contractor insurance

Aurora General Liability Insurance Colorado

With any major construction project, one of the first new set of requirements is General Liability Insurance. This insurance covers damages that might be incurred on-site due to business sources – such as theft, or something as simple as an overloaded electrical meter. A quote can usually be found online and it really depends on what type of plans you have. How do you find a company that would be able to provide one literally at your doorstep? The answer is a contractor general liability insurance provider in Aurora, CO!

What is Contractor General Liability Insurance?

Some business owners might be unaware that they are required to carry contractor general liability insurance in order to protect themselves and their businesses from potential legal liabilities. Contractor general liability insurance policies can help protect businesses from claims made by third parties, such as customers, employees, or contractors. In some cases, the coverage granted by a contractor general liability insurance policy may even extend to protection against personal injury or property damage claims.

It is important for business owners to understand the types of Claims covered under their policies and the premiums that will be necessary for adequate protection. Policies typically cover a variety of exposures, including:
-Commercial Property Damage
-Personal Injuries stemming from accidents affecting customers or employees
-Claims Made by Third Parties (such as Contractors)
The amount of coverage available will vary depending on the specifics of each situation, but most policies provide at least $1 million in total coverage. Additionally, many policies offer specific loss payouts for different types of losses, such as death or serious bodily injury caused by an accident on your premises. For more information about contractor general liability insurance and what it can do for your business, please contact one of our specialists at Aurora’s leading provider of insurance products and services.

Why do I need to purchase contractor general liability insurance?

A common question asked when contracting is whether or not general contractor liability insurance is necessary. The answer, provided below, includes a detailed look at why having coverage can be beneficial for your business. If an incident were to take place, having insurance in place can help cover both legal and financial costs.

In the event of a lawsuit being filed against you as a contractor, general contractor liability insurance can provide financial protection for damages and expenses that may be incurred as a result of the suit. This coverage can help offset any potential losses from judgments or settlements. Additionally, it can provide reimbursement for costs associated with defending the lawsuit, such as attorneys’ fees and court costs.

Most general contractor liability policies also include property damage and business interruption coverages, providing extra peace of mind if an incident were to occur that resulted in damage to property or disrupted your business operations. In some cases, even filing a claim with your insurer can result in a discount on future coverage premiums.

Overall, general contractor liability insurance is an important safeguard against potential financial consequences if something unexpected happened while you were working as a contractor. By ensuring that you have adequate coverage, you can rest assured that any potential liabilities will be covered should they arise.

How much does contractor general liability insurance cost in Aurora, CO?

When working as a contractor in Aurora, Colorado, you are especially vulnerable to potential liabilities. Contractor general liability insurance (CGL) is essential coverage to protect yourself and your business from claims made by third parties alleging negligence or wrongful acts.

Aurora CGL rates will vary depending on the company and the type of policy that you purchase. However, a typical CGL policy for a small business may cost around $50,000 annually. Remember that this amount may increase if you have more assets at risk or if the claim is particularly egregious.

Keep in mind that CGL coverage does not extend to volunteer firefighters or anyone else acting in an official capacity for your organization. You also should make sure to include umbrella insurance policies that cover additional risks, such as property damage and personal injury.

What types of coverage do I get by purchasing Aurora, CO contractor general liability insurance?

When purchasing contractor general liability insurance, you’re likely to have a number of options and coverages. The types of coverage vary depending on the policy you choose, but typically, you’ll have umbrella and excess coverage as well as general liability coverage.

An umbrella policy provides basic protection for your business if any one of its policies is cancelled or inadmissible. This type of policy is usually recommended for businesses with few assets and minimal operations.

An excess policy gives your business added protection in the event that a bodily injury claim exceeds your primary limit of liability. This type of policy can also provide extra funds to reimburse you for expenses associated with a claims, such as attorney fees and damages.

General liability insurance covers your business if someone is injured or damages property while working on your behalf. Coverage can range from $1 million per occurrence to $5 million per occurrence, and may include payouts for injuries suffered by customers and employees, as well as damage to property. Additionally, general liability insurance can protect you from lawsuits filed by disgruntled clients or employees who believe that they were wronged in some way while working for you.

Is this type of contractor general liability insurance worth the cost in Aurora, CO?

contractor general liability insurance is a valuable tool for protecting your business from lawsuits. However, it’s important to understand the cost and coverage that is offered before you decide whether or not to purchase coverage.

Generally, contractor general liability insurance will cover you for bodily injury, property damage, and claims made by third parties that accuse you of negligence. To determine the cost of coverage, you’ll need to examine the particulars of your particular case and policy. However, a few points to keep in mind include the deductible and coverages that are included.

When choosing a contractor general liability insurer in Aurora, CO, make sure the company has experience with businesses like yours. Contact several providers and compare terms and conditions before making a commitment. By doing your research upfront, you can ensure that your business is adequately protected in the event of a lawsuit.


As a business owner, you undoubtedly know the importance of protection. That’s why it’s important to ensure that you have contractor general liability insurance in place to protect yourself and your employees if something goes wrong. When hiring contractors or subcontractors, be sure to ask if they have any previous accidents or lawsuits that could affect their work. If not, consider getting coverage through an insurance provider like ACE Casualty Insurance. We can help you find the right policy for your business, so don’t wait – get started today!