Salt Lake City Insurance Group

Salt Lake City Insurance Group Salt Lake City Insurance Group provides top insurance solutions to customers in the Salt Lake City area.

People mix these two up all the time. Collision pays when you hit another vehicle or object: a fender bender, a guardrai...
06/10/2026

People mix these two up all the time. Collision pays when you hit another vehicle or object: a fender bender, a guardrail, a tree. Comprehensive handles almost everything else that can damage your car: hail, fallen branches, theft, vandalism, fire, flooding, broken windshields, and animal strikes.

Both coverages come with a deductible, the amount you pay before insurance kicks in. Common choices range from $250 to $1,000. A higher deductible lowers your premium but means more out-of-pocket when you file a claim.

Here's a quick gut check: if your car is worth $4,000 and your deductible is $1,000, the most you'll see on a total loss is around $3,000 minus depreciation. At some point, the premiums you pay each year stop making sense relative to what the policy can pay out.

We can run the numbers with you. Call today.

One serious lawsuit can erase decades of savings, a paid-off home, and money set aside for college or retirement. The li...
06/08/2026

One serious lawsuit can erase decades of savings, a paid-off home, and money set aside for college or retirement. The liability limits on your home and auto policies usually top out around $300,000 to $500,000. A jury award can sail past that number in a single afternoon.

A personal umbrella policy sits on top of those underlying limits and adds another layer of liability coverage, typically starting at $1 million. The pricing surprises most people: many homeowners pay between $200 and $400 a year for that first $1 million.

If you own a home, have meaningful savings, drive teen drivers, host gatherings, own a pool, or rent out property, your exposure runs higher than you might think. An umbrella is one of the cheapest ways to protect what you've built.

Call us for an insurance quote tailored to your situation.

Did you know that floods are the most common natural disaster in the US? And did you also know that most standard homeow...
06/05/2026

Did you know that floods are the most common natural disaster in the US? And did you also know that most standard homeowners insurance won't pay a dime when one hits your house? Just one inch of water can cause around $25,000 in damage: ruined floors, drywall, appliances, electrical, and personal belongings.

A separate flood policy through the National Flood Insurance Program (NFIP) or a private carrier is the only way to cover it. Most NFIP policies have a 30-day waiting period before they take effect, so buying after a storm is in the forecast is too late.

Here's the thing most homeowners miss: about a third of flood claims come from properties outside designated high-risk zones. Heavy rain, clogged storm drains, and overflowing creeks don't care what your flood map says.

Check FEMA's flood map for your address, then call us for a quote.

Workers' compensation insurance covers employees who are injured or become ill as a direct result of their job. It pays ...
06/01/2026

Workers' compensation insurance covers employees who are injured or become ill as a direct result of their job. It pays for medical treatment, a portion of lost wages during recovery, and rehabilitation costs. In exchange, employees generally give up the right to sue their employer over the injury.

Most states require businesses with at least one employee to carry workers' compensation coverage, though the rules vary significantly by state. The cost depends on the nature of the work, your payroll size, and your claims history. Industries with higher physical risk typically pay more per dollar of payroll than office-based businesses.

Failing to carry required coverage can result in fines, stop-work orders, and personal liability if an employee is injured.

Even in states where it isn't mandatory, it's worth considering. A serious workplace injury can generate medical bills far beyond what most small businesses could absorb, and operating without coverage adds considerable legal exposure.

Want to talk more about this? We’re here to help! Call today.

Collision and comprehensive coverage both protect your vehicle, but they apply to very different situations.Collision co...
05/29/2026

Collision and comprehensive coverage both protect your vehicle, but they apply to very different situations.

Collision coverage pays for damage to your vehicle when it's involved in a crash, whether that's hitting another car, backing into a pole, or rolling into a ditch. Fault doesn't factor in. What matters is that your vehicle made contact with something.

Comprehensive applies to losses that don't involve a collision: theft, vandalism, hail, flooding, fire, or hitting a deer. Anything that damages your car outside of a crash typically falls under comprehensive.

Both come with deductibles you pay before your insurer covers the rest. Whether either coverage is worth carrying depends on your vehicle's value. If your car is worth $3,000 and your deductible is $1,000, the most you'd collect after a total loss is $2,000.

Running those numbers on your own vehicle is a reasonable exercise, especially if you're driving an older car.

Contact us today so we can help.

When you file a homeowners insurance claim, how much your insurer pays depends on how your policy values your property. ...
05/27/2026

When you file a homeowners insurance claim, how much your insurer pays depends on how your policy values your property. The two most common methods are replacement cost and actual cash value, and the difference can be significant.

Actual cash value pays what your damaged or stolen property was worth at the time of the loss, accounting for depreciation. If your five-year-old television gets stolen, you'd receive what that model sells for used today, not what a new one costs.

Replacement cost coverage pays what it actually costs to replace the item with a new one of similar kind and quality. The same stolen television would be replaced at current retail price.

Replacement cost policies carry higher premiums, but the gap between what you receive and what you actually spend is much smaller when something goes wrong. It's worth understanding before assuming your coverage will make you whole after a loss.

Have questions? Give us a call to learn more.

A Business Owner's Policy, commonly called a BOP, bundles general liability and commercial property insurance into a sin...
05/25/2026

A Business Owner's Policy, commonly called a BOP, bundles general liability and commercial property insurance into a single package. For small and mid-sized businesses, it tends to be more cost-effective than purchasing each type of coverage separately.

The general liability portion covers third-party claims related to bodily injury, property damage, and advertising injury. The commercial property portion covers your building, equipment, and inventory against fire, theft, vandalism, and certain weather events.

Many BOPs also include business interruption coverage, which helps replace lost income if you're forced to temporarily shut down after a covered loss. If a fire damages your office for two months, business interruption can help cover payroll and rent during that period.

Not every business qualifies. Eligibility depends on your industry, the size of your operation, and your revenue.

It's worth asking your agent whether a BOP covers your needs or whether your industry requires a different structure entirely—call now to find out!

A personal umbrella policy is extra liability coverage that sits above your standard homeowners and auto insurance. Once...
05/23/2026

A personal umbrella policy is extra liability coverage that sits above your standard homeowners and auto insurance. Once you exhaust the liability limits on those underlying policies, an umbrella kicks in to cover the rest (usually starting at $1 million).

Liability claims can get expensive faster than most people expect. A serious car accident injuring multiple people, a lawsuit after a guest is badly hurt at your home, or a personal defamation claim can all generate costs that standard policies weren't built to handle on their own.

Umbrella coverage also tends to be broader than homeowners or auto liability, often covering situations those policies exclude.

For the amount of protection provided, umbrella policies are relatively affordable, usually a few hundred dollars per year for $1 million in coverage. If you own property, have considerable assets, or simply want a stronger safety net, a personal umbrella is one of the more cost-efficient ways to extend your protection.

Even with solid auto insurance, you can end up in a difficult financial situation after an accident if the other driver ...
05/22/2026

Even with solid auto insurance, you can end up in a difficult financial situation after an accident if the other driver is uninsured or doesn't have enough coverage to pay for your damages.

Uninsured motorist coverage steps in when you're hit by a driver who carries no insurance. Underinsured motorist coverage applies when the at-fault driver has insurance, but their limits aren't enough to cover your medical bills or vehicle damage.

Estimates from the Insurance Information Institute suggest roughly 1 in 7 drivers on American roads is uninsured. In some states, the percentage is higher.

Some states require uninsured motorist coverage, while others make it optional. Even where it isn't mandatory, it tends to be relatively affordable to add to an existing policy.

Medical bills after a serious accident accumulate quickly, and collecting from an uninsured driver out of pocket is often extremely difficult. It's one of the more practical protections you can add to your coverage.

Address

50 W Broadway Ste 331
Salt Lake City, UT
84101

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+18016796042

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