Business insurance in Colorado
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Get small business insurance in Colorado
Many companies trust biBerk for business insurance in Colorado. Your business can, too! 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 gets hurt, contracts an illness, or dies at work. 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.
Workers' Compensationchevron_rightColorado General Liability insurance
General liability insurance (also called commercial liability insurance) in Colorado covers damages and legal costs associated with injury claims by customers and other people who don’t work for you (like from slip-and-fall accidents at your location), damage your business caused to other people's property, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, when buying commercial liability insurance in Colorado from biBerk, you can customize it with endorsements, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.
General Liabilitychevron_rightColorado 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, like using 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.
Business Owners Policychevron_rightColorado Professional Liability insurance
Also called 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 harmed them or their business financially. Coverage includes both mistakes by your business (errors) and failing to perform a service (omissions). If, for example, you’re an accountant and a client sues you, saying your calculation error caused them to suffer a financial loss, you may be protected by your errors and omissions insurance in Colorado. You should have E&O insurance in Colorado if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.
Professional Liabilitychevron_rightColorado Commercial Auto insurance
Does your company own or lease vehicles? If it does, this policy protects your business. Commercial auto insurance in Colorado can cover 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.
Commercial Autochevron_rightColorado Cyber insurance
Cybercrime seems to rise continually. You can buy this type of business insurance in Colorado 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 where sensitive information like credit card data has been stolen and fraud has occurred or it’s reasonable to think it might occur.
Cyber Insurancechevron_rightColorado Umbrella insurance
When buying commercial insurance in Colorado, every policy has a maximum value it will cover in the event of an incident. That’s true of virtually all personal and business insurance policies. Umbrella insurance adds another layer of protection. It can cover costs that exceed the limit of another biBerk liability policy, up to its own limit. Without it, you might 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.
Umbrella Insurancechevron_rightWe 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 businesses?
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 policies with other insurance companies.
Experienced
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.
Why is biBerk better for small business insurance in Colorado?
biBerk is a great source for commercial 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!
Who needs to understand small business insurance in Colorado?
Stakeholders of all kinds turn to biBerk for business insurance in Denver, CO, and throughout the state. Colorado is home to many entrepreneurs and startups. We help new business owners like you understand your insurance needs and address compliance concerns, providing budget-friendly insurance solutions that are critical as you work to grow your revenues. Then, when you really hit your stride, we work with you to update your coverage to ensure you never have any insurance gaps.
Comprehensive insurance coverage is essential
Do you run an established business? If so, you’ll likely appreciate the comprehensive risk protection our policies provide. You might also want to take advantage of the flexible nature of our offerings to customize your coverage to suit your company. Our tailored policies and attentive support are two of the many reasons Colorado business owners see us as their long-term insurance partner.
Business contractors should stay informed
Colorado also has a vibrant independent contractor/freelancer community. We’re here for you! Your business—like all businesses, large and small—faces many risks. Our affordable, flexible coverage protects you from them, and it’s easy to get quotes and buy policies online. Coverage can be active as soon as the following day.
Whatever you do, and wherever you are in your career, biBerk is your source for small business insurance in Colorado!
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.
Frequently asked questions about small business insurance in Colorado
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What types of insurance are required for small businesses in Colorado?
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Small companies in Colorado often need general liability, commercial property, and workers’ compensation insurance. If you offer professional advice or services, professional liability insurance is essential. You might need other policies, too, to be fully protected. Our licensed insurance experts are happy to talk with you about your operations and insurance needs.
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How much does small business insurance typically cost in Colorado?
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Costs for small business insurance in Colorado vary based on multiple factors, but it’s common to get hundreds of thousands of dollars in coverage for as little as hundreds annually. You can get instant online quotes on our website.
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Are there any industry-specific insurance requirements in Colorado?
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Industries like construction, healthcare, restaurants, and transportation often have specific business insurance requirements, including general liability, medical malpractice, liquor liability, and commercial auto insurance. Your state and local authorities are your best source for current regulations and requirements.
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How do I determine the right coverage amounts for my small business in Colorado?
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Our licensed insurance experts are happy to guide you on assessing your risks, evaluating your company’s assets, and reviewing legal requirements for your business type.
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What’s the typical process for filing a business insurance claim in Colorado?
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Reporting a claim online is easy with biBerk. You simply complete and submit claims forms, provide documentation, work with the adjuster as needed while they complete your review, and await the resolution.
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How quickly can I expect my insurance claims to be processed and resolved?
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Claims can be resolved within a few days to several months, depending on complexity and documentation. But you can be confident we’re working hard to address your claim as efficiently as possible.
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%.