Business Insurance in Colorado

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What are the requirements for small business insurance in Colorado?

State laws can affect which insurance policies you need for your small business. These policies are required for Colorado businesses.
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Workers' compensation insurance

Workers’ compensation insurance in Colorado is required 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.

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Commercial auto insurance

All business-owned vehicles in Colorado must be covered by commercial auto insurance. Colorado requires $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $15,000 property damage liability per accident.

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

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 injuries. Most commercial leases require this coverage.

BEST FOR
  • Customer injuries at your business
  • Damaged customer property
  • Libel or slander lawsuits
Professional liability insurance icon

Professional liability insurance

This policy, also called errors and omissions insurance, protects professionals whose work depends on their expertise. It covers client lawsuits over mistakes and missed deadlines.

BEST FOR
  • Work mistakes and oversights
  • Professional negligence 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

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

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

Workers’ compensation insurance

Workers’ compensation insurance is required in Colorado for every business that has employees. It can cover medical costs for work-related injuries.

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

How much does small business insurance cost?

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

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
View Small Business Insurance Costs

Insureon specializes in Colorado business insurance

In Colorado, insurance agents, agencies, 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 into the field marked "License Number."

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