Welcome to the Utah Property & Casualty Insurance Guaranty Association (UPCIGA) website. We hope you find this site useful in providing information regarding the purpose of the guaranty association and how it protects Utah policyholders and claimants in the event of an insurance company insolvency.


UPCIGA is a statutory entity that was created in 1971 following the enactment of the Utah Insurance Guaranty Act by the Utah legislature.

The guaranty association is composed of all insurers licensed to sell property and casualty insurance in the State of Utah. In the event that a member insurer is found to be insolvent and is ordered to be liquidated by a court, the Utah Insurance Guaranty Association Act enables the guaranty association to provide benefits on Utah covered claims up to the limits spelled out in the Act.

The Association is not an insurer, does not provide replacement coverage and is not the legal successor to the insolvent insurer. The Guaranty Association statute provides for a limited form of protection, and not everyone will be placed in the same position they would have been had the insurance company remained solvent.