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  2. Fundamental Commercial Protection Protections designed for UT Firms
  Essential Policies
  Standard Accountability Protection: Provides for third-party personal trauma, real estate destruction, plus promotional harms (such as patron slips inside the business). Standard Utah costs: $300 to $600 per year .
  
  Corporate Real estate Insurance: Secures tangible business premises—establishments, inventory, machinery—protecting against blaze, robbery, and/or weather-related calamities.
  
  Employee Comp: Required covering UT employers, including treatment costs as well as lost pay resulting from job-related incidents .
  
  Business Auto Protection: Compulsory for fleet trucks, including higher liability ceilings recommended for company cars.
  
  Industry-Specific Add-ons
  Specialized Responsibility (Faults & Oversights): Crucial for advisors, tech agencies, plus support companies experiencing professional misconduct lawsuits .
  
  Enterprise Owner Policy (BOP): Combines liability plus building policy offering reduced prices—great suited to modest through moderate companies .
  
  Inland Shipping Insurance: Protects tools and equipment while in transport, crucial applicable to construction workers in addition to skilled workers .
  
  Internet Accountability: Defends due to data hacks—essential protecting enterprises processing client details.
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