Don't be surprised if the first response you get from your insurance company is a denial when you file a claim or ask it to defend a claim against you or your company. Many insurance companies use the “flinch test.” They first deny claims, hoping that the insureds will drop the matter. Don’t let your company get away with that practice. Make certain that you really do not have coverage before dropping the matter.
Most Colorado contractors and subcontractors carry comprehensive general liability (CGL) insurance. Since their policies are on forms prepared by insurance company-sponsored organizations, CGL insurance policies are neither comprehensive nor general.