Business Liability Insurance

Your Go-To Solution for Colorado Business Liability Insurance

If you do business in Colorado, you need commercial liability insurance. Otherwise, your survival is at risk. But it's not just that

You also need to be sure you're getting the right coverage at the right price, and that you have an advisor and advocate by your side, someone who knows specifically about Colorado business insurance requirements. And someone you trust.

At Trust Hall Insurance Services, right here in Colorado, we have all the qualifications, expertise and experience you'd expect to get the best Colorado business insurance deal.

We can protect you fast. We can advise you on risk management in Colorado. We can secure some of the most competitive coverage rates available. We can help you with a claim. And we can answer your questions. Let's start with that.

Sometimes known as Colorado commercial liability insurance or Colorado commercial general liability insurance (CGL), it's one of the most important forms of coverage for your organization.

You might also need a certificate of insurance (COI) a document that others for whom you work may request as proof you have adequate protection.

 

What Type of Business Does Colorado Commercial Liability Insurance Cover?

Although not mandatory in Colorado, everyone needs it, whether you’re a one-person home-based business, a small business such as a contractor, professional services or retailer, or a large organization.

In the case of smaller businesses, your coverage may be wrapped up in a single business owners policy (BOP), which adds other protections. Ask us about this.

How Much Does Business Liability Insurance Cost in Colorado?

It can cost less than $1,000 a year for a fairly sizeable level of coverage. And with legal costs and settlements reaching record levels, that's important.

But the actual premium will depend on the size and nature of your Colorado business, insurance company policy rating factors, any discounts we're able to negotiate, your deductible and who provides the coverage.

You can find out that amount quickly and without charge from Trust Hall's CGL insurance experts. Just contact us.

 

Other Types of Colorado Commercial Liability Protection

Trust Hall Insurance can also provide specialist coverages that aren't included in commercial general liability policies.

These include:

  • Colorado professional liability insurance, which protects against allegations against you of mistakes or professional neglect.
  • Colorado product liability insurance against injury or damage related to your products.
  • Specialty business liability insurance for companies who work in high-risk, hazardous industries and sectors.
  • Colorado cyber liability insurance to cover costs relating to data breaches.
  • Colorado directors and officers (D&O) liability coverage to protect against personal damage claim relating to wrongful acts.
  • Umbrella coverage, which raises the coverage limits of standard policies.

We also issue Colorado certificates of insurance for all types of liability risk.

 

Why Trust Hall Insurance is Your Go-To Agent for Business Liability Coverage

There's no need to shop around for the best commercial liability insurance for your Colorado business. We'll do that for you. As an independent agent, we work with all the major, reputable insurers.

We also take the time to get to know and understand your business so we can customize a policy to your needs. We'll cover what you, specifically, require. And you won't pay for coverage you don't need.

We'll keep your policy under regular review so it can adapt to your changing needs or take advantage of lower rates or other discounts.

We'll be here when you need us.

Get Your Free Quote and Answers Now 

Need more reasons for joining Trust Hall's expanding group of business clients?

Contact us today for that free quote and the answers to your other questions. We'll make it easy for you.

What is Colorado Business Liability Insurance?

Liability insurance covers the costs of legal fees, including court costs and the resulting award, if any is made. Imagine the peace of mind you’d have being free from worry about the attorney costs as the liability case grinds on—and if you’ve got something to take, the plaintiff’s attorneys will often make sure it does.

Liability insurance is appropriate for any business that could face potential lawsuits. There are four distinct types that you may need, depending on your business, and your tolerance for risk of financial loss:

  • Personal Liability
  • Business Liability
  • Professional Liability
  • Public Liability

There are other risk that may be covered, including:

  • Bodily injury should a client trip and fall over your briefcase, or lose footing on a slippery floor, and you’re found legally liable for their injury.
  • Property damage and data loss should you accidentally spill coffee on a client’s server that causes data loss, or a tree falls on their car in your parking lot.
  • Personal injury should an employee talk to a fellow employee of the shop about one of your clients in a false and unflattering way. The client learns of this discussion and sues for slander. We will cover the subsequent claim, up to your General Liability policy’s limits of liability, and pay for an attorney to defend you if necessary.