We researched the best business insurance options to answer your top questions about general liability insurance in Colorado based on our detailed analysis and research:
Best General Liability Insurance in Colorado
NEXT leads Colorado general liability insurance, while The Hartford offers the lowest rates starting at $81 per month.
Get matched to the best and cheapest general liability insurer for you below.
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Updated: November 20, 2025
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Commercial General Liability Insurance in Colorado: Fast Answers
Which company offers the best general liability insurance in Colorado?
NEXT and The Hartford tie as the best general liability insurance company in Colorado, both earning 4.57 out of 5 overall scores. The Hartford offers the most affordable coverage at $81 per month with excellent claims handling. NEXT provides strong digital tools and customer service for $102 per month.
Who offers the cheapest general liability insurance in Colorado?
The cheapest general liability insurance companies in Colorado are:
- The Hartford: $81 per month
- Simply Business: $95 per month
- Nationwide: $96 per month
- Progressive: $99 per month
- NEXT: $102 per month
Do Colorado businesses legally need general liability insurance?
Colorado doesn't legally require most businesses to carry general liability insurance at the state level. However, specific licensed trades like contractors and electricians often must maintain minimum coverage amounts. Local municipalities may have their own requirements, and most landlords and clients demand proof of insurance before signing contracts.
How much does general liability insurance cost in Colorado?
General liability insurance costs between $17 and $912 per month for small Colorado businesses with two employees. Drone businesses usually see the lowest rates at $17 per month, while pressure washing companies land at the higher end at $912 per month. Your actual premium depends on your industry, business location, coverage limits and company size.
Best General Liability Insurance Companies in Colorado
NEXT and The Hartford lead our list of general liability providers in Colorado. NEXT delivers excellent customer service, while The Hartford offers strong affordability and financial stability. Nationwide is another solid choice with dependable customer service and competitive pricing for small businesses in the state.
| NEXT Insurance | 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 reflect MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
Get Matched to the Best Cheap Colorado General Liability Insurer
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LEARN MORE ABOUT THE BEST BUSINESS INSURANCE IN COLORADO
General liability insurance covers customer injuries and property damage for Colorado businesses, but it won’t protect against every risk your business may encounter. Explore these related guides for complete coverage:
Best Colorado General Liability Insurance Reviews
Finding the right general liability insurance provider in Colorado involves more than comparing prices. Our research reveals which business insurers offer the best combination of coverage and service.
NEXT
Best Colorado General Liability Insurer
MoneyGeek Rating
4.6/ 5
4.3/5Affordability
4.7/5Customer Experience
4.8/5Coverage Points
Average Monthly General Liability Premium
$102These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Our Survey: Claims Process
3.9/5Our Survey: Likely to Be Recommended to Others
4.8/5
Nationwide
Best Colorado Commercial General Liability: Runner-Up
MoneyGeek Rating
4.5/ 5
4.4/5Affordability
4.6/5Customer Experience
4.6/5Coverage Points
Average Monthly General Liability Premium
$96These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Our Survey: Claims Process
3.9/5Our Survey: Likely to Be Recommended to Others
4.3/5
Cheapest General Liability Insurance Companies in Colorado
The Hartford offers the cheapest general liability insurance in Colorado at $81 per month, saving businesses $21 or 20% compared to the state average. Simply Business and Nationwide also provide affordable coverage options.
| The Hartford | $81 | $973 |
| Simply Business | $95 | $1,139 |
| Nationwide | $96 | $1,154 |
| Progressive Commercial | $99 | $1,190 |
| NEXT Insurance | $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 reflect small businesses with two employees across 79 major industries and focus solely on general liability policies. Your 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.
Cheapest General Liability Insurance in Colorado by Industry
MoneyGeek's research identifies the five most affordable general liability insurance providers by industry in Colorado.
- The Hartford dominates affordability across 23 industries, leading in diverse sectors from construction and cleaning to food trucks and security services.
- Simply Business ranks as the cheapest option in 12 industries, excelling with professional service businesses like accountants, lawyers, consulting firms and software companies.
- Thimble wins 11 industries with strong performance in service-based sectors including barber shops, dog grooming, tutoring and wedding planning.
- biBerk also captures 11 industries, focusing primarily on contractor and trade businesses like catering, handyman services, trucking and veterinary practices.
- NEXT offers the most affordable coverage in seven industries, strong for dental practices, photography studios and tech companies.
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Data filtered by:
Select
| Automotive | Coverdash | $110 | $1,314 |
| Accountants | Simply Business | $14 | $171 |
| Ad Agency | Thimble | $99 | $1,186 |
| Auto Repair | Coverdash | $115 | $1,374 |
| Beauty Salon | Progressive Commercial | $112 | $1,341 |
| Bakery | Simply Business | $85 | $1,020 |
| Barber | Thimble | $98 | $1,170 |
| Cannabis | The Hartford | $52 | $628 |
| Bounce House | The Hartford | $55 | $656 |
| Candle | Simply Business | $95 | $1,145 |
| Catering | biBERK | $169 | $2,028 |
| Cleaning | The Hartford | $99 | $1,185 |
| Construction | The Hartford | $129 | $1,543 |
| Coffee Shop | Simply Business | $84 | $1,003 |
| Computer Programming | Thimble | $98 | $1,170 |
| Computer Repair | The Hartford | $37 | $442 |
| Courier | The Hartford | $165 | $1,980 |
| Consulting | Simply Business | $14 | $171 |
| Contractor | biBERK | $203 | $2,431 |
| Dental | NEXT Insurance | $12 | $149 |
| Daycare | The Hartford | $25 | $305 |
| DJ | Simply Business | $11 | $137 |
| Dog Grooming | Thimble | $36 | $428 |
| Ecommerce | biBERK | $83 | $1,000 |
| Drone | The Hartford | $13 | $152 |
| Electrical | The Hartford | $84 | $1,008 |
| Excavation | biBERK | $368 | $4,418 |
| Engineering | biBERK | $17 | $200 |
| Florist | Simply Business | $31 | $366 |
| Food Truck | The Hartford | $110 | $1,316 |
| Food | Progressive Commercial | $105 | $1,262 |
| Gardening | Coverdash | $95 | $1,142 |
| Funeral Home | NEXT Insurance | $44 | $526 |
| Handyman | biBERK | $173 | $2,080 |
| Home-based | NEXT Insurance | $46 | $547 |
| Home-based | The Hartford | $17 | $208 |
| HVAC | Thimble | $107 | $1,282 |
| Hospitality | biBERK | $139 | $1,668 |
| Janitorial | Nationwide | $97 | $1,163 |
| Jewelry | Thimble | $163 | $1,952 |
| Lawyers | Simply Business | $14 | $171 |
| Junk Removal | The Hartford | $125 | $1,505 |
| Lawn/Landscaping | Progressive Commercial | $95 | $1,136 |
| Manufacturing | Nationwide | $20 | $239 |
| Marine | The Hartford | $23 | $279 |
| Mortgage Broker | NEXT Insurance | $16 | $188 |
| Massage | Hiscox | $91 | $1,096 |
| Painting | The Hartford | $110 | $1,314 |
| Moving | Nationwide | $85 | $1,024 |
| Nonprofit | biBERK | $26 | $313 |
| Personal Training | The Hartford | $18 | $222 |
| Party Rental | Hiscox | $84 | $1,007 |
| Pest Control | The Hartford | $25 | $299 |
| Pet | Thimble | $36 | $428 |
| Pharmacy | biBERK | $100 | $1,202 |
| Physical Therapy | Thimble | $850 | $10,202 |
| Photography | NEXT Insurance | $13 | $159 |
| Plumbing | Simply Business | $269 | $3,226 |
| Pressure Washing | The Hartford | $846 | $10,158 |
| Roofing | Thimble | $206 | $2,466 |
| Real Estate | Nationwide | $119 | $1,431 |
| Restaurant | Coverdash | $98 | $1,180 |
| Retail | Progressive Commercial | $91 | $1,092 |
| Security | The Hartford | $109 | $1,310 |
| Snack Bars | The Hartford | $89 | $1,064 |
| Speech Therapist | Simply Business | $20 | $238 |
| Software | Simply Business | $14 | $171 |
| Spa/Wellness | NEXT Insurance | $84 | $1,010 |
| Speech Therapist | Nationwide | $20 | $238 |
| Startup | Simply Business | $14 | $171 |
| Tech/IT | NEXT Insurance | $16 | $188 |
| Tree Service | Nationwide | $85 | $1,024 |
| Transportation | The Hartford | $31 | $372 |
| Travel | The Hartford | $16 | $188 |
| Trucking | biBERK | $85 | $1,014 |
| Tutoring | Thimble | $98 | $1,170 |
| Veterinary | biBERK | $25 | $296 |
| Wholesale | Coverdash | $34 | $402 |
| Wedding Planning | Thimble | $86 | $1,030 |
| Welding | The Hartford | $133 | $1,595 |
| Window Cleaning | The Hartford | $127 | $1,525 |
Average Cost of General Liability Insurance in Colorado
Most small businesses in Colorado pay around $102 monthly for general liability insurance. The average cost of general liability coverage depends on your industry, business size, location and coverage limits.
Manufacturing companies often pay higher premiums due to increased risk exposure, while accounting firms usually pay less because they have lower liability concerns. Sole proprietors generally pay lower rates compared to businesses with multiple employees since they have fewer risk factors.
Average Cost of General Liability Insurance in Colorado by Industry
General liability insurance costs in Colorado vary widely by industry, ranging from $17 monthly for drone businesses to $912 for pressure washing companies. These rates show how your business type affects your general liability coverage costs. Review this table to find rates specific to your industry.
Data filtered by:
Select
| 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 reflect small businesses with two employees across 79 major industries and focus solely on general liability policies. Your 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.
What Factors Affect Colorado General Liability Insurance Costs?
A few important factors affect how much Colorado businesses pay for general liability insurance coverage.
Colorado's Legal and Regulatory Environment
Colorado small businesses have operated under a different liability environment since January 1, 2025. House Bill 24-1472 increased non-economic damage caps from $250,000 to $1.5 million and wrongful death caps to $2.125 million, with biennial inflation adjustments starting in 2028. The American Tort Reform Association now labels Colorado a "Lawsuit Inferno" due to expanded liability protections for plaintiffs.
Attorney advertising and third-party litigation funding have intensified, pushing your business's potential claim costs higher. Claimants increasingly wait for larger settlements rather than accepting early offers, which drives up what insurers pay and what you'll spend on general liability coverage.
Colorado's Rising Medical and Healthcare Costs
Medical expenses directly affect what you pay for general liability insurance in Colorado because your policy covers treatment costs when customers get injured at your business. Hospital operating expenses climbed 7.4% in 2024, and labor costs jumped 16% as facilities compete for workers.
Colorado is projected to have a shortage of 54,000 healthcare workers by 2026, which adds pressure on wages and service costs. Medical inflation keeps accelerating even though general price increases have slowed. When a slip-and-fall or customer injury happens, your insurer pays these inflated medical bills, which translates to higher premiums for Colorado business owners.
Geographic Cost Variations Within Colorado
Your business location impacts your general liability rates across Colorado. Front Range metro areas like Denver, Aurora and Colorado Springs see higher premiums than Western Slope communities. You'll pay more in urban areas because of increased foot traffic, more frequent customer injury claims and higher local medical costs.
Metropolitan juries also tend to award larger settlements than rural communities for similar incidents. Population density matters because a retail shop in downtown Denver simply encounters more potential liability situations daily than a comparable business in Grand Junction, and insurers price your coverage accordingly.
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. However, local cities and counties throughout Colorado set their own commercial general liability requirements for licensed contractors. Licensed electricians must register as electrical contractors with the Colorado Division of Professions and Occupations and comply with workers' compensation laws, but general liability insurance amounts are determined locally.
Insurance requirements vary across Colorado jurisdictions:
Pikes Peak Regional Building Department
Contractors with Class A licenses need $500,000 per occurrence and $1 million aggregate coverage. Class B and C license holders need $300,000 combined single limit coverage.
Larimer County
Class A, B and C general contractors must carry $1 million combined single limit coverage. Contractors with single trade, roofing or mechanical licenses need $300,000 combined single limit coverage.
City of Longmont
General contractors need $1 million per occurrence, $2 million general aggregate and $2 million products completed aggregate coverage.
City of Boulder
Contractors must maintain $1 million per occurrence and $2 million aggregate coverage.
Beyond licensing requirements, most commercial clients and property owners require proof of general liability insurance before signing contracts or leases. We recommend Colorado businesses maintain at least $1 million per occurrence and $2 million aggregate coverage. This amount satisfies most local licensing requirements and contractual obligations across the state.
Note: State requirements change often. Check current rules with the Colorado Division of Insurance or talk to a licensed agent before buying coverage.
How to Choose the Best General Liability Insurance in Colorado
Getting business insurance in Colorado starts with matching coverage to your specific risks and budget. General liability covers customer injuries and property damage claims, but comprehensive financial protection requires combining multiple policies. Smart business owners evaluate their industry exposures, local requirements and contractual obligations before choosing coverage amounts.
- 1Assess Coverage Needs
Most Colorado businesses have no state-level mandate for general liability insurance, but your city or county may set specific minimums for contractors. Pikes Peak requires $500,000 per occurrence for Class A licenses, while Larimer County demands $1 million combined single limit coverage. Review your local jurisdiction’s rules and any contract obligations before choosing your business insurance coverage limits.
- 2Prepare Business Information
Pull together your EIN from the IRS, your entity ID number from the Colorado Secretary of State and your sales tax license from the Department of Revenue before requesting quotes. Insurers calculate your premium based on annual revenue, employee count, physical location and your specific business classification code. Having your business registration and local permits organized saves time and ensures accurate pricing.
- 3Compare Multiple Quotes
Get quotes from at least three insurers licensed through Colorado's Division of Insurance to find competitive rates for your business. Colorado business insurance costs can swing by several hundred dollars annually between carriers offering identical coverage, so examine deductibles, limits and how defense costs apply. Online comparison tools help you review multiple Colorado insurers quickly without multiple phone calls.
- 4Review Policy Details
Don't pick a policy solely based on affordable business insurance rates when evaluating your options. Read exclusions carefully and understand whether legal defense costs count toward or are separate from policy limits. Common exclusions like professional errors, pollution or employee injuries require separate policies, so understanding these gaps prevents coverage surprises later.
- 5Verify Insurer Credentials
Confirm your chosen insurer holds an active Colorado license through the Division of Insurance's online verification system and check their complaint ratio in annual Division reports. The best insurance for your business comes from financially stable carriers with AM Best ratings of A- or higher and complaint index scores under 1.0. Solid financial backing matters when you file large claims since shaky insurers tend to delay or dispute legitimate payouts.
- 6Explore Available Discounts
Bundle your general liability with commercial auto or property coverage to unlock discounts of 10% to 25% on your total Colorado premium. Carriers also cut rates for businesses maintaining clean claims histories over three years, completing safety training programs or paying annually instead of monthly. Adding security cameras or fire suppression systems demonstrates lower risk and often qualifies you for additional premium reductions.
- 7Obtain Certificate Documentation
Your Colorado clients, landlords and general contractors require proof of insurance before you start work on their property or sign any contracts. Most insurers now provide digital certificates instantly through online portals, though some Colorado carriers still need 24 to 48 hours for processing. Save your agent's contact details for urgent certificate requests that could otherwise stall project kickoffs.
- 8Schedule Annual Reviews
Review your coverage each year before renewal, especially if you’ve opened new Colorado locations, added employees or increased your revenue. Request fresh quotes 60 to 90 days before your policy expires since Colorado insurers regularly adjust rates based on your claims record and local market conditions.
This annual checkup helps catch compliance gaps with updated local requirements and avoids surprise audit charges.
Top General Liability Insurance in Colorado: Bottom Line
Finding the right general liability insurance in Colorado comes down to understanding your specific business needs and comparing providers thoroughly. NEXT, The Hartford and Nationwide represent strong options in the market, but your ideal choice depends on your industry, company size and budget constraints. Get quotes from multiple insurers and verify their credentials before making your final decision.
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
- American Tort Reform Association. "Colorado Dubbed 'Lawsuit Inferno' as Litigation Risks Soar After 2025 Legislative Session." Accessed November 28, 2025.
- Colorado Department of Health Care Policy & Financing. "Colorado Department of Health Care Policy & Financing Releases Hospital Transparency Reports." Accessed November 28, 2025.
- Colorado Division of Insurance. "Congressional Inaction Leads to An Average Doubling of Health Insurance Costs for 225,000 Hardworking Coloradans." Accessed November 28, 2025.
- Colorado General Assembly. "HB24-1472 - Raise Damage Limit Tort Actions." Accessed November 28, 2025.
- The Denver Post. "Hospital systems in Colorado reported improved finances in 2024." Accessed November 28, 2025.