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CO Insurance Specialist

6990 W. 38th Ave. #200
Wheat Ridge, CO 80033

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Common Commercial Insurance Exclusions

Commercial insurance is a worthwhile investment that cushions your Wheat Ridge, CO business against perils like fire, theft, liability claims, etc. While your business insurance may come to your rescue in many times of need, sometimes it can fall short. Standard commercial insurance from CO Insurance Specialists may not help you in the following circumstances:


Just like typical home insurance, business insurance doesn’t cover flooding. However, you can purchase a stand-alone flood insurance policy from the National Flood Insurance Program (NFIP) or private carriers.


If you have commercial property insurance, it’s unlikely to protect your assets from earthquake damage. Luckily, you can purchase an earthquake rider to bridge the gap.

Intentional acts

Commercial insurance won’t protect you if you commit willful damage or negligence. For instance, if you made a false statement against a competitor when you knew it wasn’t true, your insurer may not come to your rescue when sued for libel.

Criminal acts

If you or one of your workers break the law, don’t expect your insurer to bail you out. Unless you have fidelity insurance, your standard commercial insurance policy won’t protect you when your employee commits forgery, theft, and other crimes.

Risks above your coverage limit

Your business insurance will cover you up to the coverage limit. You will have to cover the difference from your pocket, something very common in liability coverage. The good thing is that you can avoid this trap by purchasing sufficient business insurance. Also, you can consider add-ons like umbrella insurance to boost your general liability insurance.

Commercial insurance in Wheat Ridge, CO 

Do you want to learn more about commercial insurance? You are in the right place. Please call CO Insurance Specialists or visit our office to speak to one of our agents.

Insurance Partners
  • Allied
  • Auto Owners
  • Bristol West
  • CNA
  • Hagerty
  • Hartford
  • Infinity
  • Progressive
  • Safeco
  • Secura
  • State Auto
  • Travelers