A couple of minutes can save you up to 65% or more with
Colorado's top-rated contractors' insurance programs –
Contractors
Insurance
Colorado
Colorado
Contractors Insurance
Stop overpaying for coverage in the Centennial State!
A couple of minutes can save you up to 65% or more with Colorado’s top-rated contractors’ insurance programs –
Coverage for Colorado Contractors
With access to the nation's premier construction risk programs, our Colorado Contractors Insurance packages place a financial barrier between businesses and unpredictable claims -
Why do I need Contractors Insurance?
Contractors’ insurance protects against the financial risks present at all stages of business operations.
Colorado contractors face the grueling task of operating in a safe work environment surrounded by unrelenting risk exposure. Builders and artisans of all trades sizes are susceptible to third-party injury or property damage claims. Falls, electrocution, caught-in, and struck-by objects hazards make things even more complicated, as “falls” are a leading cause of work-related injury on most construction sites. An unexpected lawsuit can leave an uninsured business owner financially devastated.
Just as regimental workplace safety and employee training are crucial factors in alleviating risk, placing a financial hedge around your business with affordable contractors’ insurance is vital as it will provide the essential protection needed against third-party action.
Protect Against the Unpredictable
We encourage all contractors, subcontractors, and specialty trades pursuing business in Colorado to visit your local jurisdiction to review licensing and insurance requirements before commencing operations.
With low premiums fit for all budgets, our Colorado contractors’ insurance solutions provide a formidable defense against unforeseen injury and property damage claims.
Our Recommended Products
General Liability
General Liability
Colorado contractor general liability insurance is the backbone for a well-balanced contractors’ insurance portfolio.
A Colorado contractors’ general liability policy shields your company from third-party bodily injury and property damage lawsuits.
Colorado contractors’ general liability insurance provides crucial coverage for:
- Protection from Business Liability
- Protection from Contractual Liability
- Protection for Products-Completed Operations
- Provides Defense Costs
Workers' Comp
Workers' Comp
A Colorado contractors’ workers’ compensation policy protects employers from incurring substantial medical and legal expenses if sued by an injured employee.
Colorado contractors’ workers’ compensation insurance provides benefits on a no-fault basis for employees with workplace injuries or illnesses.
Colorado employers can face severe fines and penalties for violating Colorado contractor workers’ compensation rules and regulations.
Please visit the Colorado Department of Labor and Employment to verify workers’ compensation mandates.
Surety Bonds
Surety Bonds
A Colorado contractor license bond provides a financial guarantee for a city or state licensing department.
Many large projects and government agencies will require a Colorado contractors’ surety bond before bidding on a project.
Not to be confused with Colorado contractors’ insurance, a Colorado contractors’ surety bond is like a business line of credit that protects the contracted parties if the bid obligations are not complete.
Commercial Auto
Commercial Auto
Colorado contractors’ commercial auto insurance protects your business vehicles damaged from an accident, stolen, or vandalized.
Colorado contractor commercial auto insurance covers your company vehicles if your business or an insured driver is liable for an at-fault accident.
Colorado contractors’ commercial auto policies can provide limits up to $1 million, hired and non-owned auto coverage, no limitations on the number of vehicles or drivers, and additional endorsement forms not available on a standard personal auto policy.
Inland Marine
Inland Marine
Colorado contractors’ tool and equipment insurance, also known as a Colorado contractor inland marine policy, reimburses you or your business for such common perils:
- Theft
- Fire
- Wind
- Hail
- Water damage
Colorado contractors’ inland marine insurance provides property coverage for business tools, products, and equipment at a job site, in transit, or stored at an off-site location.
A Colorado contractors’ inland marine policy provides “installation” risk coverage.
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