Denver, Colorado Business Insurance — Fast Quotes & Certificates
General liability, BOP, workers comp, commercial auto, professional liability, cyber… friendly help for Denver companies with same-day COIs.
What we write
GL, BOP, WC, commercial auto, professional liability (E&O), cyber, umbrella, bonds — we compare multiple carriers for Denver and the Front Range.
New to biz insurance? Start with our coverage comparison for simple definitions.
Denver factors
Payroll & revenue, class codes, premises/operations, driving radius on I-25/I-70/US-36, and lease/contract requirements affect pricing and limits.
Start today
Have FEIN (or SSN), address, operations summary, payroll/driver list, and any contract/lease requirements. We can issue same-day certificates.
Need a certificate of insurance (COI) today?
We'll quote, bind, and email COIs fast — add additional insured or waiver of subrogation if required.
Core business insurance for Denver companies
General Liability (GL)
- Slip/Trip/Property damage to others
- Required by leases & vendors
- Add Additional Insured / Waiver when needed
Business Owners Policy (BOP)
- GL + Business Property
- Loss of income/extra expense
- Great for offices, retail, contractors
Workers’ Comp (WC)
- Employee injury benefits
- CO compliance & audits
- Owner inclusion/exclusion options
Commercial Auto
- Business liability & hired/non-owned
- Certificates for job sites
- Fleet & radius underwriting
Professional Liability (E&O)
- Advice/services mistakes
- Retro dates & claims-made
- Pair with GL for complete mix
Cyber
- Data breach, ransomware, BEC
- Incident response coaches
- Required by many contracts
Denver industry add-ons
Contractors
CG 20 10/37 endorsements, primary & noncontributory, waiver of subrogation, tools & equipment (inland marine).
Retail/Restaurants
Food spoilage, equipment breakdown, liquor liability, cyber for POS, employee dishonesty.
Professional/Tech
E&O with cyber, media/IP, network security, regulatory defense; review policy forms at bind.
What do I need for a business insurance quote?
Legal name/FEIN, operations description, payroll/revenue, addresses, and prior coverage. Start via our online form or call.
GL vs BOP — what’s the difference?
GL covers third-party injury/property; a BOP bundles GL + your business property & income. See our comparison.
Do I need workers’ comp in Colorado?
Most employers must carry WC. We’ll confirm class codes and owner inclusion/exclusion when we quote.
Can you issue a COI the same day?
Yes — we email certificates with Additional Insured/Waiver language as required by your lease or GC.
What limits are common for small Denver firms?
GL $1M/$2M, auto $1M CSL, BOP property based on rebuild cost, cyber $250k–$1M; umbrella adds another $1M–$5M.
What drives price the most?
Class code risk, payroll/revenue, loss history, driver MVRs, radius, and contract endorsements (AI/PNC/waiver) affect premiums.
Can I finance premiums monthly?
Yes — carrier billing or premium finance is available; paid-in-full may save. We’ll show both.
Do startups pay more?
Often similar to small established firms; clear operations and safety practices help. See our guide.
Are audits scary?
They’re routine — true-up payroll/revenue annually. We’ll help prep so there are no surprises.
Can you shop multiple carriers at once?
Yes, we’re independent — we’ll compare several markets and email side-by-side options.
Do I need E&O if I already have GL?
GL excludes professional services; E&O covers advice/service mistakes. Many office/tech firms carry both.
Cyber — is it necessary for small firms?
Even a single BEC or ransomware attempt can be costly. Cyber adds incident response and legal support — contracts increasingly require it.
What’s Hired/Non-Owned Auto?
Coverage when employees drive personal/rented vehicles for work; often required by contracts. Add it to GL/BOP or Commercial Auto.
Tools & equipment coverage?
Inland marine covers mobile gear and materials. We’ll schedule high-value items and add theft protection tips.
Do I need umbrella?
Umbrella adds $1M–$5M over GL/Auto/WC employers liability. Many Denver contracts require it.
How fast can you bind and send proof?
Same day in most cases — we’ll email binder and COIs after signatures/payment.
Can you add Additional Insured and Waiver language?
Yes — we attach AI, PNC, Waiver of Subrogation, and project-specific endorsements your GC or landlord requests.
Will my premium change mid-term?
Exposure changes (new hires, vehicles, revenue) can adjust premium. Tell us early; we’ll update COIs immediately.
Can I switch carriers at renewal?
Absolutely — we reshop every year and compare pricing/coverage side-by-side.
Do you help with contract reviews?
We review insurance sections and match endorsements. Send the page to your agent when you request a quote.
What if I have a claim?
Call us first — we’ll triage GL/Auto/WC/E&O and loop in the carrier. Document photos, witnesses, and preserve evidence.
How do I lower WC costs?
Accurate class codes, return-to-work plans, and safety training. We’ll request experience modification reviews.
Driver MVR problems?
We’ll structure acceptable driver lists, add telematics where helpful, and reshop if needed.
Do I need bonds?
We can issue license & permit bonds and performance/payment bonds; send the form with your quote.
Can you handle multi-state exposures?
Yes — we write in 35+ states; we’ll list additional states for WC/auto and align limits/endorsements.
Need Denver business insurance?
We'll compare carriers, issue COIs fast, and keep endorsements aligned with your contracts.
Last Updated on by Shawn Christie