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  • Commercial Auto Insurance Minimum Requirements in Utah

    Utah law requires all vehicle owners to cover their registered vehicles with liability and no-fault insurance. This ensures that you can pay for any damages or injuries your vehicle causes. This is also called "financial responsibility."

    Ways to Establish Financial Responsibility

    In Utah you can prove financial responsibility one of two ways:

      • Purchase an insurance policy.
      • Deposit with the state treasurer.

    Determine Whether You Need Commercial Insurance

    If you own a fleet of vehicles your employees drive, it’s clear that you need a commercial auto policy. But if you’re a small-business owner with one or two vehicles, your personal insurance policy might be sufficient.

    When deciding whether to purchase a commercial policy, consider the following questions:

      • How many and what kind of vehicle(s) do you need to insure?
      • How is the vehicle(s) being used?
      • Who drives the vehicle(s)?
      • Who owns the vehicle(s)?

    For example, if you drive your vehicle regularly to meet with clients, deliver goods, or transport people, you most likely need commercial insurance.

    If, however, you are in real estate, social work, or home health and do not regularly transport people, your personal insurance might be sufficient. The same applies for home-based businesses like Avon or Tupperware, unless it is your primary employment and your vehicle use is excessive.

    Here are some additional scenarios where commercial insurance would be appropriate:

      • Your business equipment cannot be removed from the vehicle(s).
      • You or your business picks up and delivers goods and/or people.
      • The coverage limits on a personal auto policy are not high enough.
      • You need to protect your employees when they use your company vehicle(s) or their own vehicles on company time.

    Determine the Required Amount of Coverage

    When shopping for commercial insurance, you will need to know the following:

      • Who owns the vehicle(s)
      • How much the vehicle(s) weighs
      • How the vehicle(s) is used
      • Required insurance minimums

    Utah requires two types of auto insurance: Liability and Personal Injury Protection (PIP).

    Purchase a Commercial Policy

    You have plenty of options when shopping for a commercial policy. Many private vehicle insurance providers also offer commercial vehicle insurance, and there are some companies that deal exclusively in commercial coverage. As with any insurance, you might want to consider purchasing more coverage than the minimum required by law.

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