Business insurance that fits how you operate

Covers claims that your business operations, products or completed work injured someone or damaged their property. It's the coverage most often required by contracts and leases, and the one certificates of insurance usually ask about.

To quote, we'll ask for: what your business does, annual revenue or payroll, years in business, and any contract requirements you need to meet.

Protects buildings you own, plus equipment, inventory, furniture and tenant improvements. A business owner's policy (BOP) can package property and liability together for many smaller businesses.

To quote, we'll ask for: location addresses, building details if you own it, and the value of your equipment and inventory.

For vehicles owned by or used for the business, like service vans and pickups. Hired and non-owned auto coverage protects you when employees drive their own cars or rentals for work.

To quote, we'll ask for: a vehicle list with VINs, drivers, and how the vehicles are used. Running semis under your own authority? See trucking.

Colorado requires most employers to carry workers' comp. It pays medical bills and lost wages for employees hurt on the job and protects the business from related lawsuits.

To quote, we'll ask for: the number of employees, payroll by job type, and any prior claims.

We can also discuss umbrella and excess liability, inland marine for tools and equipment on the move, and surety bonds. If you're not sure what you need, tell us about the business and we'll start there.