Business insurance for Colorado companies
Whether you own equipment, inventory, a building, a rental property, or the tools of your trade, we help you understand your risk and build coverage that grows with your business.
Determine what you need. Protect what you have built.
We help you understand the scope and risk of your business and map insurance to your assets. We also plan ahead, exploring a full range of options so your coverage keeps pace as you grow.
Taking care of clients has driven our agency for more than 20 years, and referrals remain our largest source of new business.
Property coverage
Protect your building, inventory, equipment, furnishings, and other physical property against covered causes of loss. Depending on the policy, coverage can also extend to equipment breakdown and debris removal after a covered loss.
Liability coverage
- General liability protects you if you are sued over accidents, injuries, or claims of negligence, such as a customer injured at your location.
- Product liability protects manufacturers and sellers if a product causes injury or damage.
- Professional liability (errors and omissions) protects service businesses against claims of mistakes or negligence.
Employee coverage
Colorado generally requires employers to carry workers compensation insurance, even with a single employee, with limited exceptions. Employment practices liability can protect you against claims such as wrongful termination or discrimination.
Commercial auto
Vehicles used for business need business auto coverage. Personal auto policies often exclude business use, leaving a dangerous gap.
Data breach and cyber coverage
If customer or employee personal data is stolen or accidentally released, data compromise coverage helps pay for notification, legal, and recovery costs.
Running a business from home?
Homeowners policies typically offer limited or no coverage for business property, customer items, or business liability. A business policy or endorsement closes that gap.
Common questions
What business insurance do I need?
Most businesses start with general liability and property coverage, often combined in a business owner's policy (BOP). Depending on your operations, you may also need commercial auto, workers compensation, professional liability, cyber coverage, or an umbrella. We will review your operations and contracts to recommend the right mix.
Is workers compensation required in Colorado?
In Colorado, most employers with one or more employees are required to carry workers compensation insurance. There are limited exceptions, so talk with us about your specific situation.
Does general liability cover independent contractors?
Usually not directly. Contractors are generally expected to carry their own coverage, and you should collect certificates of insurance. Read our article on whether general liability covers independent contractors.
Does my homeowners policy cover my home business?
Typically only to a very limited extent. Business equipment, inventory, and liability for clients visiting your home often require a separate business policy or endorsement.
Other coverage we place
Find out what better coverage costs.
Tell us what you want to protect. We compare carriers, explain the trade-offs, and come back with clear options.