Impact Insurance Solutions · Kaysville, Utah
Utah contractor insurance, mapped in plain English.
Impact Insurance Solutions is a Kaysville, Utah commercial insurance agency for contractors and construction companies. We place and manage general liability, workers comp, business auto, umbrella, builders risk, and bonding for Utah GCs, builders, and specialty trades.
Every account runs through the Impact Method: your exposures written down, your coverage mapped against your contracts, and every service request tracked from intake to resolution.
Who we work with
Who Impact Insurance Solutions works with.
- General contractors and builders: residential, commercial, and civil.
- Specialty trades: HVAC, electrical, plumbing, roofing, excavation, and other construction trades.
- Multi-state work: Utah-based contractors with jobs in Idaho, Nevada, Wyoming, Colorado, and Arizona.
- Every size: companies of every size, from a few employees up.
Coverage lines
The coverage Utah contractors usually need.
| Line | What it does for a contractor |
|---|---|
| General Liability | Third-party bodily injury and property damage from your work, including completed operations. |
| Workers Compensation | Medical costs and lost wages for injured employees; required for most Utah employers from the first hire. |
| Business Auto | Liability and physical damage for trucks, service vans, and hired or non-owned vehicles. |
| Umbrella / Excess | Extra liability limits above GL, auto, and employer's liability, often required by contracts. |
| Builders Risk | The project itself while it is under construction. |
| Bonding | Bid, performance, payment, and license bonds; a guarantee to the project owner, not insurance for you. |
Which lines you need depends on your operations and your contracts. If a line doesn't fit your business, we'll say so.
How we work
Two ways to work with us.
| Standard Placement | Managed Program | |
|---|---|---|
| Best for | Contractors with straightforward core-line needs | Growing contractors with layered risk, many contracts, and multiple lines |
| Exposure review and coverage map | Yes | Yes |
| Marketed to multiple carriers, with the quote path shown | Yes | Yes |
| Certificates and service requests tracked | Yes | Yes |
| Early renewal review | Yes | Yes |
| All lines designed as one program | — | Yes |
| Contract and certificate requirement review | — | Yes |
| Mid-term check-ins as you grow | — | Yes |
| Claims advocacy | — | Yes |
The Impact Method
Seven stages, all of them visible to you.
- Discover. We review your operations, contracts, growth plans, and loss history, and write down your exposures.
- Map. We map your current coverage against those exposures and contracts, and flag gaps, overlaps, and mismatches in plain English.
- Structure. We design the program: lines, limits, deductibles, and alternative-risk options where they fit.
- Market. We submit to the carriers that fit your risk and show you which markets quoted and which declined.
- Present. You see the options side by side, with the coverage trade-offs explained, before you decide.
- Service. Certificates, endorsements, audits, and billing questions run through a tracked service pipeline.
- Review. We start your renewal review early so nothing is rushed.
Markets and credentials
Who we place your coverage with.
- Carriers: AmTrust, Berkley Aspire, Berkshire Hathaway Homestate, Employers Mutual Casualty, Geico, Hagerty, The Hartford, Honey Comb, Liberty Mutual, Markel, Mid-Continent, Midwest Family Mutual, Pekin, Pie, Progressive, Selective, Travelers, Utah Business Insurance Company, Avla, and Crum & Forster.
- Surety partners: Avla, Crum & Forster, and Bond Exchange.
- Licensing: Utah agency license #1086924; California agency license #6020380. Verify any agent on the Utah Insurance Department licensee search.
- How we're paid: agents are paid by commission.
Questions
Utah contractor insurance FAQ.
What insurance does a Utah contractor need?
Most Utah contractors carry general liability, workers comp once they have employees, and business auto for company vehicles. Many contracts also require umbrella limits, additional-insured endorsements, and bonds. The right mix depends on your trade, your contracts, and where you work.
Is workers comp required for contractors in Utah?
Most Utah employers must carry workers comp from their first employee. Jobs in other states can need extra coverage or filings; we check that before you start work there. See crews crossing state lines.
How fast can I get a certificate of insurance?
Most certificate requests are handled within 30 minutes or less. Every request is tracked, so you can see its status.
Why use a Utah broker instead of a national brokerage?
You work directly with the people who know your account, your contracts, and the Utah market. A national broker can make sense for very large or multi-country programs; we'll tell you if your needs fit that better.
Do you work with contractors outside Utah?
Yes. We're based in Kaysville and focus on Utah contractors, and we're licensed in Arizona, California, Colorado, Idaho, Indiana, Montana, Nevada, Oklahoma, South Carolina, Texas, Utah, and Washington.
What do you need to quote my business?
Current policies and declarations, five years of loss runs, payroll and revenue by class, a vehicle and equipment list, and sample contracts if you have them.
This page is general information, not advice about your specific situation, and not a quote, binder, or contract. Actual coverage is governed by the terms, conditions, and exclusions of the issued policy.