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Commercial General Liability…. the foundation of your business insurance plan

If you are a business owner, you need Commercial General Liability Insurance (CGL). When it comes to business Insurance this is the foundation, the first type of policy you should purchase.

A CGL policy protects you from a loss resulting in injury (non-employee) or property damage. It provides liability coverage for your product or completed operation, such as a contractor’s finished project. If you have a business location where customers and clients visit you, you will need to protect yourself from “slip and falls” and most likely will need this coverage to satisfy your Landlord’s requirements. This policy is a critical safety net in today’s increasingly litigious
society.

However, not all CGL policies are the same. A typical CGL policy contains up to 20 exclusions! Purchasing the wrong policy, or being incorrectly classified could make your policy as worthless as the paper it is printed on.

Contact a Commercial Lines adviser at Mountain Insurance to assist you with finding the right policy at the best price.

The simple way to access the best Commercial General Liability Insurance options in Denver.

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WE KNOW YOUR BUSINESS

We are not like most agencies that just offer auto and home insurance…BUSINESS INSURANCE IS OUR SPECIALTY.

We “shop the market” to find you the best insurance value

We work for you, not the insurance companies.

We insure ALL businesses

Cancelled, poor claim history?… We insure ALL businesses.

Most common Denver Commercial General Liability questions from our clients

Does a Commercial General Liability (CGL) policy include Professional Liability?

The standard CGL policy excludes Professional Liability. However, some CGL policies can be endorsed to include it.

How is the premium for a Commercial General Liability calculated?

Once the rating exposure is classified (there are more than a thousand), the base premium is calculated as rate x premium basis (gross sales, payroll, area/square footage, subcontractor cost and Units being the most common).

Do I have to complete an audit at the end of the policy term?

YES, this is the means by which the insurance company receives the correct premium for the exposure.

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The right coverage at the best price. Colorado's trusted insurance advisers since 1997

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We are dedicated to providing our clients with the highest quality in business and personal insurance products and services at the most competitive prices in Denver, CO.

3705 Kipling Street, Wheat Ridge, CO 80033
303 420-4774
info@mountaininsurance.com