Insurance Services | Utah

Business Insurance
Made Simple

What risks are you facing? We help you understand your options and choose personal and business insurance coverage that fits your situation — with clear explanations and practical guidance.

Request a Quote Our Services
Local
Utah-Based Agency
Multiple
Carrier Options
Focused
Risk Protection
Valley Insurance Heber City
What We Do

Insurance Services

We match coverage to your needs by explaining risks first, then outlining practical insurance solutions.

Business Auto Insurance

Includes Business Auto Telematics, Fleet Insurance, and coverage for commercial vehicles.

Liability & Umbrella

General Liability, Commercial Umbrella, Liquor Liability, and Excess protection options.

Property Insurance

Commercial Property, Flood, Earthquake, Hurricane, and Builders Risk coverage.

Professional & Management

Directors & Officers, Errors & Omissions, Employment Practices, and Fiduciary Liability.

Business Coverage

Business Owners Policies, Business Interruption, Workers’ Compensation, and Risk Management.

Specialty Insurance

Cyber Liability, Environmental, Crime, Inland Marine, Systems Breakdown, and Event Insurance.

Bonds & Additional

Commercial Bonds, Surety Bonds, Probate Bonds, Key Person Life, and Vacant Building Insurance.

General Liability Insurance

Protection against third-party bodily injury, property damage, and legal defense costs arising from your business operations.

Umbrella Insurance

Extra liability coverage that extends beyond your existing policy limits, including Commercial Umbrella and Excess protection options.

Contractors Insurance

Coverage for contractors and tradespeople, including tools & equipment, job-site liability, and Builders Risk protection.

Bundle Packages

Combine multiple policies — like General Liability, Property, and Auto — into one streamlined package for simplified management and potential savings.

Business Coverage

Business Insurance for Utah and Idaho Companies

Valley Insurance and Financial Services works with business owners across Utah and Idaho. We look at the size of your business and the work you do, then help you choose coverage for your risks.

Business Owners Insurance

A business owners policy combines common coverages into one package for small and mid-sized businesses. We help you review what is included and add coverage where you need it.

General Liability Insurance

General liability insurance helps protect your business if a customer or third party files a claim related to your operations.

Commercial Umbrella Insurance

Commercial umbrella insurance adds liability coverage above the limits of your other business policies.

Cyber Liability Insurance

If your business stores customer information or relies on online systems, cyber liability insurance can help cover the costs that follow a data breach or cyberattack.

Business Auto Insurance

Business auto insurance covers the cars and trucks your company uses for work.

Contractor Insurance

We offer insurance for contractors in the trades, including carpenters and electrical contractors. Our advisors help you find coverage that fits the work you do on each job site.

Personal Insurance

Insurance for Utah Families

Home and Auto Insurance for Utah Families

We have specialized in home and auto insurance for over 30 years. Our licensed advisors compare home and auto policies from multiple carriers and walk you through your options.

Umbrella insurance adds liability coverage on top of your home and auto policies for clients who want more protection.

Life Insurance

Life insurance helps provide for the people who depend on you. Our team will talk through your goals with you and help you find a policy that fits your family and your budget.

Our team
Who We Are

About Valley Insurance Heber City

We are an independent insurance agency serving Heber City and surrounding Utah communities. Instead of offering a single provider’s products, we compare multiple options to help you find appropriate coverage.

Our process is simple: we start by understanding your risks, then explain policy choices in clear terms so you can make informed decisions without pressure.


As an independent agency, Valley Insurance and Financial Services represents several insurance carriers, including Nationwide and Progressive. That means we can compare coverage and pricing from more than one company and recommend the option that fits you best. When your needs change, we can review your policies and look at other carriers without you having to start over somewhere new.

  • Independent Approach

    We review multiple carriers to match coverage to your needs.

  • Clear Explanations

    We break down policies so you understand what is covered and what is not.

  • Consistent Communication

    We keep you informed from initial quote through policy changes.

  • Practical Guidance

    We focus on risk protection and compliance, not unnecessary coverage.

What People Say

Client Feedback

Reach Out

Contact Valley Insurance Heber City

Phone

(435) 654-0277

Address

160 S 100 W
Heber City, UT 84032

Hours

Mon – Fri: 9:00 AM – 5:00 PM
Sat: By Appointment
Sun: Closed