Commercial auto insurance in Utah

Any Utah company that uses vehicles for business purposes must have commercial vehicle insurance, whether it’s the owner’s personal vehicle or a fleet of vehicles owned by the business.

Your personal auto insurance policy covers you while driving to and from work, but not while making deliveries, picking up supplies, and other work-specific uses.

A business auto insurance policy would cover you and your personal vehicle in case you’re at fault for an accident during a work-related errand.

Any vehicles that you own solely for work purposes must be covered by a commercial auto policy, whether you own a single pickup truck, a food truck, or a fleet of semi-trucks and tractor trailers.

Your business could face legal and financial jeopardy without commercial auto insurance coverage. In Utah, any business that has its own vehicles must at least carry auto liability insurance.

If one of your business vehicles is at fault in an accident, you could find yourself with an expensive lawsuit or settlement. You’d likely have to pay for damage to the other vehicle or property, medical bills, lost wages, pain and suffering, and other related costs.

Additionally, you could face severe penalties for not carrying auto insurance. Driving without insurance in Utah could result in a $400 fine, as well as a suspension of license plates and/or vehicle registration.

All vehicles in Utah are required by law to have a minimum amount of auto liability insurance coverage, whether they’re for personal or business use. These liability limits are:

• Bodily injury liability: $25,000 per person / $65,000 per accident
• Property damage liability: $15,000 per accident
• Personal injury protection: $3,000 per person

Your insurance agency might recommend higher liability coverage limits based on the types of vehicles you own and how they’re used.

In addition, personal injury protection (PIP) insurance is required in Utah. This add-on coverage helps provide medical payments coverage after a car accident, regardless of who was at fault, and is mandated as part of the state's minimum vehicle insurance requirements.

Semi-trucks, tractor-trailers, and other vehicles with a Utah Department of Transportation serial number will have additional liability coverage requirements, depending on the type of vehicle and how it’s used.

You can see if your business needs these additional requirements by checking your USDOT number or docket number with the Federal Motor Carrier Safety Administration.

If you’re using your own vehicle for work-specific activities, your personal auto policy wouldn’t cover you in the case of an accident. That’s why many small business owners purchase hired and non-owned auto insurance (HNOA). This liability policy covers accidents in personal, leased, and rented vehicles used for work purposes.

If you or an employee gets into an accident while driving a personal car for a work errand, your HNOA coverage would help pay for any claims or lawsuits against your business. It’s worth noting that this would not cover damage to the vehicle used by your business.

Insureon makes it easy for business owners to compare quotes for Utah commercial auto insurance. Complete one easy application to review quotes specific to your business and industry from leading U.S. insurers. Our licensed insurance agents will answer any questions and make sure you get the right coverage for your business.