Bond and insurance by trade in Utah
TradeBondInsuranceWorkers' comp
General contractorNo set license bond.1General liability insurance of at least $1,000,000 per incident and $2,000,000 total, with the Division of Professional Licensing (DOPL) listed as certificate holder.2With employees: a workers compensation certificate naming DOPL as certificate holder, plus Utah withholding tax and unemployment registrations.2
ElectricalAsk DOPLGeneral liability insurance of at least $1,000,000 per incident and $2,000,000 total, with DOPL as certificate holder.2Workers compensation certificate if you have employees.2
Bond and insurance rules for roofing: check with Utah DOPL.
How much is the contractor bond in Utah?
No set license bond. Applicants show financial responsibility by signing a financial questionnaire, or by posting a bond in an amount the division sets. The division can require a bond later if a business owner's finances fall short.1
Can a Utah contractor be exempt from workers' comp?
With employees: a workers compensation certificate naming DOPL as certificate holder, plus Utah withholding tax and unemployment registrations. Without employees: a Workers Compensation Coverage Waiver from the Utah Labor Commission.2
What is a certificate of insurance?
It's the one-page summary (usually an ACORD 25 form) a contractor's agent issues to show the policies, limits and dates in force. How to read and check one
Sources
- Utah DOPL: bond (le.utah.gov, 2026-10-27)
- Utah DOPL: insurance (commerce.utah.gov, 2026-10-27)