General Liability Insurance in Denver, Colorado

Why Denver Businesses Need General Liability Coverage

General liability insurance is the foundation of business protection. It covers third-party claims for bodily injury, property damage, personal injury, and advertising injury. Whether a customer slips in your Denver store, you accidentally damage a client's property, or someone claims your ad infringed on their copyright, general liability steps in. This coverage is often required by landlords, clients, and contracts before you can operate your business in Colorado.

What Does General Liability Insurance Cover?

General liability covers bodily injury when someone gets hurt on your premises or due to your business operations. It pays for property damage you cause to others, including client or rented property. The policy includes personal and advertising injury protection for slander, libel, copyright infringement, and false advertising claims. It covers medical payments for minor injuries without a lawsuit. Defense costs, settlements, and judgments are included up to your policy limits.

Benefits of General Liability for Colorado Businesses

Clients and landlords often require proof of general liability before working with you or leasing space to your business. A single slip-and-fall lawsuit can cost more than years of premiums, making this coverage essential. General liability covers legal defense costs even if the claim is groundless, protects against property damage you cause at client locations, and shields your business assets from liability judgments.

What's Not Covered by General Liability Insurance?

General liability doesn't cover professional errors or omissions, employee injuries (that's workers compensation), intentional damage, or pollution. It also excludes damage to your own property and business vehicles. You'll need separate policies for these exposures—our agents can help you identify gaps in your coverage.

How Much General Liability Coverage Do I Need?

Most businesses start with coverage limits around one million dollars per occurrence and two million dollars aggregate. Your specific needs depend on your industry, contract requirements, and risk exposure. Higher-risk businesses or those with large contracts may need increased limits. Our agents can review your operations and recommend appropriate coverage levels.

Get a General Liability Insurance Quote in Denver, Colorado

Our general liability insurance agents serve Denver, Colorado and surrounding areas including Aurora, Golden, Lakewood, Thornton, and Westminster. Contact Seguros Ideal Inc today for a free quote.