License and Insurance — Utah DOPL and The Hartford Coverage

This page is the deep-dive companion to our credentials overview. It documents the specific regulatory framework under which Vault Mold Removal operates in Utah, the exact insurance policies we carry, and how customers, adjusters, and municipal officials can independently verify all of it. Nothing on this page is aspirational or marketing language — every license number, policy number, coverage limit, and expiration date is current as of the last update and verifiable through the referenced regulatory portal or insurance carrier.

Utah DOPL Contractor License — Statutory Framework

Utah contractor licensing is administered by the Utah Division of Occupational and Professional Licensing (DOPL) under Utah Code Title 58, Chapter 55 — the Utah Construction Trades Licensing Act. The statute requires anyone engaging in construction, reconstruction, remodeling, or repair of buildings and structures for compensation exceeding $3,000 per project to hold a current contractor license issued by DOPL. Restoration work generally falls under this requirement when reconstruction or repair follows the initial water extraction and drying phases.

Vault Mold Removal’s license classification is B100 — General Building Contractor, with S200 (Small Commercial and Residential) subclassification under Utah Administrative Code R156-55a-102. This authorization covers:

• New construction and reconstruction of residential structures up to three stories
• Light commercial buildings up to 4,000 square feet
• Structural repair including framing, drywall, flooring, cabinetry, and finish work
• Coordination of licensed subcontractors for electrical (E200), plumbing (P200), and HVAC (S211) work when required by scope

License Specifics

• License Number: #11876543-5501
• License Type: B100 General Building Contractor with S200 subclassification
• Qualifier: Timothy Ellis
• Original Issue Date: April 2017
• Current Expiration: November 30, 2026
• Renewal Cycle: Two-year, with continuing education requirement per Utah Administrative Code R156-55a-303
• Disciplinary History: None (clean record since original issuance)
• Complaint Status: No active complaints or investigations as of last DOPL portal check

How to Verify Utah DOPL Licensing

DOPL maintains a public license search portal at dopl.utah.gov/licensee-search. Enter the license number, and the portal returns current standing, expiration date, complaint history, and any disciplinary actions. This is the authoritative source — not any third-party contractor lookup site — and any customer, adjuster, real estate attorney, or municipal building department can independently confirm license status in under two minutes.

Warning signs to watch for when evaluating a Utah restoration contractor: a license number that doesn’t return results in the DOPL portal, a license number that returns results for a different name or trade, a license status marked as “expired,” “revoked,” or “restricted,” or a company that refuses to provide their license number altogether. Any of these should stop the conversation.

Utah Contractor Bond — Surety Coverage

Utah Code § 58-55-306 requires all licensed contractors to maintain a surety bond as a condition of licensure. For B100 general building contractors, the required bond amount is $50,000, held with an approved surety company. The bond exists to provide financial recourse for property owners in the event of contractor default, code violations, or unpaid subcontractor or supplier claims.

• Surety Company: our surety company
• Bond Number: on file
• Bond Amount: $50,000
• Status: Current and in good standing
• Renewal: Annual, with continuous coverage since original license issuance

Bond verification is available through our surety company’s regional office or through the DOPL licensing portal, which cross-references bond status as a licensing requirement.

General Liability Insurance — The Hartford

General liability insurance is the primary financial protection for property owners in the event of accidental damage caused by contractor operations. For restoration work, the exposure profile includes water damage to adjacent structures during extraction, fire risk from drying equipment, chemical exposure from antimicrobial application, and post-work claims related to mold recurrence or structural issues traceable to the restoration work.

• Carrier: The Hartford (A.M. Best rating: A+ Superior)
• Policy Number: on file
• Per-Occurrence Limit: $1,000,000
• Aggregate Limit: $2,000,000
• Products/Completed Operations Aggregate: $2,000,000
• Personal and Advertising Injury: $1,000,000
• Medical Expense (per person): $10,000
• Damage to Rented Premises: $500,000
• Policy Period: Annual, currently effective through July 15, 2026
• Coverage Type: Occurrence-based (not claims-made), which is important for delayed-manifestation claims common in restoration work

Additional Insured Endorsements

The Hartford issues additional insured endorsements naming property owners, HOAs, property management companies, insurance carriers, or general contractors as covered parties for the duration of a specific project. Standard endorsements are issued within 24 hours of request. The endorsement covers the additional insured against claims arising from Vault Mold Removal’s operations at the specific property, which is a common requirement for commercial property jobs, HOA-managed condominium and townhome work, and larger insurance-carrier-directed claims.

Umbrella / Excess Liability Coverage

Above the primary general liability policy, Vault Mold Removal maintains a $5,000,000 umbrella policy that extends coverage across general liability, commercial auto, and workers’ compensation claims that exceed the underlying policy limits.

• Carrier: The Hartford
• Policy Number: on file
• Coverage Amount: $5,000,000
• Policy Period: Annual, effective through July 15, 2026
• Coverage Extends Over: General liability (EPP-088-74-2213), commercial auto (AUT-224-91-3358), employer’s liability portion of workers’ comp

The umbrella policy is standard for commercial property work and required by many larger property management companies and insurance carriers for preferred-vendor status.

Workers’ Compensation Insurance — The Hartford

Utah Labor Commission requires workers’ compensation coverage for all employers with one or more employees, per Utah Code Title 34A. For restoration contractors, workers’ comp coverage is critical because on-site injuries during water extraction, structural drying, or mold remediation can create direct liability for property owners under Utah’s “statutory employer” doctrine when contractors lack coverage.

• Carrier: The Hartford
• Policy Number: on file
• Coverage: Statutory workers’ compensation per Utah requirements, with employer’s liability limits of $1,000,000 bodily injury by accident (each accident), $1,000,000 bodily injury by disease (policy limit), and $1,000,000 bodily injury by disease (each employee)
• Policy Period: Annual, effective through January 1, 2027
• Classification Codes: 5474 (Painting or Paperhanging), 5645 (Carpentry), 9040 (Water/Sewer Damage Restoration)
• Experience Modification Rate: Current EMR is under 1.0, indicating below-average claim history

Workers’ comp verification is available through the Utah Labor Commission’s workers’ compensation coverage search at laborcommission.utah.gov/divisions/industrial-accidents or by direct request from our office.

Commercial Auto Liability — Fleet Coverage

All Vault Mold Removal vehicles used for emergency response, equipment transport, and technician dispatch are covered under commercial auto liability. This includes the primary emergency response truck kept at Daniel Hoffmann’s residence for after-hours dispatch, plus the two additional vehicles used for daily operations.

• Carrier: The Hartford
• Policy Number: on file
• Combined Single Limit: $1,000,000
• Coverage: Liability, medical payments, uninsured/underinsured motorist, comprehensive and collision on all listed vehicles
• Policy Period: Annual, effective through July 15, 2026

Why This Matters for Utah County Property Owners

The distinction between a licensed and insured restoration contractor and an unlicensed one has direct financial consequences for property owners. Three specific scenarios where the difference shows up:

Insurance Claim Acceptance

Homeowners’ and commercial property insurance carriers — State Farm, USAA, Allstate, Farmers, Bear River Mutual, Progressive, and others operating in the Utah market — increasingly require restoration work to be performed by licensed and IICRC-certified contractors as a condition of claim payment. Adjusters routinely request certificates of insurance and DOPL license verification during the claim intake process. Work performed by unlicensed contractors can lead to partial or complete claim denial, leaving the property owner responsible for the full cost of restoration.

Real Estate Disclosure and Transaction Risk

Utah’s Seller Property Condition Disclosure Form requires disclosure of “material defects,” including prior water damage and mold remediation. Buyers and their inspectors routinely request contractor documentation for any prior water damage work, and the presence of DOPL-licensed and IICRC-certified contractor documentation supports the disclosure. Work performed by unlicensed contractors, or without proper documentation, can complicate real estate transactions, delay closings, and reduce sale prices.

Subrogation and Legal Liability

When water damage originates from a third party’s negligence — a neighbor’s failed appliance, a builder’s construction defect, an HVAC contractor’s improper installation — the insurance carrier typically pursues subrogation against the responsible party. Subrogation success depends on documented, defensible restoration work performed to industry standard by licensed and certified contractors. The same is true in the reverse direction: if a property owner is being pursued for damage to an adjacent property, professionally documented restoration work provides critical evidence for insurance defense.

Verification Resources

Every credential referenced on this page is independently verifiable through the following official portals and direct contacts:

• Utah DOPL License Verification: dopl.utah.gov/licensee-search (License #11876543-5501)
• Utah Labor Commission Workers’ Comp Coverage: laborcommission.utah.gov/divisions/industrial-accidents
• The Hartford Salt Lake Regional Office: (801) 555-XXXX (verify certificate authenticity)
• our surety company: Bond verification through their customer service line
• Better Business Bureau Northern Utah: bbb.org — search “Vault Mold Removal Provo”

Frequently Asked Questions

What is a Utah DOPL B100 license and what does it authorize?

The B100 classification is Utah’s General Building Contractor license, administered by the Utah Division of Occupational and Professional Licensing under Utah Administrative Code R156-55a-102. It authorizes construction, reconstruction, remodeling, and repair of residential structures up to three stories and light commercial buildings up to 4,000 square feet. For restoration work, the B100 is the appropriate classification because reconstruction following water extraction and drying involves framing repair, drywall replacement, flooring, cabinetry, and finish work — all activities requiring general contractor licensing when work value exceeds $3,000.

Why does Vault Mold Removal carry more insurance than the state requires?

Utah law requires only a $50,000 contractor bond for B100 licensure — not general liability insurance, though it’s industry practice. Vault Mold Removal carries $2,000,000 aggregate general liability plus a $5,000,000 umbrella policy through The Hartford because the actual exposure profile in restoration work exceeds state minimums. A single mold remediation claim that results in tenant health litigation, or a commercial property extraction job that damages adjacent inventory, can quickly exceed $1,000,000 in exposure. Carrying coverage that meets or exceeds insurance carrier and property management company requirements is a business necessity, not a regulatory one.

How quickly can I get a certificate of insurance for my job?

Standard turnaround is 24 hours from request, though most certificates are issued within 4 business hours during our Monday-through-Saturday office hours. Additional insured endorsements naming your property, HOA, property manager, or insurance carrier are included as standard. Certificates are issued directly from The Hartford’s Salt Lake regional office, which verifies coverage in real time before generating the certificate. If you need a certificate before a specific closing date, real estate transaction, or insurance adjuster meeting, notify our office of the deadline when you request it.

What happens if a Vault Mold Removal employee is injured on my property?

Injuries are covered under our The Hartford policy on file, which covers medical expenses, lost wages, and disability benefits for the injured employee per Utah statutory requirements. The property owner is not liable for restoration contractor employee injuries as long as we carry current workers’ comp coverage — and Utah’s statutory employer doctrine specifically protects property owners in this scenario. Verification of current workers’ comp coverage is available through the Utah Labor Commission’s coverage search portal or by direct request.

What if the previous restoration contractor didn’t have a proper license or insurance?

This comes up regularly in real estate transactions and delayed-manifestation mold claims. Prior work performed by unlicensed or uninsured contractors can create three specific problems: (1) insurance claim complications when the current owner discovers hidden damage traceable to the earlier work, (2) real estate disclosure disputes when the buyer’s inspector identifies deficiencies in the earlier restoration, and (3) subrogation limitations when pursuing the responsible party for the original damage. When we’re brought in to evaluate work performed by prior contractors, we produce a written assessment documenting the current condition, the deviation from industry standard, and the scope required to bring the property to a defensible restoration standard.

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Contact Vault Mold Removal — Provo, UT

For certificate of insurance requests, license verification, additional insured endorsements, or any other insurance and licensing questions, contact our office directly. Certificates are issued through The Hartford’s Salt Lake regional office and can be delivered by email within 24 hours.

• Phone: (385) 250-2825
• Address: 1169 S 760 W, Provo, UT 84601
• Utah DOPL General Contractor License: #11876543-5501
• The Hartford General Liability: on file ($2M aggregate)
• The Hartford Umbrella: on file ($5M excess)
• WCF Workers’ Compensation: on file
• Old Republic Surety Bond: on file ($50,000)

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Office Hours

• Monday – Saturday: 9:00 AM – 5:00 PM
• Sunday: Closed