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Primary Enterprise Insurance Coverages for the state Companies Basic Plans Standard Liability Protection: Includes non-employee physical injury, real estate destruction, and advertising liabilities (such as customer trips in a store). Usual Utah prices: $300–$600 yearly . Enterprise Real estate Insurance: Protects tangible business premises—establishments, stock, equipment—against flames, theft, or environmental emergencies. Laborer’s Workers' comp: Required required for Utah business owners, including healthcare bills plus unearned pay resulting from work-related harm . Commercial Auto Protection: Necessary applicable to business vehicles, with increased legal responsibility thresholds preferred for multiple vehicles. Specialized Enhancements Professional Accountability (Faults and Neglect): Vital applicable to experts, digital businesses, in addition to service providers experiencing malpractice allegations . Company Owner’s Policy (BOP): Combines obligation in addition to real estate protection featuring lower rates—great applicable to modest through mid-sized firms . Land-based Marine Policy: Includes equipment as well as tools while in transit, essential protecting tradespeople as well as laborers . Digital Responsibility: Defends from information hacks—crucial covering businesses processing customer details.

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