Utah’s tow-specific certification rule splits liability by move type, not weight: $750,000 per occurrence for emergency moves and $1,000,000 for non-emergency moves. The state sets no on-hook, garagekeepers, or cargo minimum.
Law: Utah Admin. Code R909-19-5(1), R909-19-3(4) · R909-19-5(3), R909-19-5(2); R909-19-10; 49 CFR 390.19 (per UDOT)
Weight / class variation: Liability split by emergency vs. non-emergency moves (R909-19-5(1)), not by tow type or GVWR. Older 'police-generated' phrasing is superseded.
Utah tow-specific certification rule (UDOT, Utah Admin. Code R909-19). R909-19-5 sets the liability split by emergency vs. non-emergency moves — the older 'police-generated' phrasing on UDOT's summary page is not the rule's text. No UT on-hook, garagekeepers, or cargo minimum in R909-19 or UDOT certification materials (confirmed absence). Related but distinct: 2026 H.B. 336 / § 31A-22-324 requires motor carriers (the recovered vehicle's carrier) to carry a $40,000 recovery-operation endorsement for nonconsent police-generated recoveries — an obligation on the vehicle owner's carrier, not a tow-operator coverage minimum. Verified 2026-10-14: all fields resolved (figure or confirmed absence).
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Message us on Messenger Typically responds within 15 minutes during business hours. Prefer to talk now? Call · Text Get a quote for Utah →Independent-contractor test: Statutory four-element IC definition, Utah Code § 34A-2-103(2)(b)(i).
Not required doesn’t mean not liable: if you don’t carry workers’ comp — even where it isn’t required for you — an injured worker may be able to sue you in court instead of being limited to comp benefits, because the exclusive-remedy shield generally depends on having coverage.
Minimums are the legal floor, not a recommendation — most operators carry more. Your operation (light-duty, heavy-duty, repo, rotation, motor club) decides which coverages fit. Take the coverage quiz →
Rotation is a local contract, not state law. Rotation agreements commonly require auto liability around $1,000,000 CSL, on-hook/cargo $50,000–$100,000, garagekeepers $50,000–$500,000, and the agency named as additional insured — check your agency’s agreement for its exact terms. Rotation readiness checklist →
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Informational only — not legal advice and not a quote. Requirements change — confirm the exact limits with your state DOT / public utilities commission and your rotation agreement before you buy. Minimums are the legal floor, not a recommendation — most operators carry more.