General Liability
The foundation of a commercial program. It responds when your operations injure someone or damage their property, and most leases, contracts, and job specs require it.
Read the guide →Who we work with
Coverage for trades and specialty contractors.
Trades and specialty contractors balancing certificates, bonding, fleet, and crew — all at once.
Every account runs on the same visible process: your coverage mapped in plain English, your pricing explained, and every service request tracked from intake to resolution.
Coverage lines to look at first
Where contractors programs usually start.
Which lines you actually need depends on your operations and contracts. If a line doesn't fit your business, we'll say so.
Workers Compensation
Medical costs and lost wages for employees injured at work, plus employer's liability. Required for most Utah employers, usually from your first hire.
Read the guide →Business Auto
Liability and physical damage for the vehicles your business runs on, including employees driving their own cars on company business.
Read the guide →Umbrella
Extra limits stacked above your general liability, auto, and employer's liability, for the catastrophic claim your primary limits can't absorb.
Read the guide →Bonding
Surety bonds for bid, performance, and payment. A bond is a financial guarantee to the project owner, not insurance for you.
Read the guide →This page is general information, not advice about your specific situation, and not a quote, binder, or contract of insurance. Actual coverage is governed solely by the terms, conditions, and exclusions of the issued policy.
Worth reading
Plain-English guides for contractors.
A certificate is evidence — not coverage
What a COI actually proves, why the endorsement is the part that matters, and what to check every time you collect one from a sub.
Read · 2 min →The subcontractor agreement is an insurance document
Indemnity, additional insured status, waivers, and certificates — how proper risk transfer keeps subs' claims off your loss runs.
Read · 3 min →Premium audits: why they happen, how to prepare
Your policy was priced on estimates; the audit trues them up. What auditors look at, and the records that make it painless — in both directions.
Read · 3 min →