Business & Commercial Insurance in Colorado, General Liability, Commercial Auto, Workers Compensation

General liability protects your business in case of claims. Bodily injury and property damage are covered if caused by an occurrence in the coverage territory during the policy period. 

Depending on your coverage and insurance company GL Insurance may pay for

1.       Premises Liability Losses

2.       Operation Liability Losses

3.       Completed Operations Liability Losses

Depending on your coverage and insurance company General liability covers:

Coverage A – Bodily Injury and Property Damage Liability

Coverage B – Personal and Advertising Injury Liability

Why should I have an agent to protect the Liability of my business?

It is best to have an agent, whether you have a small, medium or large sized business. An experienced agent can give you the proper coverage to protect your business in case of a claim or a law suit. Your agent can also educate you in case of any loss. It is important to describe your business well to your agent so that your agent can give you the right coverage. 

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Commercial Auto Insurance in Colorado

Your Commercial Auto Insurance Covers you and your employees for your:

     *Owned Autos

     *Hired Autos

     *Non-Owned Autos

Your Commercial Auto Insurance options:

1.       Bodily Injury Liability Coverage

2.       Property Damage Liability Coverage

3.       Medical Payments Coverage

4.       Collision Coverage

5.       Comprehensive Coverage

6.       Uninsured/Under-insured Motorist Coverage

Coverage Extensions: 

7.       Transportation Expenses

8.       Loss of Use Expenses

Why should I have an agent for Commercial Auto Insurance?

An agent can help you with the type of coverage you need so you can have peace of mind in case of an accident. 

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Worker's Compensation in Colorado 

There are two parts to a Worker's Compensation 

Part A: Pays for the injured worker's injuries until they can return to work. There is no cap in the policy for this part. 

Part B: Employers Liability covers negligence of employer in claims.

        Basic Limits for Part B are:

        $100,000 Bodily Injury each accidents

        $100,000 each employee bodily injury by disease

        $500,000 policy limit bodily injury by disease

        Maximum Limits are:

        $1M/$1M/$1M

How can you bring down Workers Compensation premium?

You can bring down Workers Compensation premium by:

Risk Control Services & Safety:

Reduce injuries to employees and to customers by:
          
         *Training & Supervision 

         *Good Housekeeping

         *Keep Walkways, aisles, entries clean

         *Staff training and OSHA safety programs

Why should I have an agent for Worker’s Compensation of my business?

Your agent can help you with: how much workers compensation is needed, what to do in case of payroll audit, what to do to reduce premium to have risk control services and how to put claims.