What situations or damages are NOT covered by general liability insurance?
General liability insurance has specific exclusions. It typically does not cover professional errors or omissions (you'd need professional liability), injuries to your employees (that's workers' compensation), or damages due to vehicle accidents (commercial auto insurance). Intentional acts, punitive damages, and property damage to your own business's property are also generally excluded.
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Straightforward guidance on general liability exclusions for Wyoming and Colorado businesses.
WHAT GENERAL LIABILITY DOESN'T COVER
General liability insurance protects your Wyoming or Colorado business from claims during normal operations—customer injuries on your property, accidental damage to someone's property, or advertising injury claims. But it has important gaps. It won't cover professional mistakes or bad advice (that requires professional liability or errors and omissions insurance). It doesn't cover your employees if they get hurt on the job—that's what workers' compensation is for, and it's required by law in Wyoming if you have employees. Vehicle accidents aren't covered either; you need commercial auto insurance for that. If you accidentally damage your own business property—like backing your forklift into your own wall—general liability won't pay for it.
INTENTIONAL ACTS AND PUNITIVE DAMAGES
General liability won't cover damage or injuries you cause intentionally or with your consent. If you or an employee deliberately harm someone or their property, you're on your own financially. Punitive damages—the extra money courts sometimes award to punish especially bad behavior—also aren't covered. These exclusions exist to prevent people from using insurance to shield themselves from the consequences of intentional wrongdoing. Additionally, general liability typically won't cover criminal acts by you or your employees, or situations where you knew damage would occur and did it anyway.
CLOSING YOUR BUSINESS'S COVERAGE GAPS
Most Wyoming and Colorado businesses need more than just general liability. If you give professional advice or services—accounting, consulting, IT work, contracting—you need professional liability (E&O) insurance. If you have employees, Wyoming law requires workers' comp. If your business uses vehicles, you need commercial auto insurance separate from your personal policy. If you run your business from home, your homeowners insurance won't cover business property or liability—you need a business owners policy (BOP) or home-based business coverage. We help Mountain West businesses identify these gaps and find affordable coverage that actually protects what you've built. Most of our clients discover coverage needs they didn't know existed when we review their situation properly.
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If an incident occurs, the first step is to report it to us as soon as possible. We'll help you gather all necessary information about the event, like date, time, involved parties, and any witnesses. Then, the insurance company will investigate the claim, and if covered, we'll work to resolve it, either through direct payment or legal defense. Our JWR team is here to guide you through every step.
Even if you operate a home-based business or a small startup in Wyoming or Colorado, general liability insurance is crucial. Unexpected accidents can lead to costly lawsuits that could devastate your business financially. It provides peace of mind and often is required by clients, landlords, or for obtaining business licenses.
General liability insurance primarily protects your business from claims of third-party bodily injury, property damage, and advertising injury. For example, if a customer slips and falls in your Colorado store, or if you accidentally damage a client's property, this policy helps cover medical expenses, repair costs, and legal defense fees.
General liability insurance has specific exclusions. It typically does not cover professional errors or omissions (you'd need professional liability), injuries to your employees (that's workers' compensation), or damages due to vehicle accidents (commercial auto insurance). Intentional acts, punitive damages, and property damage to your own business's property are also generally excluded.
The cost of general liability insurance varies widely depending on your business type, industry risk, location (like operating near the oil fields in Wyoming), and your chosen coverage limits. A small consulting firm will pay less than a construction company. The best way to get an accurate price is to chat with us for a personalized quote tailored to your specific business needs.
General liability is foundational, covering broad third-party risks like bodily injury and property damage. A Business Owner's Policy (BOP) combines general liability with commercial property insurance, making it a cost-effective package for many small businesses. Professional Liability (also called Errors & Omissions) is separate and covers claims arising from mistakes, negligence, or failure to perform professional services. We can help you determine the best fit for your business.