General Liability Insurance for Colorado Springs Contractors

General liability pays when your work injures someone or damages their property. It's the policy general contractors, property owners and PPRBD ask to see before you start a job, and we quote it across multiple carriers for Colorado Springs contractors.

Get a GL Quote

What Contractor General Liability Covers

Coverage	What it handles
Bodily injury	Someone who isn't your employee gets hurt because of your work, such as a homeowner tripping over materials on site.
Property damage	Your crew damages a customer's or neighbor's property while working, such as a dropped tool cracking a countertop.
Completed operations	Injury or damage that shows up after the job is finished and caused by your work.
Personal and advertising injury	Claims like libel or using someone else's advertising idea.
Legal defense	The carrier defends covered lawsuits, usually in addition to your limits.

What It Doesn't Cover

General liability is one piece of a contractor's coverage. It usually does not pay for:

Injuries to your own employees. That's workers' compensation.
Accidents in your work vehicles. That's commercial auto insurance.
Theft or damage to your own tools and equipment. That's an inland marine or tools policy.
Fixing your own faulty workmanship. Policies cover damage your work causes, not the cost to redo it.
Professional design errors. That needs professional liability.

Limits and Certificate Requirements

Most Colorado Springs contractors carry $1,000,000 per occurrence and $2,000,000 aggregate, the limits PPRBD requires for most license classes. General contractors and commercial owners often ask for more, plus specific endorsements on your certificate:

Additional insured status for the GC, owner or property manager
Primary and non-contributory wording
Waiver of subrogation
PPRBD's 10-day notice of cancellation endorsement

Before you sign a contract, send us its insurance section. We'll tell you whether your policy meets it and get your certificate out fast. See the full list of PPRBD insurance requirements.

What Drives the Price

General liability premium depends on your trade, annual revenue or payroll, how much you subcontract, residential versus commercial work, years in business and claims history. Roofing and new residential construction price higher than most service trades. Because carriers weigh these differently, we shop your account across several carriers instead of quoting one.

To quote, have ready: a description of your work, estimated annual revenue and payroll, subcontractor costs, your current policy and loss runs if you have them.

General Liability Questions

Is general liability required in Colorado?

Colorado has no statewide GL requirement for most trades, but PPRBD requires it to hold a contractor license in Colorado Springs and much of El Paso County, and most GCs and owners require it before you work.

How fast can I get a certificate of insurance?

Most certificate requests go out the same business day. Send us the holder's exact name and address and any wording your contract requires.

Do I need my own policy if I work as a subcontractor?

Yes. Most GCs require subcontractors to carry their own general liability and name the GC as additional insured.

What's the difference between per occurrence and aggregate?

Per occurrence is the most the policy pays for one claim. Aggregate is the most it pays for all claims during the policy term.

See all contractor insurance services, coverage by trade and PPRBD insurance requirements.

Coverage is subject to policy terms, conditions, limits and exclusions.