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COLORADO BUSINESS INSURANCE

Wherever you operate, a tailored insurance policy from Selective and your independent agent can help protect your unique business.

Colorado is home to a resilient labor market and a robust economy anchored by small and medium sized businesses. The state boasts a diverse workforce and steady growth across nearly every major industry.

Companies in Colorado's competitive business environment–and unique climate–should protect their operations with the right business insurance.

With regional offices and trusted agency partners located around the state, Selective can help Colorado businesses get comprehensive coverage and tailored insurance solutions for their unique needs.

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BUSINESSES WE INSURE IN COLORADO

At Selective, we offer commercial insurance to over 400 types of businesses. Alongside our independent agency partners, we are proud to serve Colorado businesses of almost any size, including, but not limited to:

• Contractors – general contractors (residential and commercial), glass and glazing, plaster and drywall, floor laying, metal erection

• Manufacturers and Wholesalers – wholesale durables, industrial machinery, furniture and fixtures, rubber and plastics, apparel

• Professional Offices – law firms, advertising agencies, medical offices, real estate agencies, architects, accounting firms

• Mercantile Services – retail food, retail goods, public golf courses

• Auto Services – including repair shops and body shops

• Consumer Assistance Programs – social services, senior living, religious organizations, municipalities, fire departments

Don't see your profession or want more information? Find a local independent agent in Colorado for answers and a business insurance quote.

PROTECT YOUR COLORADO BUSINESS WITH INSURANCE FROM SELECTIVE

Colorado's businesses face new risks every day. We offer a wide range of business insurance solutions to help protect your property, employees, customers, and assets.

Business Interruption

Business interruption insurance helps protect your company against income loss if certain covered losses force you to suspend your operations. It may also cover rent or lease payments, relocation costs, employee wages, taxes, and loan payments until you reopen.

Business interruption insurance does not typically cover damages or losses from flooding, earthquakes, and mudslides, although you may be able to purchase additional coverages for these risks.

Business liability insurance helps protect your business from certain liability claims alleging third-party property damage, bodily injury, false arrest, and slander or libel. It may also help pay for legal fees related to lawsuits against your company and medical expenses if someone sustains a bodily injury on your business property. Liability insurance in Colorado is essential coverage for every business.

Commercial property insurance helps to protect your physical assets, such as equipment, inventory, and furniture. Property insurance can help with repair or replacement costs and keep your business going if a fire, vandalism, or other covered risk causes structural damage to your insured building or its contents.

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Cyber Liability Insurance for Colorado Businesses

Did you know that 28% of data breaches target small businesses? Cyber Liability and Data Breach Response Coverage is an all-in-one cybersecurity solution that helps insureds recover following a cyber attack on important customer and business data.

Click here to Explore Cyber Liability Insurance about Cyber Liability Insurance for Colorado Businesses

Get Broad and Convenient Coverage from a Business Owners Policy

A Business Owners Insurance Policy (also called a BOP) is a practical insurance solution that can help protect your business's assets against losses caused by property damage, lawsuits, or other accidents.

Instead of purchasing separate policies for property, liability, and business income insurance, a BOP bundles these basic coverages into a single, budget-friendly insurance policy.

Ask your independent insurance agent if a Business Owners Policy from Selective is right for your needs.

Additional Coverages for Colorado Businesses

To help you tailor your insurance program to your unique needs, Selective offers a variety of other insurance coverages and enhancements, including:

Workers Compensation – Stay compliant and get coverage for injured employees
Commercial Flood Insurance – Cover your property and its contents against flood losses
Product Recall – Help your business navigate product recalls and minimize losses
Management Liability Insurance – A suite of coverages designed to help protect an organization’s leadership. Coverages include Director’s and Officer’s (D&O), Employment Practices Liability Insurance (EPLI), and Fiduciary Liability.
Commercial Auto Insurance – Protect your fleet or company car on and off the road

FIND AN INDEPENDENT INSURANCE AGENT IN COLORADO

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FREQUENTLY ASKED QUESTIONS ABOUT COLORADO BUSINESS INSURANCE

How Much Does Commercial Insurance Cost in Colorado?

Every business is unique, and the cost of insurance can vary greatly depending on coverage needs. Some factors that can affect your cost include location, payroll, number of employees, and the types of vehicles you own. An independent insurance agent can help you assess your exposures and customize a policy that adequately covers your risks.

Is Workers Compensation Insurance Mandatory for Employers in Colorado?

Colorado employers are required to carry workers' compensation insurance if they have one or more employees. This applies to all employers, regardless of whether the employees are part-time, full-time, or family members. Workers Compensation in Colorado covers medical expenses incurred due to a work-related injury or illness. It may also provide a portion of missed wages if an injured worker needs time off to recover. Ask your independent agent about Workers Compensation for your unique business.