Commercial Insurance for Colorado & Wyoming Businesses

Almost every business needs some form of commercial insurance. If you lease a space, serve customers, employ workers, drive for business, or work under contracts, you’ll likely need coverage like general liability, workers’ comp, or commercial auto. From retail stores and food trucks to contractors and consultants, we help all kinds of businesses in Colorado and Wyoming get the protection they need.

It depends on what you do, where you work, and what your clients or landlords require. A basic plan might start with general liability and property coverage. If you have employees, you’ll need workers’ comp. If you use a vehicle for work, commercial auto may be required. We’ll walk you through your risks and help you choose only the policies that apply—nothing extra.

Yes, bundling policies can simplify coverage and sometimes save you money. Many of our clients use what’s called a business owner’s policy (BOP), which combines general liability with property coverage. We can also package in commercial auto, umbrella, workers’ comp, or industry-specific options depending on your needs.

Yes. We work with a wide network of standard and specialty carriers—so even if your business has a complex risk profile, a high number of past claims, or operates in a tougher industry, we can often find coverage options that work.

Premiums vary based on your business type, location, number of employees, claims history, and how much coverage you need. A small sole proprietor might pay a few hundred dollars a year, while a larger operation with staff and vehicles will pay more. We’ll shop around to find you the best value for your coverage.

Yes. Once your policy is active, we can issue certificates of insurance (COIs) quickly—often same day. These are commonly needed for leases, vendor contracts, or licensing, and we’ll make sure you have what you need to keep things moving.

We’re not tied to one insurance company. That means we can give you honest advice, compare multiple quotes, and find coverage that actually fits your business—not just a one-size-fits-all plan. Plus, we’re local. You’ll get help from someone who knows your area and answers when you call.