Utahcontractor insurance & bonding requirements
Updated April 2026 · Source: UT DOPL Construction Services Commission §58-55
Minimum requirements
- General liability
- $500,000
- Workers' comp
- Required for crews
Licensed general contractors in Utahcarry commercial insurance so that if a crew member gets injured on-site, a homeowner's appliance is damaged during demo, or a neighboring property suffers an impact from construction, the contractor's policy (not the homeowner's) pays the claim. AskBaily does not match homeowners to contractors below these minimums.
E100 Residential Contractor license. Financial statement ≥$50K net worth; no bond.
Common questions
What insurance does a Utah general contractor need?
A Utah general contractor needs at minimum $500,000 general liability coverage. Workers' compensation insurance is required for crews. Per UT DOPL Construction Services Commission §58-55.
How much is the surety bond for Utah contractors?
Utah does not require a state-level surety bond for general contractors. E100 Residential Contractor license. Financial statement ≥$50K net worth; no bond.
Who is the licensing authority in Utah?
UT DOPL Construction Services Commission §58-55 is the authority for Utah contractor oversight. Public license lookup is available at https://dopl.utah.gov/.
How does AskBaily verify contractors in Utah?
AskBaily runs automated verification against UT DOPL Construction Services Commission §58-55 before a contractor is matched to a homeowner project. The pro's license number is validated live at signup.
What happens if a contractor doesn't carry the required insurance?
Underinsured contractors are removed from the AskBaily match pool immediately. A homeowner who hires an unlicensed or underinsured contractor in Utah can lose the right to mechanic's lien protection, may be held liable for on-site injuries, and forfeits protection under UT DOPL Construction Services Commission §58-55. That's why AskBaily's policy is to match only verified pros.
Nearby jurisdictions
AskBaily cities in Utah
Homeowners in these cities can chat with Baily today; matched pros must meet the requirements above.
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