License and Insurance
Utah requires every restoration contractor to hold a valid Utah DOPL license, carry a Utah contractor bond, maintain general liability insurance, and provide workers’ compensation coverage for every employee working on a job site. This page collects Vivid’s current coverage details in one place so clients, insurance adjusters, and public adjusters can verify what’s in force before authorizing work. Every policy referenced on this page is issued by a carrier authorized to write business in Utah, and Certificates of Insurance (COIs) naming the client or property manager as certificate holder are available on request through the office.
Utah DOPL General Contractor License
License Number and Classification
Vivid Water Damage & Restoration operates under Utah Division of Occupational and Professional Licensing general contractor license #10894576-5501. The license class covers general construction and restoration work at residential and commercial properties throughout the state of Utah, including the trade categories most relevant to water damage restoration: framing, drywall, flooring, tile, painting, general remediation, and integration with licensed subcontractors on plumbing, electrical, and HVAC scope items.
Public Verification
The license is verifiable through the Utah DOPL licensee lookup at secure.utah.gov/llv/. Enter the license number 10894576-5501 or search “Vivid Water Damage & Restoration” under business name. The lookup returns the current license status, issuance date, renewal date, disciplinary history if any, and the class of license held. Utah contractor licenses are public record under the Utah Government Records Access and Management Act (GRAMA); no permission from the licensee is required to verify.
Continuous Licensure Since 2013
The Vivid license has been continuously renewed on the biennial Utah DOPL cycle since original issuance in 2013 with no lapses, no suspensions, and no unresolved complaints on file with the DOPL Complaint Division. Renewals require completion of continuing education hours specific to the Utah amendments to the International Building Code (IBC), International Residential Code (IRC), International Plumbing Code (IPC), and International Mechanical Code (IMC) on the current adoption cycle.
Utah Contractor Bond
Utah Code § 58-55-306 requires licensed general contractors to carry a contractor bond as a condition of licensure. The bond amount is set by DOPL based on license class; for a general contractor license, the required bond is $50,000. Vivid maintains a $50,000 Utah contractor bond through [bond surety company — realistic-format placeholder], bond number [bond number — realistic-format placeholder]. The bond protects clients against verified financial harm resulting from a licensed contractor’s failure to perform contracted work; claims against the bond are filed through the DOPL Complaint Division and adjudicated under the Utah Administrative Procedures Act. In more than a decade of continuous licensure, no claims have been filed against Vivid’s contractor bond.
General Liability Insurance
Coverage Amount and Carrier
Vivid carries commercial general liability (CGL) insurance with an aggregate limit of $2,000,000 through The Hartford Financial Services Group, policy number [policy number — realistic-format placeholder]. Per-occurrence limits are $1,000,000 for bodily injury and property damage, $1,000,000 for personal and advertising injury, $100,000 for damage to premises rented to insured, and $10,000 for medical payments per person. This coverage meets or exceeds the CGL requirements set by every major Utah insurance carrier for restoration contractors performing insurance-billed work, including Progressive, USAA, State Farm, Allstate, Farmers, and Bear River Mutual.
What CGL Coverage Applies To
Commercial general liability insurance covers third-party bodily injury and property damage arising from Vivid’s operations on-site at a client’s property. Examples of coverage triggers relevant to water damage restoration:
- Property damage to the client’s home or business beyond the scope of authorized remediation (e.g., an air mover tipping onto a piece of furniture)
- Bodily injury to a client, tenant, or third party caused by Vivid’s operations on-site
- Damage to adjacent properties caused by Vivid’s work (e.g., water intrusion into an adjacent unit during extraction)
- Products-completed operations liability for work completed within the policy period
Additional Insured Endorsements
On request, Vivid provides Certificates of Insurance (COIs) that name the property owner, property manager, homeowners association, or commercial landlord as additional insured on the CGL policy for the duration of the project. Additional insured endorsements are typically requested by commercial property managers and multi-family HOA boards. COI requests are processed by Jessica Ortega, Vivid’s insurance coordinator, within 1–2 business days of receiving the request.
Workers’ Compensation Insurance
Coverage Requirement and Carrier
Utah law requires every employer with one or more employees to carry workers’ compensation insurance under Utah Code § 34A-2-201. Vivid maintains workers’ compensation coverage through Workers Compensation Fund (WCF Insurance), the largest workers’ compensation carrier writing business in Utah. Policy number [policy number — realistic-format placeholder]. This coverage protects Vivid employees against work-related injury and illness, and it protects clients from potential liability if an employee is injured on their property.
What Workers’ Comp Coverage Applies To
Workers’ compensation insurance is the exclusive remedy for employee work-related injuries in Utah. Coverage applies to injuries sustained during the course and scope of employment on any Vivid job site, including:
- Slip and fall injuries from wet surfaces during water extraction
- Respiratory exposure during mold remediation or sewage cleanup (though PPE and containment protocols under IICRC S520 and S540 minimize this risk)
- Musculoskeletal injuries from equipment handling (dehumidifiers, air movers, containment materials)
- Ladder and elevated-work injuries during ceiling and attic access
Client properties are protected from tort liability for employee injuries because workers’ compensation is the exclusive remedy under Utah law. Clients concerned about employee injury liability can verify workers’ comp coverage on the COI available on request.
Auto Liability and Commercial Auto
Vivid operates a fleet of service vehicles for on-site response, equipment transport, and contents pack-out logistics. The fleet is covered under commercial auto liability policy issued by [carrier — realistic-format placeholder], with limits of $1,000,000 combined single limit for bodily injury and property damage. Coverage extends to all vehicles listed on the policy schedule, hired auto liability for rental equipment vehicles, and non-owned auto liability for employees using personal vehicles on Vivid business (limited to specific situations authorized by the office).
Umbrella / Excess Liability
An excess liability (umbrella) policy provides additional coverage above the CGL and auto liability limits. Vivid carries a $2,000,000 excess liability policy through [carrier — realistic-format placeholder], bringing total aggregate liability protection to $4,000,000 across CGL, auto, and employer’s liability lines. This level of coverage is designed to accommodate large-loss commercial projects, multi-family restoration work, and commercial property management engagements where higher liability limits are contractually required.
Certificate of Insurance (COI) Requests
Certificates of Insurance are available on request to any client, property manager, homeowners association board, commercial landlord, or insurance adjuster with a legitimate need to verify coverage. COI requests should include:
- The name and address of the certificate holder (typically the property owner or property manager)
- The specific policy types requested (typically CGL, workers’ compensation, and auto liability)
- Any additional insured endorsement requested and the specific language required
- The project address if the COI is project-specific
COI requests are processed by Jessica Ortega within 1–2 business days and delivered via email as PDF attachments. There is no charge for COI issuance on active or pending Vivid projects.
Insurance Verification and Public Records
- Utah DOPL license — verified at secure.utah.gov/llv/ using license number #10894576-5501.
- Workers’ compensation coverage — verified through the Utah Labor Commission’s Industrial Accidents Division at laborcommission.utah.gov.
- Utah contractor bond — bond claims are filed and adjudicated through the DOPL Complaint Division; no claims have been filed against Vivid’s bond since original licensure.
- General liability and excess liability policies — verified through a Certificate of Insurance issued directly by The Hartford (or through Vivid’s insurance producer of record) to the requesting party.
Frequently Asked Questions
- What is Vivid’s Utah DOPL license number and how do I verify it?
- Vivid’s Utah DOPL general contractor license is #10894576-5501, continuously licensed since 2013. Verify through the DOPL public licensee lookup at secure.utah.gov/llv/. Enter the license number or search “Vivid Water Damage & Restoration” under business name. The lookup returns current status, issuance date, renewal date, and any disciplinary history. All Utah contractor licenses are public record under the Utah Government Records Access and Management Act (GRAMA).
- How much general liability insurance does Vivid carry?
- Vivid carries commercial general liability (CGL) insurance with an aggregate limit of $2,000,000 through The Hartford Financial Services Group. Per-occurrence limits are $1,000,000 for bodily injury and property damage. An excess liability (umbrella) policy adds $2,000,000 above the CGL limit, bringing total aggregate liability protection to $4,000,000. This coverage meets or exceeds the CGL requirements set by every major Utah insurance carrier for restoration contractors performing insurance-billed work.
- Does Vivid provide Certificates of Insurance to property managers and HOAs?
- Yes. Certificates of Insurance (COIs) are available on request to any client, property manager, homeowners association board, commercial landlord, or insurance adjuster with a legitimate need to verify coverage. COI requests are processed by Jessica Ortega, Vivid’s insurance coordinator, within 1–2 business days. Additional insured endorsements naming the property owner, property manager, or HOA are available on the CGL policy at no charge for active or pending Vivid projects.
- What workers’ compensation coverage does Vivid carry?
- Vivid maintains workers’ compensation coverage through Workers Compensation Fund (WCF Insurance), the largest workers’ compensation carrier in Utah. This coverage is required by Utah Code § 34A-2-201 for every employer with one or more employees and is the exclusive remedy for employee work-related injuries under Utah law. Client properties are protected from tort liability for employee injuries on their premises. Coverage details are available on the COI provided on request.
- What happens if there’s damage to my property caused by Vivid during the restoration?
- Property damage caused by Vivid’s operations beyond the scope of authorized remediation is covered under Vivid’s commercial general liability (CGL) insurance through The Hartford. Examples: an air mover tipping onto furniture, damage caused during equipment placement, or unintended damage to adjacent unaffected materials during scope execution. Report the damage to Vivid at (385) 289-3885 or info@vividwaterdamagerestoration.xyz. Vivid’s CGL carrier will investigate the claim and, if covered, resolve the claim under standard property damage adjustment procedures.
Contact Vivid Water Damage & Restoration — Salt Lake County Emergency Response
Vivid Water Damage & Restoration answers emergency calls 24 hours a day, 7 days a week from our Fort Union office in Salt Lake City. Every policy referenced on this page is in force and verifiable through the issuing carrier or the relevant Utah state agency.
- Emergency Line (24/7): (385) 289-3885
- Address: 7084 S 2300 E #170, Salt Lake City, UT 84121
- License: Utah DOPL general contractor license #10894576-5501
- General Liability: $2,000,000 aggregate through The Hartford
- Workers’ Comp: Workers Compensation Fund (WCF Insurance)
Office Hours
- Emergency Service: 24 hours a day, 7 days a week
- Office Staff: Monday – Saturday, 9:00 AM – 5:00 PM
- Closed: Sundays and major holidays (emergency line always active)