Contractors Insurance · Salt Lake City, UT
Contractors Insurance Built for Utah Trades
General liability, completed operations, workers' comp, commercial auto and E&O, quoted across the best carriers for contractors and matched to the exact risks of your trade.
Independent agency · Locally owned · Serving contractors statewide
The best companies for contractors
Independent
We compare carriers instead of selling one.
Trade Experts
Acuity, Auto-Owners, Travelers, United and Midwest Family Mutual.
Local Utah Agency
Third generation, on Redwood Road in Salt Lake City.
Who Needs Contractors Insurance
The Trades That Need Independent Contractors Liability
There are many types of independent contractors, and they all need liability insurance and other coverage matched to their specific risks. A generic business policy leaves gaps for the work you actually do, the right program protects you from lawsuits, mishaps and third-party property damage that can devastate your business.
Salt Lake City, West Valley, Sandy, Provo, Ogden, Lehi, St. George and everywhere in between.
- General contractors
- Plumbers, carpenters, electricians & painters
- Handyman
- Sheetrock & drywall
- Footing, foundation & framing
- Landscaping, janitorial & cleaning
Coverage at a Glance
The Coverages a Contractor Actually Needs
Complete liability protection usually takes a few different categories of coverage. These are the parts of a contractor's program, and what each one is actually for.
- General Liability The foundation
- Bodily injury and property damage you or an employee cause to a third party, including the building or property you are working on. The base of every contractor's program.
- Completed Operations / Products After the job
- Covers you if a project you finished later has an issue or causes damage. Also extends to any products you sell or distribute.
- Business Owners Policy (BOP) Bundle & save
- Bundles general liability with property, business income and more, usually with a discount. Makes sense once you have employees or your own equipment.
- Workers' Compensation Required with employees
- If you employ other workers, Utah most likely requires it. It covers job-related injury, illness or death and lost wages, and helps prevent employee lawsuits.
- Professional Liability (E&O) Your advice
- Protects you if a mistake or the advice you give causes a client a financial loss. Worth it if you consult, design or spec materials, and check that your subs carry it too.
- Commercial Auto Your trucks
- Insures the trucks, vans and specialized vehicles used for the business. A personal auto policy may not respond when the vehicle is being used for work.
What a Generic Quote Misses
Two Quotes With the Same Limits Can Behave Very Differently
Premium is the easiest thing to compare and the least useful. These are the details we read before we tell you anything about price.
- 01 Whether your general liability quietly excludes your primary trade, many policies exclude the exact work you do
- 02 Completed operations, and how long you are covered after a job is finished
- 03 Whether the subcontractors you hire carry their own coverage and name you as additional insured
- 04 The contractual liability and hold-harmless wording your general contractors require
- 05 Tools and equipment, and whether your commercial auto actually covers the work truck
Why Anderson
Why Contractors Work With Us
The contractor's insurance experts at Anderson Insurance Group are among the best in Utah. We are an independent agency in Salt Lake City that helps carpenters, plumbers, handymen, landscapers, framers, roofers and painters compare coverage across the best carriers for contractors and close the gaps before a claim happens.
- Independent. We work for you, not for one carrier.
- Local. A third-generation, locally owned Utah agency in Salt Lake City.
- Upfront. You will know what is covered before you sign, not after a claim.
Find the gaps before a claim does.
Get a quote. No obligation, and you keep the comparison either way.
No Obligation
Get Your Contractors Quote
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FAQ
Frequently Asked Questions
What Utah contractors ask us before a quote.
Do I need workers' compensation insurance?
If you employ other workers, Utah most likely requires it. If you are the owner and only worker, you may be able to get by with a work comp waiver, call us and we will tell you.
Does general liability cover my trade?
Not always, many policies quietly exclude the exact work you do. Checking that your GL responds to your primary trade is the first thing we look at.
Should I consider a Business Owners Policy?
Usually, once you have employees or your own equipment. A BOP bundles liability with property and business income, often at a discount.
Do you only work with contractors in Salt Lake County?
No. We insure contractors across all of Utah.
Coverage descriptions are general and subject to the terms, conditions and exclusions of each policy. Talk to a licensed agent about your specific situation.