Shield Your Success: General Liability Insurance That Means Business
Partner with Fort Collins' trusted insurance experts for comprehensive coverage that safeguards your business success
Secure Your Business's Future: Why General Liability Matters
General Liability Insurance is your business's foundation of protection, safeguarding against the unexpected challenges that could impact your success. As your local insurance partner since 1992, FOCO Insurance understands the unique risks faced by Fort Collins businesses. We provide comprehensive coverage that protects against claims of bodily injury, property damage, and advertising injury, ensuring you can focus on growing your business with confidence.
What you should know
• Understanding essential liability coverage for your business• How to identify and protect against common business risks• Ways to customize coverage for your specific needs• Steps to secure cost-effective protection• Benefits of working with a local insurance partner
Ways To Save
• Bundle multiple policies for premium discounts• Implement risk management procedures to qualify for lower rates• Review and update coverage annually to ensure optimal pricing• Consider higher deductibles for lower premium payments• Take advantage of industry-specific safety programs• Maintain good claims history through proactive risk management
Prepare for your quote
• Basic business information (name, address, years in operation)• Industry classification and business activities• Annual revenue and payroll information• Number of employees• Claims history for the past 3-5 years• Safety and risk management procedures• Any specialized equipment or operations details
Why We Stand Out
• Local expertise since 1992 with deep understanding of Fort Collins business needs• Access to multiple carriers for competitive rates and comprehensive coverage• Personalized service with dedicated insurance advisors• Proactive support and claims assistance when you need it most
Understanding Your Home Insurance Options
FAQs
Yes, it's recommended for businesses of all sizes to protect against common risks that can result in costly lawsuits.
General liability insurance protects your business from financial loss due to third-party claims of bodily injury, property damage, and personal or advertising injury.
It covers legal defense costs, settlements, and judgments related to third-party bodily injury, property damage, and personal or advertising injuries like libel or slander.
It doesn't cover employee injuries (workers' compensation), professional errors (professional liability), auto accidents (commercial auto), or intentional acts.
Premiums are based on factors like business size, industry risk level, location, coverage limits, and claims history.
Occurrence Limit: The maximum amount the insurer will pay per incident. Aggregate Limit: The maximum amount the insurer will pay during the policy period.
Yes, many insurers offer package policies like a Business Owner's Policy (BOP) that combines general liability with property insurance.
Consider factors like your industry risks, contract requirements, and potential exposure to claims when choosing coverage limits.
A COI is a document that proves your business has insurance coverage, often required by clients or landlords.
General Aggregate Limit: The total limit for all claims during the policy term. Per-Project Aggregate Limit: Separate aggregate limits apply to each project, which is beneficial for construction businesses.
Experience the Difference
Ready to experience the difference of working with a trusted insurance partner? Book your appointment online or call us today for a personalized quote and expert advice.