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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

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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."

What our customers are saying
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