Business Insurance in Colorado

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Get small business insurance for your Colorado business

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Learn about Colorado's insurance requirements

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Recommended insurance policies for small businesses in Colorado

General liability insurance icon

General liability insurance

This policy is important for all Colorado businesses. It covers common risks, including customer property damage and personal injuries. Most commercial leases require this coverage.

BEST FOR
  • Customer injuries at your business
  • Damaged customer property
  • Advertising injuries, such as libel
Professional liability insurance icon

Professional liability insurance

This type of business liability insurance is also called errors and omissions insurance (E&O). It covers client lawsuits over mistakes and missed deadlines.

BEST FOR
  • Work mistakes and oversights
  • Professional services lawsuits
  • Late or incomplete work
Cyber liability insurance icon

Cyber liability insurance

This policy helps Colorado businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.

BEST FOR
  • Data breach lawsuits
  • Client notification expenses
  • Fraud monitoring costs
Business owner’s policy icon

Business owner’s policy

A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of insurance for a Colorado business.

BEST FOR
  • Customer injuries
  • Damaged customer property
  • Business property insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ comp insurance is required in Colorado for every business that has employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR
  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Commercial auto insurance icon

Commercial auto insurance

This policy is required for business-owned vehicles in Colorado. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.

BEST FOR
  • Accidents involving business vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle
Looking for different coverage? See more policies.

Colorado business insurance requirements

State laws affect which business insurance coverage you need. These policies are required everywhere in Colorado, from Fort Collins to Colorado Springs.

Blue check mark

Workers' compensation insurance

Colorado's workers' compensation law requires workers’ compensation insurance for all employees of public or private businesses. Generally, any person who performs work or services is presumed to be an employee. This policy covers medical bills for work injuries and illnesses.

Blue check mark

Commercial auto insurance

All business-owned vehicles in Colorado must be covered by commercial auto insurance. The minimum requirements in Colorado are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Trucking companies may need additional coverage to comply with regulations.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy (BOP).

How much does small business insurance cost?

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Commercial insurance can be affordable for small business owners in Colorado. Factors that influence the cost include:

  • Type of small business
  • Location
  • Number of employees
  • Type of property and liability policies
  • Policy limits and deductibles
View Small Business Insurance Costs
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Find the right policies and get your certificate of insurance

Insureon's licensed agents can help you find policies that matches Colorado's requirements and your unique business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.

In Colorado, insurance agencies, agents, and brokers are licensed by the Colorado Division of Insurance. Insureon is licensed in Colorado as Insureon Colorado LLC (license number 481838) and as BIN Insurance Holdings LLC (license number 354233) for property and casualty insurance and for surplus lines.

You can verify our licensure with the Sircon Corp. Verification System by selecting Colorado, agency, and then entering either of our Colorado state license numbers.

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