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A plain ceramic kettle has a hairline fracture that sends an oversized jagged shadow toward a waiting cup.Illustration for The General Average

Product Liability in Utah

Utah requires a product-liability action within two years after the claimant discovered or reasonably should have discovered both the harm and its cause. State law also bars contract terms requiring a purchaser or end user to indemnify, hold harmless, or defend a product manufacturer.

What Is Product Liability Insurance?

Product liability can cover claims that a product you make, import, distribute or sell injured someone or damaged property. If your business handles products, describe every role in the supply chain and ask how the quote treats product damage and recall costs. Read the national Product liability guide.

What Should You Watch for With Product Liability Insurance in Utah?

Track when both harm and cause were discoverable
Utah’s two-year period starts when the claimant discovered or reasonably should have discovered both harm and its cause. Keep incident, diagnosis, product inspection, and causation-investigation dates; do not treat first sale as the filing-period trigger. ¹
Check who first sold the product and its condition
Utah requires the defect to exist when the product was sold by the manufacturer or other initial seller. Preserve the initial-sale configuration, component provenance, and evidence of later changes or repairs. ¹
Review indemnity language in customer terms
Utah makes void certain sales-contract clauses requiring a purchaser or end user to indemnify, hold harmless, or defend a product manufacturer. Have counsel review customer terms and supplier agreements separately; the statute does not establish what your liability policy will pay. ²

Which Product Liability Insurance Providers Have Utah License Records?

These providers publish a national listing for Product liability; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Utah. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Vouch
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch Specialty Insurance Services, LLC
Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. ¹⁷
Vouch lists product liability among the core coverages in its technology-company programs.

Who Regulates Insurance in Utah?

Utah Insurance Department

The Utah Insurance Department regulates licensed insurance companies and producers, offers a public licensee search, and accepts complaints about property/casualty insurance. Complaint jurisdiction depends on policy type and place of issue; employer self-funded plans are outside the Department’s authority. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint

Surplus-Lines Tax and Stamping Office in Utah

Reported tax rate. 4.25% of gross premium including policy fees, plus 0.18% stamping fee ^6,^7,^8,^9,¹⁰

For Utah-home-state surplus-lines coverage, Utah charges 4.25% of gross premiums including policy fees, less returned premiums, and the Surplus Line Association of Utah collects a 0.18% stamping fee. Utah law requires a policy notice that the nonadmitted insurer is not protected by any Utah guaranty association; the state’s current guidance says a good-faith admitted-market effort is generally required unless the coverage is on the export list.

Surplus Line Association of Utah

What Should You Ask Before Buying Product Liability Insurance in Utah?

Which entities design, import, manufacture, label, distribute, install, or sell our products in Utah?
What product dates, warnings, warranties, and change records should we preserve for claims in Utah?
How do the policy’s product wording, reporting terms, and defense provisions apply when a claim involves several product-chain businesses?

Product Liability Insurance in Utah: Frequently Asked Questions

What must a Utah claimant discover before the two-year clock starts?

The claimant must discover, or through due diligence reasonably should discover, both the harm and its cause. ^1,²

Which product-sale terms does Utah void as against public policy?

Section 78B-6-707 voids certain terms requiring a purchaser or end user to indemnify, hold harmless, or defend a product manufacturer. ²

Sources

17 documents, numbered as cited. Open the sources

Sources for Product Liability Insurance in Utah

1
Utah Code §§ 78B-6-706 and 78B-6-707. Utah legislature / statutes; Two-year discovery deadline and rule voiding certain purchaser/end-user manufacturer indemnity clauses. Accessed 2026-09-29.
2
Utah Code § 78B-5-818. Utah Legislature; Comparative fault allocation; relevant to product alterations and allocation among actors. Accessed 2026-09-29.
3
utah insurance regulator. State insurance regulator; Official department pages identify consumer, licensee-search, complaint, and regulatory services. Accessed 2026-09-28.
4
Utah Insurance Department Licensee Search. State insurance regulator; Official search provides public contact information and verifies agent or agency licensing status. Accessed 2026-09-28.
5
Utah Insurance Department Complaints. State insurance regulator; Accepts most P&C complaints and specifies exclusions and complaint-channel limits. Accessed 2026-09-28.
6
Utah Code §31A-3-301. Utah Legislature; Effective October 14, 2025; 4.25% of gross premium including fees; cancellation/return premium deductions and statutory exclusions. Accessed 2026-09-28.
7
Utah Code §31A-3-303. Utah Legislature; §31A-3-301(4): premiums for surplus-lines insurance are taxable in full when Utah is the home state; subject to §31A-3-305 interstate allocation agreements for multistate risks. Accessed 2026-09-28.
8
Excess & Surplus Lines Insurance. Utah Insurance Department; Current FAQ: tax 4.25% of gross premiums including fees; stamping fee 0.18%; SLA Utah is stamping office; submission within 60 days. Accessed 2026-09-28.
9
Utah Code §31A-15-103(8)(c). Utah Legislature; Surplus-lines policy must contain statutory notice that the insurer is not licensed and receives no protection from any guaranty associations under Title 31A, Chapter 28. Accessed 2026-09-28.
10
Excess & Surplus Lines Insurance. Utah Insurance Department; Current surplus-lines guidance: good-faith effort to place with admitted insurer is general rule; export-list coverage does not require diligent search, while off-list coverages require normal search procedures. Accessed 2026-09-28.
11
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
12
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
13
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
14
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
15
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
16
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
17
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Product Liability in Utah

What Is Product Liability Insurance?

What Should You Watch for With Product Liability Insurance in Utah?

Track when both harm and cause were discoverable

Check who first sold the product and its condition

Review indemnity language in customer terms