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Business Liability Insurance in Northern Colorado

Protection for Your Business and Your Future

Running a business comes with risks, from customer injuries on your property to claims of negligence. Business liability insurance in Northern Colorado protects your company from costly lawsuits and unexpected expenses, ensuring you can focus on growth instead of legal battles.

What Business Liability Insurance Covers

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General Liability Insurance

Protects your business from claims of bodily injury or property damage. Whether it’s a customer slipping on your premises or accidental damage caused by your employees, this coverage helps with legal defense and settlements.

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Product Liability

Covers claims that your product caused harm, injury, or damage. Essential for businesses that manufacture, distribute, or sell physical goods.

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Professional Liability (Errors & Omissions)

Provides protection if a client alleges negligence, mistakes, or inadequate work. Common for consultants, contractors, and service providers.

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Advertising & Personal Injury Liability

Covers risks like libel, slander, and copyright infringement related to your marketing and advertising.

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Tenant Legal Liability

Protects you if damage occurs to a building you lease for business use.

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Medical Payments Coverage

Covers medical expenses for non-employees injured on your business premises, regardless of fault.

Benefits of Business Liability Insurance

Business liability insurance provides peace of mind and financial security. From legal fees to medical bills, one unexpected claim can devastate a business. The right coverage helps ensure your company can continue operating, meet contractual requirements, and build trust with clients. At Chris Covers Your Assets, we focus on educating you about your options so you understand exactly how your policy protects your business.

Frequently Asked Questions

  • Is business liability insurance required?

    Not always. While it’s not legally required in every state, many clients, landlords, and lenders will require proof of coverage before signing contracts. Having liability insurance also protects you from unexpected lawsuits that could otherwise bankrupt your business.

  • What’s the difference between general liability and professional liability?

    General liability covers physical risks like property damage or bodily injury. Professional liability (also called errors & omissions) covers financial losses caused by mistakes, negligence, or failure to deliver services as promised. Many businesses benefit from carrying both.

  • How much liability insurance does my business need?

    Coverage needs vary depending on your industry, size, and exposure. A small retail shop may need $1M in coverage, while contractors or manufacturers may need higher limits. Chris will walk you through liability limit recommendations tailored to your business.

  • Does liability insurance cover employee injuries?

    No. Employee injuries are covered under workers’ compensation insurance. Business liability insurance is designed to cover third-party claims — customers, vendors, and the general public.

At Chris Young Agency, we’ve been helping businesses in Northern Colorado and across Colorado, New Mexico, Wyoming, Missouri, South Dakota, Texas, Utah, and Arizona protect what they’ve built for nearly 30 years. With our education-first approach, you’ll never be in the dark about your policy — you’ll understand your coverage and feel confident knowing your business is secure.

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