Your Insurance Questions

Notify your insurer as soon as possible after an incident, collect detailed evidence (photos, witness info), and cooperate fully during the investigation. Timely, organized reporting helps protect your business.

No, general liability insurance does not cover professional mistakes or negligence. You need a separate professional liability (errors and omissions) policy for those risks.

A claims-made policy covers claims reported while the policy is active—regardless of when the event occurred. An occurrence policy covers incidents that happen during the policy period, even if a claim is filed years later.

A waiver of subrogation is an agreement in your general liability policy that prevents your insurer from recovering losses from a third party at fault. It's often required in Colorado and Utah business contracts—understand the impact before agreeing.

Yes, you can add clients as additional insureds to your general liability policy, typically by endorsement—this extends certain coverage protections to them, often as required by contracts.

Yes—sole proprietors in Colorado and Utah are personally liable for business-related claims. General liability insurance protects your assets from costly lawsuits and is often required by clients or landlords.

A general aggregate limit is the total your policy will pay for all claims in a policy year, while a per-project aggregate gives each project its own separate limit. Per-project aggregates are vital for Colorado and Utah contractors handling multiple jobs.

A certificate of insurance (COI) is an official document that proves your business has insurance coverage, commonly requested by clients, landlords, or government agencies in Colorado and Utah. It details your policy type, coverage limits, and dates, providing fast proof you’re properly insured.

Some general liability policies include limited product liability coverage, but many businesses need an additional policy for full protection. If you manufacture or sell products, review your coverage with an expert to avoid costly gaps.

Implement targeted risk management, maintain a safe environment, train employees, and regularly shop for competitive general liability insurance quotes in Colorado and Utah.

Consider your industry risks, local contract requirements, and potential liability exposures. Most Colorado and Utah businesses need at least $1M per-occurrence limits, but higher coverage is often wise.

Yes, many Colorado and Utah insurers offer bundled packages—such as a Business Owner’s Policy (BOP)—that combine general liability with property and business interruption coverage for added value.

An occurrence limit is the maximum paid per incident, while an aggregate limit is the maximum your policy pays for all claims combined in a policy year. Choosing the right limits protects your business from multiple claims.

General liability insurance premiums in Colorado and Utah are based on your business type, size, location, risk level, coverage limits, and claims history. High-risk industries and larger businesses can expect to pay more, while proactive safety measures or clean claims histories may help lower your rate.

General liability insurance does not cover employee injuries, professional errors, auto accidents, or intentional acts. Separate policies like workers’ compensation or professional liability are needed for these risks.

General liability insurance covers your business’s legal defense costs, settlements, and judgments for third-party bodily injury, property damage, and personal or advertising injuries such as libel or slander. The right policy protects you from financial losses due to accidents, mistakes, or lawsuits involving your operations.

While not legally mandated for every business, general liability insurance is vital protection for almost all Colorado and Utah businesses to guard against the high cost of lawsuits or claims.

General liability insurance protects your business from financial loss due to third-party claims for bodily injury, property damage, and personal or advertising injury. It’s essential for operating with confidence in Colorado and Utah’s dynamic business environment.

Yes, independent contractors can often be covered if listed as drivers on your commercial auto policy, or you may require them to carry their own insurance. Check with your insurer to ensure compliance with Colorado or Utah regulations.

Combined single limit (CSL) provides a single coverage amount for both bodily injury and property damage in a claim, offering businesses more flexibility than split limits—especially in high-cost accident scenarios across Colorado and Utah.