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General Liability Insurance

What's Covered? (Varies by carrier!)

  • Property: Ranging from people getting hurt on your property, to protection from lawsuits due to accidents in your office. 

  • Defense Costs: From small tech problems that cause clients to open a case to advertising and copyright suits.

  • Medical Expenses: Can help mitigate small claim costs due to personal injuries. 

  • Data Breaches: Basic coverages that can be expanded to limit any loss of valuable electronic data.


General liability is usually the catch-all policy that can help you mitigate small risks that don't need expanded coverages such as professional liability, cyber insurance, or workers compensation.

workers on side of building

What's NOT Covered?

  • Vehicles: Any claims resulting from owning cars or trucks. (Ask us about commercial auto.)

  • Professional Services: Professional mistakes due to services provided is under a separate professional liability policy. (However, general mistakes made by employees and temporary staff is usually covered.)

  • Employee Injuries: Any employee injury will be covered under workers compensation. 

  • Hackers and Cyber: Anything bigger than small time data loss will usually require some sort of cyber insurance. (Good news is it's a very good "bang-for-buck" add on.)


All commercial policies are different and require an experienced approach to make sure you aren't leaving yourself open to any unintended risks. Having a local broker who can sift through the marketplace effectively is a necessity for today's shifting environments.


Questions you may want to ask us:

  • What discounts are available to me?

  • What policies should I consider that my GL might fall short on?

  • What is the process when filing a claim?

  • What long term initiatives can I take to save money?

Small Business Insurance Colorado Springs Item List

Before you jump into that first policy that you feel safe with, there are a few things you might want to set in order. First, you should consider reputable Colorado Springs insurance brokers that deals with different insurance carriers. It's important to find a solid agency, so you can rest easy knowing you'll have the best coverage for your business and the support you need if a crisis arises.


  • Any Information pertaining to your business (tax ID and other legal paperwork)

  • History of past insurance claims

  • Details of your workplace (any risk exposures you may have)

  • Amount of employees you have

  • Any other insurances under your business


Once you've organized and compiled your paperwork, you're ready to get started with the application and quoting process! Having everything ready ahead of time means a smooth and efficient process.


General liability insurance, known also as commercial liability insurance, is one of those work insurances every employer needs. It covers for a slew of liabilities including property damages, attorney expenses, and much, much more.

General Liability Insurance Colorado Springs

What's different for the Colorado area? (Special coverage from local carriers!)

Commercial insurance in Colorado Springs can mean additional risks because of the likelihood of adverse weather conditions. Getting extra coverage for garages, equipment, or physical property can prevent your business from getting hurt from a claim. Your commercial insurance policy needs diverse types of coverage that fits your operations and protects your business.

Depending on your business operations, you could use extra Colorado Springs insurance coverage in these areas:

Additional Property Coverage: Hail and other extreme weather events are very common in Southern Colorado and most insurance agents will recommend bumping up your coverage to help with roof repair. Wildfires are also common but don’t tend to spread into major Colorado cities. However, smoke and toxicants can still reap havoc on air filters.

Local Workers Compensation: Colorado has an amazing workers compensation carrier that has been serving local Colorado Springs businesses for years. Pinnacol Insurance is hard to beat as a market for most businesses because they understand the risks of our fine state. Ask us about how Pinnacol can help your business grow with reasonable rates and coverage for commercial businesses.

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Alliance Insurance of Colorado Springs is ready to be your insurance agency and broker for life. We want you to feel so comfortable and happy with your insurance that a quick call to Darrell is all you need on renewal to stay updated on your policy. 

Get insurance quotes today! Request a callback below.

Do you really want a random agent from the carrier handling your best interests?

Shop Local. Shop Smart.

The Bottom Line is

We've Got You Covered.

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