Business insurance for small and mid-size companies in Northern Colorado.
Coverage that keeps up with how you actually run your business.
Running a business means managing risk whether you think about it or not. The question is whether your coverage fits your needs.
A lot of small business owners get their insurance online, pick something that looks reasonable, and move on.
That works until it doesn't - until there's a claim and the policy doesn't cover what they assumed it would. I take the time to make sure you know what you're buying before that happens.
Insurance Coverage Types
-
Protects your business if a client or customer is injured or their property is damaged because of your work.
-
Covers your physical space, equipment, and inventory if something goes wrong - fire, theft, weather damage.
-
A bundled option that combines general liability and commercial property into one policy. A good starting point for a lot of small businesses.
-
An extra layer of coverage that kicks in when your other policies hit their limits. More important than most people realize until they need it.
-
Required in most states if you have employees. Covers medical costs and lost wages if someone gets hurt on the job.
-
If a client claims your advice or service caused them financial harm, this is what protects you. Especially relevant for consultants, coaches, and service-based businesses.
-
If you or your employees drive for work, your personal auto policy probably doesn't cover it. This does.
So why use an insurance broker?
When you buy insurance through a single carrier, you get what that carrier offers. As an independent broker, I work with multiple companies and shop your coverage across all of them. That means more options, honest comparisons, and someone whose job is to find the right fit - not just move a specific product.
I'll also explain what you're buying in plain language, so you're not finding out what your policy actually covers when you file a claim.
Questions We’ve Been Asked
-
A Business Owners Policy (BOP) bundles general liability and property coverage into one package — it's a good fit for most small businesses. A Commercial General Liability policy is better suited for larger businesses with more employees, equipment, or space. Not sure which one applies to you? That's what we're here to figure out.
-
If you or your employees are regularly driving for business purposes, your personal auto policy likely won't cover an accident that happens on the job. Commercial auto makes sure you're protected — and that anyone driving for your business is listed correctly.
-
If your policy renews in the next three months, now is a good time to get in touch. That window gives us enough time to review your current coverage, shop carriers, and work through underwriting without rushing.
-
Online platforms are built for straightforward situations. If your business has any complexity to it, you may end up underinsured without realizing it. As a broker, I ask the questions those platforms skip, and I make sure the coverage you're buying actually matches what you do.
-
Yes, you need insurance even early on. The good news is that coverage for a new business is often simpler than you'd think. I'll help you figure out what actually makes sense for where you are right now, and we can build from there as your business grows.
-
An insurance agent works for one company and can only offer that company's policies. As an independent broker, I work for you — not an insurance company. That means I shop across multiple carriers to find the best fit for your situation.
-
Nothing. Brokers are compensated by the insurance carriers, so you get the expertise and advocacy at no additional cost to you.
-
That's exactly what a policy review is for. We look at what you currently have, what's changed in your life or business, and whether your coverage still makes sense. If it does, great. If it doesn't, we'll find something better.
-
Call us. We'll walk you through the process — whether that's coordinating a tow, getting a rental car, or notifying your carrier. You shouldn't have to figure that out alone.
The first step is a conversation, not a commitment.
When you reach out, I'll get back to you within one business day. And if it makes sense, I'm always happy to meet for coffee - some things are easier to talk through in person.
