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Get Small Business Insurance in Colorado

biBERK is trusted by many companies for business insurance in Colorado. We offer flexible policies to protect you from the many types of risk Colorado businesses face.

Colorado Workers' Compensation Insurance

This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury. We offer tailored workers' comp in Colorado to suit your business.

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Colorado General Liability Insurance

Also known as commercial liability insurance, a general liability policy is a vital type of business liability insurance in Colorado. It covers damages and legal costs associated with injury claims by customers and other people you don't employ (like from slip-and-fall accidents at your location), damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your general liability insurance in Colorado, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Colorado Business Owners Policy (BOP)

Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance (for things like non-employee injuries and customer property damage) with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. For instance, if your building is damaged by a severe storm, you may be protected financially. Plus, you can tailor your BOP with add-ons including cyber insurance, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Colorado Professional Liability Insurance

Also known as errors and omissions (E&O) insurance, professional liability insurance in Colorado could protect you from the cost of damages and legal fees if someone claims your professional service caused financial harm to them or their business. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). If, for example, you’re an accountant and are sued by a client when your calculation error causes them to suffer a financial loss, you may be protected by your errors and omissions insurance in Colorado. E&O insurance in Colorado should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.

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Colorado Commercial Auto Insurance

If your company owns or leases vehicles, this policy protects your business. Commercial auto insurance in Colorado can provide coverage for your vehicle damage plus legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.

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Colorado Cyber Insurance

This type of business insurance in Colorado can be purchased as an add-on to a BOP, general liability, or professional liability policy. It helps cover costs related to system hacks or data security breaches in which sensitive information like credit card data has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

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Colorado Umbrella Insurance

When buying business liability insurance in Colorado, every policy has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection, as it can cover costs that exceed the limit of another biBERK liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your Colorado company.

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We Cover all Kinds of Professionals and Businesses in Colorado, Including:

  • Auto body repair shops
  • Auto service and repair centers
  • Barber shops and beauty parlors
  • Building electrician services
  • Bus companies
  • Cabinet and trim installers
  • Carpentry services
  • Commissary services
  • Concrete driveway repair/installation services
  • Concrete wrecking operations
  • Fast food restaurants
  • Fence installation and repair companies
  • Floor and carpet installers
  • Florists
  • Full-time housekeepers
  • Furniture storage warehouses
  • Garbage collection services
  • Heating and air installation/repair services
  • Indoor ceramic tile/stone/marble installers
  • Insulation services
  • Iron and steel frame construction companies
  • Landscaping and gardening services
  • Masonry services
  • Nursing homes
  • Painting companies
  • Park operations
  • Plumbing services
  • Residential cleaning services
  • Restaurants
  • Sales and collection services
  • Security services/guards
  • Towing companies
  • Trucking companies
  • Wallboard/drywall installers
  • Welding and metal-cutting companies
  • Wholesalers

Why biBERK for Colorado Business Insurance?

We’re the experts when it comes to small business insurance in Colorado.

Save Time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save Money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than the policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

Colorado small business owner

Why is biBERK Better for Small Business Insurance in Colorado?

We’re often less expensive and easier to do business with than other Colorado business insurance companies. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services that can help them grow.

Get Business Insurance in Colorado Wherever You Are!

Since we’re an online insurance provider, you can connect with us easily, wherever you are, to get:

  • Business insurance in Denver, CO
  • Business insurance in Boulder, CO
  • Business insurance in Fort Collins, CO
  • Business insurance in Colorado Springs, CO
  • Business insurance in Grand Junction, CO
  • Business insurance in Broomfield, CO
  • Business insurance in Centennial, CO
  • Business insurance in Aspen, CO
  • Or anywhere in Colorado!

What do biBERK Customers Say?

What Coverage is Required for Colorado Small Businesses?

Workers' Compensation

In Colorado, every business with employees is required to carry workers’ compensation insurance. Even if you only have one employee, you’re still required to carry workers’ comp. You can receive substantial fines and criminal penalties if you’re caught doing business with employees in Colorado without a workers’ comp policy.

Other Policy Considerations

As a Colorado company, you must carry commercial auto insurance for any vehicle your business owns or leases and operates in connection with your business. This policy protects the vehicles and also your company in the event that you are sued over an accident. General liability insurance in Colorado can also be important, as many contracts require it. The same is often true for professional liability insurance in Colorado.

What Does Business Insurance in Colorado Cost?

The cost of business insurance in Colorado depends on a number of factors, including industry, number of employees, and the amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums.

Learn what you’ll pay for business insurance in Colorado by getting instant online business insurance quotes.

Colorado Small Business Insurance in Three Simple Steps


Get a Quote

Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.


Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.


Get a Certificate

Download an instant Certificate of Liability Insurance immediately after purchasing a policy.

Get a Quote Today

Trust biBERK for business insurance in Colorado and save up to 20%.