Business Insurance
Business insurance from a family-owned independent agency based in Firestone, Colorado, and licensed in 31 states. From a one-person shop to a growing fleet, we help business owners find coverage that fits how they actually operate.
Every business is different, and so is the insurance it needs. A contractor, a landlord with a few commercial units, a trucking company and a small retail shop face very different exposures. We start by learning how your business works, then look for coverage suited to it.
As an independent agency, we can look at more than one insurance company, including specialty markets for businesses that standard carriers decline.
Coverage for businesses
Commercial Property
Buildings, contents, and business personal property — including hard-to-place property risks.
General Liability
Premises and operations liability for a wide range of classes, including those declined by standard markets.
Commercial Auto
Coverage for commercial vehicles and fleets, placed with markets suited to the risk.
Excess & Umbrella
Additional limits over primary policies to protect against severe, large-loss exposures.
Professional & Specialty
Professional liability and specialty classes that call for specialized market knowledge.
Hard-to-Place Risks
Distressed, unusual, or previously declined accounts — bring us the risk and we’ll look for a market.
Pet Care Businesses
Liability coverage for pet sitters, dog walkers, groomers and trainers, which can include coverage for animals in your care.
Business Owners Policy (BOP)
A packaged policy combining property and liability coverage for small and mid-size businesses.
Workers' Compensation
Coverage for employee work-related injury and illness costs.
Builders Risk
Coverage for buildings and structures during construction or renovation.
Inland Marine
Coverage for movable property, equipment, and goods in transit.
Auto Physical Damage & Motor Truck Cargo
Physical damage and cargo coverage for trucking and motor-carrier risks.
Vacant Commercial
Property coverage for unoccupied commercial buildings.
Regional conditions your business insurance should reflect
Where you operate shapes your risks. In Colorado, for example, businesses deal with the same weather as households. Hail can damage roofs, signs, HVAC units and company vehicles. Wildfire can threaten buildings and interrupt operations near the foothills. Winter brings frozen pipes and slip-and-fall exposure at storefronts and job sites. How a policy handles each of these, including deductibles, valuation and business income, varies by policy and carrier.
We’ll help you read your current policies with those conditions in mind, and we’ll be honest about where a change makes sense and where it doesn’t.
Don’t see your business? Ask us anyway.
This list is representative, not complete. Available coverage and insurance companies vary by state and business. If you’ve been declined, non-renewed or quoted a price that doesn’t make sense, tell us about it. Ask us even if you don’t see your business here.
Already insured? Send us your current policies before renewal and we’ll review them with you, with no obligation to switch.
Helpful to have ready: a description of your operations, your annual revenue and payroll ranges, the number of employees and vehicles, your current policies and renewal dates, and recent claims history.
Get a business insurance quote
Tell us a little about what you need and we’ll follow up to review options with you.