General Liablity Insurance
Colorado General Liability Business Insurance
Does your business have enough liability coverage?
If you are relying on the liability coverage provided through a Business Owner’s Policy (BOP), then chances are you do not have enough. Although a BOP does provide liability coverage for businesses, it is often at a small limit and not enough to cover costs due to claims and lawsuits.
Does your business qualify for Aurora general liability coverage?
It is important to know which market your business falls into before you shop for liability insurance. Those businesses that fall into the “excess surplus market” (i.e. “dangerous” occupations such as roofers, siders, etc.) have to purchase excess liability insurance. If your business falls into the “standard market” (i.e. technology companies, lawyers, etc.) then you qualify for general liability insurance.
Aurora General liability insurance protects your business from a variety of things. Typically, your insurance agent can create a customized policy for you to include different types and amounts of coverage. The following coverage is often included in a general liability line:
Business Personal Property (BPP)
Protection of your business’ property from:
Fire
Theft
Vandalism
Claims due to:
Bodily injury
Property Damage
Terrorism coverage
And more…
Aurora General Liability insurance protects a business from many liability issues, but business owners should also consider adding specialized liability coverage like errors & omissions insurance. Contact DCInsurers for information on all of the business insurance lines we offer and a free quote for general liability insurance.
Specialty Liability Insurance
Professional Liability
Aurora General Liability insurance does not protect your business against claims of professional negligence, or for failure to perform your professional duties. For this type of coverage, the business will need a separate Professional Liability policy.
Aurora Professional Liability Insurance protects your business against loss from a claim of alleged negligent acts, errors or omissions in the performance of your professional services.
The policy normally pays for any resulting judgments against you, including court costs, up to the coverage limits on your policy.
Aurora Employment Practices Liability
Employment practices liability coverage protects an employer against an employee’s claims such as:
Wrongful Termination
Sexual or Workplace Harassment
Wrongful Discipline
Age Discrimination
Violation of Employment Discrimination Laws
Violation of Americans with Disabilities Act
Wrongful Failure to Employ or Promote
Wrongful Deprivation of a Career Opportunity
Breach of Employment Contract
Employment Related Misrepresentation
Failure to Adopt Adequate Workplace Employment Policies & Procedures
Illegal Retaliatory Treatment
Invasion of Privacy
Negligent Evaluation
Employment Related Wrongful Infliction of Emotional Distress
The purpose of this insurance is to protect the corporation, directors, officers and employees from alleged employment-related wrongful acts. Some features to having this policy are Coverage for front/back pay, attorneys’ fees and compensatory damages, for punitive damages where insurable by law, for actual or alleged retaliatory treatment, varying retention’s for class action suits or other claims, for emotional distress or mental anguish, no purposeful or intentional acts exclusion or reductions in force or mass layoffs exclusion.*
*Coverage varies from company to company.
Aurora Directors & Officers Liability
Directors and officers liability coverage protects directors and officers against claims alleging negligence, errors and omissions, misstatements, misleading statements and misrepresentations.
Most organizations have a general liability policy that protects its directors and officers against negligent acts that result in bodily injury or property damage. However, general liability does not protect against alleged wrongful acts or omissions, including breach of duty, which do not result in bodily injury.
Directors and officers coverage protects your executives from potential lawsuits resulting from key decisions or management practices-lawsuits that may target their personal assets.
A comprehensive Directors & Officers liability policy can provide the following:
Insured’s include
Directors
Officers
Committee Members
Volunteers
Trustees or Employees
Aurora Comprehensive D&O Insurance can:
Defend Prior Acts
Defend Non-Monetary Damages
Provide Duty to Defend Coverage
Defend Libel, Slander & Defamation of Character
Defend Discrimination, Sexual Harassment and Wrongful Discharge
Crime coverage can extend to those who may have access to your companies funds:
Employee Dishonesty
Money & Securities
Forgery & Depository
Pollution / Environmental Liability
Environmental coverage generally falls into two categories. Errors and omissions coverage, also known as professional liability, protects a professional who mistakenly designs a facility that causes pollution in some way. Pollution incident coverage protects professionals on the job in case they cause a pollution incident by perhaps backing into a sewage pipe.
Policies for environmental consultants can feature broad coverage specifically tailored to the specific needs of a professional in the environmental field. Coverage may include pollution incident and asbestos coverage as well as retroactive coverage for eligible firms.
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Why submit a form online? It lets us know you’re serious about getting a General Liability Insurance today. More importantly it helps us ensure the greatest efficiency and accuracy in working with each new account. We NEVER share your information with a 3rd party and during normal business hours you can expect a call back in 30 minutes or less from an agent with specific knowledge for your needs and your location.
