NEXT is the best general liability insurance provider in Colorado, delivering an excellent balance of affordable rates and quality service. The Hartford and Nationwide also rank highly for customer satisfaction and reliable coverage options.
General Liability Insurance in Colorado
NEXT tops our rankings for general liability insurance in Colorado, scoring 4.57 out of 5.
Explore low-cost general liability insurance in Colorado below.
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Updated: October 29, 2025
Advertising & Editorial Disclosure
Key Takeaways
NEXT, The Hartford and Nationwide are the leading general liability insurance providers across Colorado, offering comprehensive coverage options for businesses.
Selecting general liability coverage in Colorado requires careful consideration of your business type, operation size and specific coverage requirements.
Getting quality coverage means comparing multiple quotes from insurers, checking their financial strength ratings and verifying their state licensing status.
Best General Liability Insurance Companies in Colorado
| NEXT | 4.57 | $102 |
| The Hartford | 4.57 | $81 |
| Nationwide | 4.53 | $96 |
| Simply Business | 4.48 | $95 |
| Coverdash | 4.38 | $103 |
| Thimble | 4.35 | $106 |
| biBerk | 4.30 | $113 |
| Progressive Commercial | 4.27 | $99 |
| Chubb | 4.27 | $118 |
| Hiscox | 4.19 | $113 |
How Did We Determine These Rates?
These rates are estimates based on MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your specific business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
LEARN MORE ABOUT BUSINESS INSURANCE
General liability coverage represents just one layer of business protection in Colorado. Comprehensive coverage often requires multiple policy types:
Best Colorado Small Business Insurance Reviews
We analyzed Colorado's leading general liability insurance providers to help small business owners identify which companies offer the best combination of coverage, pricing, and service for their general liability requirements.
NEXT
Best Overall Provider
MoneyGeek Rating
4.6/ 5
4.3/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average Monthly Premium
$102Our Survey: Claims Process
3.9/5Recommend to Others
4.8/5
The Hartford
Runner-Up Best Provider
MoneyGeek Rating
4.6/ 5
4.5/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average Monthly Premium
$81Our Survey: Claims Process
4.5/5Recommend to Others
4.5/5
Cheapest General Liability Insurance Companies in Colorado
The Hartford offers the most affordable general liability insurance in Colorado, with coverage starting at $81 monthly or $973 annually. Small business owners seeking budget-friendly options can also consider Simply Business and Nationwide.
| The Hartford | $81 | $973 |
| Simply Business | $95 | $1,139 |
| Nationwide | $96 | $1,154 |
| Progressive Commercial | $99 | $1,190 |
| NEXT | $102 | $1,226 |
| Coverdash | $103 | $1,230 |
| Thimble | $106 | $1,275 |
| Hiscox | $113 | $1,357 |
| biBerk | $113 | $1,358 |
| Chubb | $118 | $1,414 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Your actual premium depends on where your business is located, what industry you're in, how much coverage you choose, and other factors insurers consider. Available options differ by state.
Average Cost of General Liability Insurance in Colorado
General liability insurance in Colorado costs an average of $102 per month ($1,223 annually), which is close to the national average. Your actual premium varies based on your industry, business size, location, and claims history. Construction companies typically pay more than lower-risk businesses like consulting firms due to higher liability exposure.
Average Cost of General Liability Insurance by Industry
General liability insurance costs vary dramatically by industry in Colorado. Pressure washing businesses face the highest monthly premiums at $912, while drone companies pay the most affordable rates at just $17 monthly. The table below shows how premiums differ across various business types.
| Accountants | $22 | $264 |
| Ad Agency | $35 | $423 |
| Automotive | $53 | $637 |
| Auto Repair | $151 | $1,817 |
| Bakery | $90 | $1,080 |
| Barber | $44 | $530 |
| Beauty Salon | $67 | $799 |
| Bounce House | $70 | $840 |
| Candle | $55 | $656 |
| Cannabis | $67 | $801 |
| Catering | $87 | $1,048 |
| Cleaning | $132 | $1,584 |
| Coffee Shop | $89 | $1,073 |
| Computer Programming | $29 | $347 |
| Computer Repair | $47 | $570 |
| Construction | $175 | $2,097 |
| Consulting | $22 | $262 |
| Contractor | $254 | $3,047 |
| Courier | $195 | $2,337 |
| Daycare | $33 | $393 |
| Dental | $21 | $257 |
| DJ | $25 | $303 |
| Dog Grooming | $63 | $759 |
| Drone | $17 | $199 |
| Ecommerce | $73 | $875 |
| Electrical | $112 | $1,344 |
| Engineering | $40 | $477 |
| Excavation | $464 | $5,567 |
| Florist | $43 | $512 |
| Food | $107 | $1,287 |
| Food Truck | $141 | $1,695 |
| Funeral Home | $60 | $722 |
| Gardening | $112 | $1,343 |
| Handyman | $243 | $2,919 |
| Home-based | $24 | $284 |
| Home-based | $46 | $547 |
| Hospitality | $65 | $780 |
| HVAC | $244 | $2,933 |
| Janitorial | $137 | $1,640 |
| Jewelry | $40 | $482 |
| Junk Removal | $162 | $1,942 |
| Lawn/Landscaping | $120 | $1,437 |
| Lawyers | $23 | $273 |
| Manufacturing | $64 | $764 |
| Marine | $28 | $335 |
| Massage | $95 | $1,146 |
| Mortgage Broker | $23 | $274 |
| Moving | $124 | $1,483 |
| Nonprofit | $36 | $429 |
| Painting | $143 | $1,719 |
| Party Rental | $79 | $950 |
| Personal Training | $24 | $286 |
| Pest Control | $32 | $385 |
| Pet | $56 | $670 |
| Pharmacy | $62 | $739 |
| Photography | $24 | $289 |
| Physical Therapy | $110 | $1,318 |
| Plumbing | $360 | $4,322 |
| Pressure Washing | $912 | $10,945 |
| Real Estate | $53 | $636 |
| Restaurant | $144 | $1,734 |
| Retail | $65 | $782 |
| Roofing | $387 | $4,639 |
| Security | $139 | $1,663 |
| Snack Bars | $117 | $1,404 |
| Software | $26 | $315 |
| Spa/Wellness | $106 | $1,276 |
| Speech Therapist | $31 | $373 |
| Startup | $29 | $342 |
| Tech/IT | $26 | $316 |
| Transportation | $37 | $450 |
| Travel | $21 | $249 |
| Tree Service | $129 | $1,552 |
| Trucking | $102 | $1,227 |
| Tutoring | $30 | $362 |
| Veterinary | $45 | $536 |
| Wedding Planning | $28 | $331 |
| Welding | $164 | $1,972 |
| Wholesale | $45 | $534 |
| Window Cleaning | $159 | $1,904 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Your actual premium depends on where your business is located, what industry you're in, how much coverage you choose, and other factors insurers consider. Available options differ by state.
How Much General Liability Insurance Do I Need in Colorado?
Colorado doesn't require most businesses to carry general liability insurance at the state level. Individual cities and counties can have their own insurance rules. Check your local government offices to understand area-specific requirements. Certain licensed trades must carry specific coverage to keep their professional licenses active:
Electricians
Colorado requires licensed electricians to carry general liability insurance with minimum limits of $500,000 per occurrence and $1,000,000 annual aggregate. Completed operations coverage must be included.
Electrical Sign Contractors
Electrical sign contractors in Colorado must maintain the same general liability coverage as electricians, with $500,000 per occurrence and $1,000,000 annual aggregate limits.
HVAC Contractors
Residential HVAC contractors typically need $300,000 per occurrence and $600,000 annual aggregate coverage, while commercial contractors may face higher minimum limits depending on their specific license classification.
Fire Safety Companies
Fire safety service companies must carry general liability insurance with minimum limits of $1,000,000 per occurrence and $2,000,000 annual aggregate.
Business insurance in Colorado (including general liability coverage) becomes essential for practical reasons, even without licensing mandates. Most commercial property owners demand proof of coverage before approving lease agreements. Large corporations and government contracts typically require valid insurance certificates from any contractor they hire. Make sure your coverage limits satisfy both your licensing standards and client expectations to avoid losing business opportunities.
How to Choose the Best General Liability Insurance in Colorado
Choosing general liability insurance in Colorado starts with determining what coverage your business actually needs and what premiums fit your budget.
- 1Figure out coverage requirements
Check Colorado licensing rules for your specific industry first. Many clients require $1 million in coverage, especially for construction or service contracts.
- 2Gather business information
Gather details like annual revenue, employee count, business classification and location.
- 3Compare multiple quotes
Request quotes from at least three insurers since business insurance rates varies.
- 4Review policy terms carefully
Focus on exclusions and coverage limits rather than just affordable rates. Some policies include legal defense expenses.
- 5Research insurer credentials
Verify company and agent licenses through Colorado's insurance department website. Check AM Best financial ratings and complaint records.
- 6Inquire about available discounts
Inquire about savings for bundling multiple coverage types, implementing safety programs or maintaining clean claims histories. These discounts can reduce your annual premium costs.
- 7Obtain certificate of insurance
Request your certificate immediately after purchase since clients and landlords often require proof of coverage. Some insurers provide instant online access while others need several days for processing.
How to Prevent General Liability Claims in Colorado
Even if you have the best coverage for your business, dealing with liability claims creates headaches for everyone. Colorado small business owners can prevent most issues through smart preparation and proactive planning.
Watch out for property hazards
Colorado's extreme weather creates serious slip-and-fall risks from ice, snow and rapid temperature changes. Check your property during the winter months and after storms. Also, put up adequate lighting and non-slip surfaces in high-traffic areas.
Train your people well
Proper training reduces accidents and liability exposure by teaching employees how to handle Colorado's unique challenges like altitude effects and weather-related safety issues.
Keep good records
Document everything with photos, written reports and detailed incident logs that capture Colorado's weather conditions when any event happens. Have all documents organized.
Get everything in writing
Written contracts help by defining work scope, property access, weather delay policies and responsibility for snow or ice removal.
Fix problems fast
Address complaints immediately by acknowledging concerns, investigating thoroughly and documenting your response.
General Liability Insurance in Colorado: Bottom Line
Selecting quality general liability insurance in Colorado means matching coverage to your specific business requirements. NEXT, The Hartford, and Nationwide stand out as top providers in the state, but your ideal choice depends on industry type, company size, and available budget. Smart business owners gather quotes from multiple insurers and verify each provider's licensing credentials before committing to coverage.
Commercial General Liability Insurance in Colorado: FAQ
Our research and analysis helped us answer the most common general liability insurance questions that Colorado business owners ask when shopping for coverage.
What does general liability insurance cover for Colorado businesses?
General liability insurance protects Colorado businesses from third-party bodily injury claims, property damage lawsuits and legal defense expenses.
How much does general liability insurance cost in Colorado?
General liability insurance for small businesses in Colorado costs between $81 and $118 monthly. The Hartford leads as the most affordable option at $81 per month, with Simply Business at $95 and Nationwide at $96 providing competitive alternatives.
Do Colorado businesses legally need general liability insurance?
Colorado does not legally require general liability insurance for most businesses. Licensed professionals like contractors and electricians must maintain specific coverage levels to preserve their licenses
Which company offers the best general liability insurance in Colorado?
NEXT ranks as Colorado's top general liability insurance provider, earning a 4.57 overall score with exceptional customer service and coverage quality.
What coverage limits should Colorado businesses choose?
Colorado businesses should first verify minimum coverage requirements for their industry licensing. Small businesses commonly select $1 million per occurrence and $2 million aggregate limits.
How We Scored the Best General Liability Insurance Companies in Colorado
Colorado businesses encounter specific liability challenges, including weather-related incidents and workplace accidents across diverse industries. Our analysis focused on finding general liability insurers that deliver solid protection without breaking small business budgets.
What We Evaluated
- Affordability (50%): Cost remains the biggest hurdle for small Colorado businesses seeking coverage. We analyzed rates from multiple carriers because reasonable pricing determines whether businesses can actually maintain protection.
- Customer experience (30%): Quality claims service separates good insurers from poor ones. Our review included J.D. Power ratings, Colorado state complaint data, and feedback from independent agents to assess real-world customer treatment.
- Coverage options (15%): Colorado businesses span many industries, each with distinct liability exposures. We examined how insurers customize general liability policies for local companies, from retail shops to construction firms.
- Financial strength (5%): Low premiums mean nothing if the insurer cannot pay claims. We checked AM Best ratings and financial stability reports to verify each company's ability to honor commitments.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- NEXT. "NEXT: Small Business Insurance Quotes Online." Accessed November 7, 2025.
- NEXT. "Customer Reviews | NEXT." Accessed November 7, 2025.
- Trustpilot. "Next Insurance Reviews." Accessed November 7, 2025.
- Trustpilot. "The Hartford Reviews." Accessed November 7, 2025.
- The Hartford. "When Is Liability Insurance Needed?." Accessed November 7, 2025.
- The Hartford. "What Does General Liability Insurance Cover?." Accessed November 7, 2025.