I see.
One of my "Colony Worlds" is a gas planet approx the size of Saturn, which contains 5 moons. 1 moon is aquatic, 2 moons are capable of hosting life (but did not evolve anything beyond vegetation). Since those living there are colonists, I can assume that would be okay. I am glad I don't have to go out of my way to handwave why the moons of a Gas Giant could contain life.