Water Seepage & Leakage Explained

Water Seepage and Leakage is a broad term that describes water damage normally hidden behind a wall or cabinet. This damage occurs over an extended period of time from water that escapes from a water or drainage pipe. Over the…

Ordinance & Law Coverage – How Important Is It?

The best way to describe an Ordinance & Law loss is that it’s a consequence or result of a covered loss. A few years ago an apartment owner insured with our agency had a fire in his apartment building that…

Handyman License & Insurance Requirements in Utah

Everyone appreciates a good handyman and when you can assure your clients that you are licensed and insured they will feel even more confident using you and referring you to others. Here are the requirements for a handyman license in…

Work Comp Waiver in Utah

All Utah employers are required to provide workers compensation coverage for their employees. There is however an exception to this law and it’s for individuals or certain companies with no employees. These individuals or companies can “waive” their right to…

Many Utah Homeowners Are Underinsured

It’s no secret that construction costs have gone through the roof, literally! One lesson the insurance industry has learned from the Marshall Fire on December 31st 2021 is that many homes were underinsured, up to 2/3!! We are not surprised,…

What is Gap Insurance?

On occasion we receive calls asking about gap insurance so we wanted to take the opportunity to explain the coverage. Gap Insurance only comes into play if a car has been totaled in an auto accident. Gap Insurance pays for…

Does Utah have an Over Insurance Law?

The answer is no, Utah like Idaho and a few other states does not have an over-insurance statute, yet. A Utah Over Insurance statute has not been necessary because many states already have Over Insurance statutes and the mortgage companies…

What’s The Average Dog Bite Claim in Utah?

The average settlement for a dog bite claim across the United States is about $40,000 according to the Insurance Information Institute. In Utah its much lower than that and states like California bring the average way up with an average…

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