BUSINESS INSURANCE
General Liability Insurance
Protect your business from the everyday risks that can lead to costly claims. Legacy helps Colorado businesses find general liability coverage designed around their operations, exposures, and goals.
UNDERSTANDING YOUR COVERAGE
Protection for Everyday Business Risks
Even careful businesses can face claims involving injuries, damaged property, or allegations that their work caused harm. Commercial general liability insurance can help protect your business from the financial impact of many common third-party claims.
What General Liability Insurance May Cover
Bodily Injury - Medical expenses, legal costs, and damages arising when a customer, vendor, or other third party is injured in connection with your business.
Property Damage - Claims that your business or employees damaged property belonging to a customer, vendor, landlord, or another third party.
Products and Completed Operations - Certain claims involving bodily injury or property damage caused by products you sell or work you have already completed.
Personal and Advertising Injury - Certain claims involving libel, slander, copyright infringement in advertising, wrongful eviction, or invasion of privacy.
Legal Defense Costs - Attorney fees, court costs, settlements, and judgments associated with covered liability claims—even when an allegation is ultimately found to be without merit.
Medical Payments - Limited medical expenses for certain third-party injuries occurring on your premises or as a result of your operations, regardless of fault.
WHO NEEDS GENERAL LIABILITY INSURANCE
Coverage Built Around the Way You Work
General liability insurance is an important foundation for businesses of nearly every size and industry. It may also be required by a landlord, client, licensing authority, or contract before you can begin work.
Businesses that commonly need coverage include:
Contractors and trades professionals
Retail stores and restaurants
Consultants and professional service providers
Nonprofit organizations
Property owners and landlords
Manufacturers and distributors
Home-based businesses
Event vendors and service providers
KNOWING THE LIMITS
General Liability Doesn’t Cover Everything
General liability provides broad protection, but it is only one part of a complete business insurance program. Depending on your operations, you may need additional coverage for risks that fall outside a general liability policy.
Workers’ Compensation - Work-related employee injuries and illnesses.
Commercial Auto - Accidents involving vehicles owned or used by your business.
Professional Liability - Claims involving professional mistakes, negligence, or failure to provide promised services.
Commercial Property - Damage to your building, equipment, inventory, or other business property.
Cyber Liability - Data breaches, cyberattacks, and certain technology-related risks.
Employment Practices Liability - Claims involving discrimination, harassment, retaliation, or wrongful termination.
Inland Marine - Tools, equipment, and other property transported or used away from your primary location.
GUIDANCE FROM LEGACY
Coverage That Fits Your Business
No two businesses face exactly the same risks. We take the time to understand your operations, contracts, customers, property, and future plans before helping you compare coverage options from multiple insurance carriers.
Whether you’re launching a new venture, reviewing an existing policy, or responding to new contract requirements, our team can help you understand your options and make informed coverage decisions.
Coverage descriptions are provided for general informational purposes only. Actual coverage, limits, conditions, and exclusions vary by policy and insurer. The terms of the issued policy control in the event of a claim. Coverage cannot be bound, changed, or canceled through this website or by submitting an online form.