fastest ways to lower an RV premium are a higher deductible, a cleaner record and quotes from more than one carrier. Each one has a trade-off, so here's how they actually play out. Raise the deductible. HomeGuide lists this as a direct premium reducer, but the higher number comes out of your pocket on every claim, so pick one you could pay tomorrow without stress. Choose depreciated value only if you'd accept the payout. It prices lower than replacement cost, and it also pays out lower after a total loss. Protect your driving record. A clean record, experience operating an RV and a low claims history all lower rates. Consider liability-only on an older, paid-off motorhome. Progressive's liability-only policies start at $125 a year, which may fit a rig that isn't worth insuring for damage, as long as no lender requires more. Compare at least three quotes. The Utah ranges above show how far apart carriers and rigs can land. Skip the one move that looks like savings and isn't: cutting liability to the bare minimum on a large motorhome. The state minimum pays the other driver's costs up to $30,000 per person, and a serious accident can run past that fast. Ask your agent what limits fit your assets, not just the legal floor. Why Quote an RV Through an Independent Agent? An independent agent can price your RV with multiple carriers in one conversation, so you see more than one number. That's the whole advantage. Carriers like Progressive and Roamly publish useful rate data and are worth a look. But a quote from one company is one price from one underwriting model, and the Utah ranges above show how far apart those models can land. At The Insurance Center, we shop your RV across carriers, line it up against your auto and home coverage, and flag the gaps before they turn into a denied claim. Our RV insurance page explains how that works, and we write coverage for RV owners across Northern Utah, including Heber City and Park City . Frequently Asked Questions How much does RV insurance cost per month in Utah? A Utah motorhome averages about $73 a month ($878.32 a year) and a travel trailer averages about $31 a month ($377.56 a year), according to Progressive's 2024 figures for 12-month Utah policies. Your rate depends on the RV's class and value, your deductible and how you use it. Is RV insurance required in Utah? Yes for motorhomes. Utah requires liability coverage of at least $30,000 per person and $65,000 per accident for bodily injury, plus $25,000 for property damage, on policies issued or renewed on or after January 1, 2025 (Utah Code 31A-22-304). A towed travel trailer relies on the liability coverage of the vehicle pulling it. Does my car insurance cover my travel trailer in Utah? Not reliably. The Utah Insurance Department says some auto or homeowners policies provide minimal coverage for a trailer and warns owners not to assume it is adequate. Ask your agent whether your policy pays for damage to the trailer itself and for the contents inside. Is it cheaper to insure a travel trailer than a motorhome? Yes. Progressive's 2024 Utah averages put a travel trailer at $377.56 a year against $878.32 for a motorhome, so the trailer costs less than half as much. Roamly's Utah ranges show the same pattern: $200 to $1,000 for trailers and $700 to $3,500 for motorhomes. Can I buy liability-only RV insurance in Utah? Yes. Progressive says liability-only motorhome policies start at $125 a year. That meets the legal requirement but pays nothing toward damage to your own RV, and a lender will usually require comprehensive and collision coverage on a financed rig. The Bottom Line A Utah RV policy averages $878.32 a year for a motorhome and $377.56 for a travel trailer, but published ranges run from $200 to $3,500. The number that matters is yours. It depends on what you own, how the policy pays out, and whether your auto and home policies already do part of the job. Get those three things straight and the rest is just comparing quotes. Own an RV or shopping for one? Call The Insurance Center at (801) 622-2626 or get a free quote at InsuranceCenterUT.com. We'll price it across carriers and check what your auto and home policies already cover. Sources Progressive, Utah RV Insurance Roamly, RV Insurance in Utah HomeGuide, How Much Does RV Insurance Cost? Utah Code 31A-22-304 State Farm, Understanding Utah's New Auto Liability Coverage Law Utah Insurance Department, Outdoor Recreation & Insurance About the Author: Jett Iverson is the Director of Marketing at The Insurance Center, an independent insurance agency serving Northern Utah since 2001. He works alongside licensed agents to help Utah families and businesses understand their coverage options and make confident insurance decisions.

Utah disaster insurance header: what a homeowners policy leaves out, from flood to earthquake.

Utah Disaster Insurance: What Your Homeowners Policy Doesn't Cover

By Shawn Iverson • October 9, 2026

70% of Utah flooding hits outside hazard zones, and homeowners policies skip flood, quake and mudslide. Get the fixes. Call (801) 622-2626.

Key person and buy-sell insurance header: $1M of coverage costs about $100 a month

Key Person and Buy-Sell Insurance: $1 Million of Coverage Costs About $100 a Month

By Shawn Iverson • September 25, 2026

A $1M key person or buy-sell policy on a healthy 40-year-old owner runs about $86-$109/month. See which buy-sell structure fits. Call (801) 622-2626.

Utah General Liability Insurance by Industry: $900 to $25,000+ a Year