Colorado General Liability Insurance Quotes

Get a quote on General Liability Insurance Policies for Your Colorado Based Business from LA Insurance of Colorado

Cheap General Liability Insurance in Colorado

LA Insurance of Colorado has locations across Colorado including Denver, Colorado Springs, Aurora, Lakewood, Arvada, Longmont & Thornton, CO. If you're an independent contractor or business owner, stop by to discuss your General Liability and Contractor Insurance needs.

General liability insurance (GL), often referred to as business liability insurance, is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations. General liability insurance is often combined with property insurance in a Business Owners Policy (BOP), but it's also available to many contractors as a stand-alone coverage through our Business Program.

As a contractor or small business owner, you need some form of business liability insurance to safeguard your livelihood. A single accident could result in a lawsuit that you might not be able to handle. A great way to protect against this is to make sure you have liability coverage that matches your level of exposure. Some employers or clients might also require you to carry a certain amount of general liability before you can work for them.

Each business is different, but you want to make sure you're covered. Examples of businesses that typically use general liability insurance are:

Artisan contractors
Small business owners
Landscaping companies
IT contractors
Real estate agents
Consulting
Marketing
Janitorial services
And more

What Is General Liability Coverage?

General liability insurance quotes from L.A. Insurance include:

Bodily injury and property damage liability
Personal and advertising injury
Medical payments
Products completed operations
Damage to premises rented to you
Property damage
Physical injury
Personal and advertising
Injury
Legal defense costs

Learn how these coverages protect small businesses and how much you’ll want to consider for your unique risk.

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Why Trust Us for your General Liability Insurance Needs?

Cheap General Liability Insurance Coverage in Colorado

L.A. Insurance has been around since 1992, and since then, we've expanded our operations to cover a large part of the country. Don't mistake us for a large corporation, however; we're a franchise of individually owned, independent agencies, so you can be sure that you get the best prices from the best providers when you work with us.

Turn to us today for the general liability insurance you need in Colorado. Call us at (720) 996-9696.

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What Types Of General Liability Insurance Does L.A. Insurance Offer?

General Liability

Liability coverage helps cover different types of general liability claims that your business caused bodily injury or property damage to others. It also covers reputational harm or errors in your advertising. It’s important to note that general liability insurance doesn’t cover property damage to your business or your employee’s property.

Professional Liability

Also known as errors and omissions insurance (E&O), helps cover claims that your business made errors in the services you provided. For instance, if your client claims you gave them inaccurate financial advice and sues you because they lost money, E&O insurance can help cover your legal defense costs.

Employer Liability

Professional liability does not cover employees that get work-related injuries or illnesses. For that kind of coverage, your business needs workers’ compensation insurance. Workers’ comp is a type of employer liability insurance that provides benefits to your employees if they get injured or sick because of their job.

General Liability Insurance Frequently Asked Questions

Every business faces some level of risk, which is why most businesses need liability insurance. This coverage can help protect your business from claims, like malpractice or bodily injury, that could end in lawsuits or legal liabilities. Learn more below about General Liability and why your business may need it.

The amount of general liability insurance you need depends on factors such as the type and size of your business, number of employees, and the type of customers you typically work with. However, many small businesses opt for the standard $1 million / $2 million general liability policy. This means the policy will pay up to $1 million to cover any one claim, with a $2 million limit for the lifetime of the policy, which is typically one year.

General liability insurance for contractors provides protection when a customer or client holds you liable for an injury or property damage. Your clients may require you to obtain this coverage before entering into a contract. Certain industries, such as construction, require independent contractors to carry general liability insurance. Even when it’s not required, an independent contractor might purchase this coverage to safeguard against common lawsuits.

Seguro de Responsabilidad Comercial

Como contratista o dueño de una pequeña empresa, necesita un seguro de responsabilidad comercial para salvaguardar su sustento. Un solo accidente podría resultar en una demanda que quizás no pueda manejar. Una excelente manera de protegerse contra esto, es asegurarse de tener una cobertura de responsabilidad civil comercial que coincida con su nivel de exposición y riesgos. Algunos empleadores o clientes pueden exigirle que asuma una cierta cantidad de responsabilidad general antes de poder trabajar para ellos. El seguro de responsabilidad general o General Liability (GL), a menudo denominado seguro de responsabilidad comercial, es una cobertura que puede protegerlo de varios reclamos, que incluyen lesiones corporales, daños a la propiedad, lesiones personales y otros que surjan de sus operaciones comerciales. El seguro de responsabilidad general a menudo se combina con el seguro de propiedad en una póliza de propietario de negocio o Business Owners Policy (BOP). También está disponible para muchos contratistas como una cobertura independiente a través de nuestro Programa Comercial.