Next Insurance

General Liability Insurance in Colorado

You can save up to 25% in discounts.*

General Liability covers a wide range of incidents

Slip-and-fall injuries

Slip-and-fall injuries

Someone trips at your business, breaks their leg and files a lawsuit. Excluding employees.

Property damage

Property damage

You accidentally damage a client or customer’s property.

Advertising injury

Advertising injury

You’re sued for improper image use in your advertising.

Legal fees & defense costs

Legal fees & defense costs

You need an attorney to defend your business in a lawsuit after a claim.

What is General Liability insurance coverage?

General liability insurance can help protect Colorado small businesses from financial losses related to common accidents, such as:

  • Slip-and-fall injuries
  • Other injuries related to your business, excluding employees
  • Damage to someone else’s property
  • Accusations of libel, slander or copyright infringement

This insurance is sometimes called commercial general liability (CGL).

There are numerous scenarios where general liability insurance can help different types of businesses in Colorado. For example:

  • A Denver general contractor accidentally breaks a custom window while carrying materials through a client’s foyer. General liability coverage can help pay for a replacement.
  • A customer slips and falls in the parking lot of an Aspen restaurant. General liability insurance can help cover legal fees and damages if the business is found liable.

Your Colorado general liability insurance policy can help cover costs associated with these and other types of incidents related to your business, including accusations of slander or libel.

Is General Liability insurance required in Colorado?

Colorado state law does not require general liability insurance for small businesses.

However, local jurisdictions, including cities and counties in Colorado, may have their own general liability requirements depending on the type of work you do.

Even where it’s not required, there are several benefits to having commercial general liability insurance. Colorado entrepreneurs often get this coverage for the following reasons:

Financial protection

Colorado small businesses could be better protected financially if an accident occurs or if they face accusations of slander or libel. Additionally, many lenders and banks require this type of Colorado business insurance.

Work contracts

Depending on your industry, you may have clients who require a certificate of insurance before agreeing to work with you. Without general liability insurance, you may lose out on potential jobs.

Lease agreement

Commercial property leases in Colorado might require proof of general liability insurance. Property owners or management companies may refuse to rent to you without this coverage.

Licenses and permits

Depending on your industry, you may need general liability insurance to get a Colorado business license or permit.

For example, nearly every county in Colorado requires general contractors to have a policy with at least a $100,000 limit.

Colorado contractor general liability insurance is also necessary to obtain your contractor’s license in much of the state.

See our Colorado general contractor license and insurance requirements guide for more details.

What types of businesses might need General Liability in Colorado?

Most businesses in Colorado can benefit from commercial general liability insurance since it covers common risks for many different industries.

Even for seemingly low-risk lines of work, general liability insurance can help protect your business. Accidental injuries and property damage can happen in any office environment or small retail space.

If a customer slips and falls on a wet floor in your Fort Collins hardware store, for example, general liability insurance can help cover related costs.

How much does General Liability insurance cost in Colorado?

General liability insurance costs in Colorado vary based on the type of work you do and where your business operates. The number of people you employ, your past insurance claims and the policy limits you choose will also influence your insurance premiums.

NEXT offers affordable general liability insurance to Colorado business owners. In fact, 50% of our U.S. customers pay $45 or less per month for their general liability policy.**

Learn more about general liability insurance costs.

How NEXT Insurance helps Colorado businesses

NEXT provides Colorado general liability insurance policies designed for small businesses and self-employed workers.

It only takes about 10 minutes to get a quote, review your coverage options, choose your policies and download a certificate of insurance.

Start an instant quote online today.

Our team of licensed insurance advisors is standing by to assist you if you have any questions along the way.

Other types of Colorado business insurance

Although general liability insurance is a must-have for many small businesses, additional coverage helps protect against everyday business risks.
Most Colorado business owners also consider these options when insuring their company:
Workers Compensation
Workers’ Compensation insurance

All companies in Colorado with one or more employees are required by law to carry workers’ compensation insurance. This insurance helps cover medical expenses, lost wages and other benefits if a worker gets injured on the job.



Learn more about workers’ compensation.
Commercial Auto
Commercial Auto insurance

Commercial auto insurance can help cover medical expenses, property damage, towing and rental reimbursement if you or one of your employees gets into an accident while driving a work vehicle.

Colorado requires commercial auto insurance coverage for all company-owned vehicles. The minimum limits of liability required by the state are $25,000 per person, $50,000 per accident and $15,000 for property damage.1



Learn more about commercial auto.
Commercial Property
Commercial Property insurance

Commercial property insurance can help protect the physical assets needed to operate your business, including equipment, inventory, furniture and brick-and-mortar structures. This insurance can help cover replacement or repair costs if your business is affected by a covered event, such as damage from a burst pipe or a fire.



Learn more about commercial property insurance.
Errors & Omissions
Professional Liability insurance (E&O insurance)

Professional liability insurance, sometimes known as errors and omissions (E&O), can help protect you financially if a client or customer accuses you of professional negligence. This type of insurance is commonly bundled with small business general liability insurance.



Learn more about professional liability.

Customer reviews

I am so excited
I am totally excited about my new insurance for my small business. I am happy that the price was in a range that I can afford, the terms were easy to understand and it was so simple to purchase my first policy. I look forward to doing business with you in the future.
Curzella J.
Easiest insurance purchase – EVER!
I was looking around trying to compare insurance and I am so lucky I found NEXT. I was able to compare levels of coverage, and all the options, without pressure from a salesperson or time limits. I was able to check out prices and it was more coverage for less than the “traditional” company I looked at.
Michael W.
Happy small business owner!
I needed liability insurance for my new small business brick & mortar location. I got the run around from another company, but NEXT provided a competitive insurance quote in a timely manner. I now have the insurance that I need and it was stress-free!
Nicole E.

Let’s find the coverage you need for your business

Business insurance is divided into different policies. We offer seven types so it's easy to design the coverage that fits your business.

General Liability insurance
General Liability

Protect yourself from accidents that cause physical injury or damaged property.

Professional Liability or Error and Omissions Insurance
Professional Liability/E&O

Shield yourself from lawsuits that claim your work errors caused financial losses.

Workers' Compensation Insurance
Workers’ Compensation

Cover medical bills and lost wages if your employees have an accident at work.

Commercial Auto Insurance
Commercial Auto

Stay on the road with coverage for dents, tows and damage to someone else’s vehicle.

Tools & Equipment Insurance
Tools & Equipment

Upgrade your general liability coverage to protect any gear that’s stolen, damaged or lost.

Commercial Property Insurance
Commercial Property

Keep your building, inventory and equipment protected from fire or water damage.

Business Owner’s Policy Insurance
Business Owner’s Policy

Combine general liability and commercial property into one policy to protect your business.

Take a look at some helpful blog posts
What’s the difference between libel and slander for business owners?
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What’s the difference between libel and slander for business owners?

Bodily injury vs. personal injury: what’s the difference?
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Bodily injury vs. personal injury: what’s the difference?

General liability vs. professional liability: What's the difference?
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General liability vs. professional liability: What's the difference?

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
** The cost data presented here are based on NEXT active customers in the U.S. who purchased general liability insurance over the previous 12 months. These data should not be considered a substitute for obtaining a quote specific to your business. These data were updated in July 2022.
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.