General Liability Insurance in Colorado Springs
Protect your business from claims involving customer injuries, property damage, and other common liability risks.
Independent Agency
Multiple Insurance Companies
Personal Local Service
Insurance Experience Since 2011
Coverage Built Around Your Business
Unexpected accidents can lead to expensive claims. We help Colorado businesses compare general liability coverage designed around their operations and risks.
BODILY INJURY
Helps protect your business when a customer or other third party is injured because of your business operations.
PROPERTY DAMAGE
Helps pay for covered damage your business causes to property belonging to another person or business.
PERSONAL & ADVERTISING INJURY
Helps protect against covered claims involving libel, slander, copyright infringement, and certain advertising injuries.
LEGAL DEFENSE COSTS
May help pay eligible attorney fees, court expenses, and other defense costs associated with a covered liability claim.
MEDICAL PAYMENTS
May help pay minor medical expenses when someone is injured at your business or because of your operations, regardless of fault.
PRODUCTS & COMPLETED OPERATIONS
Helps protect against covered injuries or property damage caused by products you sell or work you have completed.
More Options.
Personal Guidance.
As an independent insurance agency, McCloskey Advisor Group can compare coverage from multiple insurance companies instead of offering products from only one company. We look beyond the price to help you understand the coverage, limits, deductibles, and options included with each quote.
✓ Quotes from multiple insurance companies
✓ Coverage limits explained in plain language
✓ Help with certificates and additional insured requests
✓ Continued assistance as your business changes
Additional Protection for Colorado Businesses
COMMERCIAL UMBRELLA
Provides additional liability limits above eligible underlying business policies.
HIRED AND NON-OWNED AUTO
Helps protect your business when employees use rented, borrowed, or personal vehicles for company business.
PROFESSIONAL LIABILITY
Helps protect against covered claims involving professional mistakes, errors, or omissions.
CYBER LIABILITY
Helps protect your business from certain data breaches, cyberattacks, and other technology-related risks.
General Liability Insurance FAQs
Answers to common questions about general liability insurance in Colorado from McCloskey Advisor Group, your local independent agency in Colorado Springs.
What does general liability insurance cover?
General liability insurance generally helps protect against covered claims involving third-party bodily injury, property damage, and personal or advertising injury. A commercial umbrella can add higher limits above your general liability policy.
Is general liability insurance required in Colorado?
Colorado does not generally require every business to carry it. However, landlords, customers, licensing authorities, and business contracts may require coverage.
How much does general liability insurance cost in Colorado?
The cost depends on your industry, business operations, annual revenue, payroll, location, claims history, coverage limits, and insurance company. We compare quotes from multiple insurance companies to help you find the right coverage at a competitive price.
Does general liability cover employee injuries?
General liability usually does not cover employee injuries. Those claims are generally handled by workers’ compensation insurance.
Does general liability insurance cover professional mistakes?
General liability usually does not cover professional errors or advice. Professional liability insurance may be needed for those exposures.
Does general liability cover my tools and business property?
General liability generally does not cover your own tools, equipment, or property. Commercial property or inland marine coverage may be needed.
Can general liability be included in a business owners policy?
Yes. Eligible businesses can often combine general liability and commercial property coverage in a business owners policy.
What information is needed for a general liability quote?
We typically need your business description, location, annual revenue, payroll, employee information, subcontractor costs, coverage history, and requested limits. You can request a general liability quote online.
Ready to protect your business from liability claims? We compare options from multiple insurance companies and help with certificates of insurance when you need them. Request a general liability insurance quote.