Industry
Contractors
Finished work that comes back years later, and the exact coverage your contracts demand.
All trades →
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Declined → Placed
Commercial & Specialty Insurance for Utah Businesses
Most certificates issued same day
Industries
We know these by their exposures
Each of these operations carries a risk that standard commercial policies exclude or sublimit.
All industries →
ContractorsFinished work, tools, proof from subs
GreenhousesStock, glass, heaters, lost crops
Treatment centersThe three claims a basic policy leaves out
Bars & tavernsAlcohol, late nights, live music
Tattoo parlorsBad reactions, infections, guest artists
Garages & repair shopsCustomers’ cars, tools, test drives
RestaurantsKitchen fire, spoilage, liquor, delivery
TruckingFreight, trailers, filings handled here
Special eventsOne-day cover, alcohol, cancellation
Coverage
Commercial lines and specialty placement
Commercial first, surplus lines when the admitted market declines, and personal lines for the household behind the business.
All commercial coverage →Commercial lines
Commercial autoFleets, vans, hired & non-owned
General liabilityThird-party injury and damage
Business owners policyProperty and liability bundled
Workers' compensationUtah requirements and audits
Commercial propertyBuildings, contents, business income
Commercial umbrellaExcess limits over primary
Inland marineTools, equipment, property in transit
Employment practicesWrongful termination, harassment
About
Independent, and local to Salt Lake
Fifteen markets and no reason to prefer any of them.
Contact us →Commercial and specialty insurance in Salt Lake City, Utah
01 Industries we serve
Industries we cover
Nine trades we write every week, each with a risk standard policies leave out.
02 Exposure check
What your policy misses
Pick your trade. Lit rows are covered. Dim rows are where claims land uninsured.
Close the gaps to see what we’d build instead.
4/11
Covered by a standard business policyUse the button below to see the full placement.
Seven exposures left open.
Serving all of Utah
Serving businesses across Utah
Fleets on I-15, crews on the Wasatch Front, kitchens, garages and greenhouses. We have written these trades for years, so we know what goes wrong in each.
15Carrier markets
10+Specialty industries
E&SSurplus lines access
Same dayMost certificates
03 Coverage
Coverage we place
Most businesses need three or four of these. We’ll tell you which.
Commercial lines
All commercial →
Commercial autoFleets, service vans, hired and non-owned
General liabilityThird-party injury and property damage
Business owners policyProperty and liability in one policy
Workers' compensationUtah requirements, subs, and audits
Commercial propertyBuildings, contents, business income
Commercial umbrellaExcess limits over your primary policies
Tools & equipmentGear on site, in the van, and in transit
Employment claimsWrongful firing, harassment, discrimination
Specialty & E&S
All specialty →Personal lines
All personal →
04 Excess & surplus lines
Risks that are hard to place
Insurers only write the trades on their list. Everything else comes to us.
Why insurers say no
A loss in the last 3 years
A prior cancellation
What you do
A fight on the premises
No operating history
Young drivers
What we do about it
We build the fileClaims history, how you operate, the story behind a bad year.
We work the marketStraight to the insurers who write your trade on purpose.
We bring back optionsPrice, commitment, and what the policy leaves out.
Specialty insurers sit outside the state safety net and carry a small state tax. We use rated companies only, and we tell you before you sign.
05 Contract decoder
What your contract requires
A real clause from a subcontract. Tap any highlighted term to see what it means.
Exhibit C: Insurance requirementsSample
Article 11: Insurance
11.1 Subcontractor shall procure and maintain , including coverage for maintained for a period of not less than three (3) years following final completion.
11.2 Contractor, Owner, and their officers and employees shall be named as on a basis. Subcontractor shall provide a in favor of the parties named above.
11.3 Subcontractor shall maintain , and following form over the policies above.
11.4 Certificates evidencing the above shall be furnished prior to commencement of the Work and shall provide to the Contractor.
0 of 8 terms decoded
Start here
Tap a highlighted term
Eight requirements are buried in this clause. Most contractors sign it without knowing that two of them require endorsements their policy doesn't automatically include, and one is something many carriers will no longer issue at all.
Have a contract in front of you? Send us the insurance page and we’ll tell you what it costs to meet, before you sign.
Request a quote
Submissions
How we get a yes
Most turndowns come down to a thin file that left the insurer guessing. We put the full picture together first, before anyone has a reason to say no.
06 Why independent
Why independent matters
One company’s agent has one company’s products. We have fifteen.
Fifteen markets, one application
Tell us once. We take it to fifteen insurers and bring back what fits.
We read the contract first
Send us the insurance page before you sign. We’ll tell you what it costs.
A decline isn't the end
A turndown is the starting point. We reach insurers most agents can’t.
We're there at the claim
You call us, not a queue. We work the file until it closes.
07 Service center
Already insured with us?
Handle it here instead of waiting on hold.
Proof of insurance
Need proof of insurance before the job starts?
Send us the insurance page and we’ll match it exactly, not a generic copy you have to send back.
Most issued same day, Mon to Fri
What you're actually buying
Coverage that responds
Anyone can quote a price. The wording behind it only shows up the day you file. We read it before you buy, so nothing surprises you then.
08 Carrier access
Carriers we represent
Every carrier with its claims number and payment portal on one page.
Our carriers
Contact us
Plus surplus lines placement when the admitted markets decline. How E&S works →
09 The agency
About the agency
A small shop by choice. You deal with the same person from quote to claim.
10 Client results
What clients say
Utah businesses we placed, in their own words.
Google
Over the years, their stellar service has been instrumental in safeguarding our operations… Their expertise in managing our insurance for our large fleet of vehicles, cargo insurance, general liability etc. has been nothing short of miraculous.
Miracle MoversFleet & cargo
Google
Ryan is really way ahead of any problems you’re going to have with your insurance. And isn’t that really the purpose of having a good agent?… A great risk manager can keep the problems from happening, and that’s exactly what Ryan is.
Carl R.Commercial & workers’ comp
Google
Navigating insurance is difficult. Ryan at All Risk Managers Insurance has redefined the typical insurance experience. His knowledge, professionalism, and integrity make him an easy choice for my auto, home, and business insurance.
Jordan B.Business, auto & home
Google
I have been with All Risk Managers for 8 years. Hands down the best insurance agents I’ve ever had… When I first switched, they got my insurance premium down from over $300 a month to under $90. I’ll never forget that.
Sarah T.Eight years with the agency
Google
All Risk Managers has supported my family for all of our home & auto needs for the past 8 years… always responsive to any questions or concerns and help us understand and find the best options for coverage.
Rose G.Home & auto
Google
RJ is passionate about supporting our family member’s insurance claim. There was a flood & it required filing a claim unfortunately. Dealing with RJ has been helpful. Thanks RJ for your responsiveness.
Amy C.Flood claim
11 Get started
Tell us about your business
We’ll tell you what it takes to cover it. No obligation.
Step 01
Send us the basics on your operation.
Step 02
We shop it and walk you through the options.
Step 03
Bind the coverage that fits.
Request a quote
Takes about a minute
Submitting a request does not bind coverage.