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Colorado Small Business Insurance

The state of Colorado requires that you carry specific insurance coverages to run a small business in the state, and there may be other policies you need or want, depending on your industry and liability exposure. These insurance products are designed to protect both you and the customers you conduct business with. AmVenture Insurance Agency, Inc. makes it easy to understand and secure the optimum coverage you may need by offering a variety of business insurance solutions for Colorado businesses.

Insurance Requirements in the State of Colorado


Depending on the nature of your small business, the state of Colorado typically mandates particular commercial insurance coverages, including specific coverage limits that you must carry in regards to premises operations, completed work, fire damage, independent contractors, advertising liability, personal injury, and more. Here are four common types of small business insurance to consider if you operate in Colorado:

Workers' Compensation: If you have employees, you are required to carry workers' compensation in the state of Colorado. Workers' compensation in Colorado protects your employees if they become injured at work. Workers' comp can provide compensation for medical expenses, and providing this type of coverage can provide your company with immunity from any employee lawsuit filed against you for injuries sustained on the job.

Commercial Auto Insurance: If you utilize a vehicle or maintain a fleet of vehicles for business purposes, you must carry certain mandatory minimums of automobile liability insurance in Colorado. This mandate applies to vehicles you lease, own, or borrow. If you occasionally use your personal vehicle to conduct business, having this type of coverage is still advisable because personal auto insurance may not cover you if you're involved in an accident.

Professional Liability Insurance: If you make a living in a certain industries that require professional expertise, you may be required or highly encouraged to limit your liability exposure with this type of coverage. Professional liability insurance – also known as Malpractice insurance or Errors & Omissions – applies to many specialized trades and professions, such as doctors, contractors, architects, and designers. These policies are designed to cover work-related mistakes, undelivered and negligent services, and more.

Businessowners Policy (BOP): A BOP policy in Colorado bundles different types of coverage to provide insurance against liability claims, business interruptions, and property damage. By bundling essential insurance coverage for property damage, interruptions, and liability into a single policy, you can receive the precise coverage you need for potentially less cost.

Learn More about Business Insurance in Colorado

Knowing how much coverage you should carry and what types of insurance policies you could benefit from doesn't have to be challenging. AmVenture's affiliated carriers are rated A "Excellent" by A.M. Best Company, and focus on insurance products that are specifically designed for small businesses. We can help you understand which types of policies apply to your business in Colorado, and help you find insurance quotes for the amount of coverage you request. Fill out the brief form above to get started.

Small Business is Booming in Colorado

The Small Business Administration's 2017 Colorado Small Business Profile reports that small businesses in Colorado created 51,068 new jobs in 2014, the most recent year for which there is data. Unemployment fell from 3.5 percent in 2015 to 3.2 percent in 2016, more than a percentage point lower than the national unemployment rate. In addition, private sector employment increased 3.6 percent in 2016, more than 2 points higher than in 2015. The thriving economic climate in Colorado makes it an ideal place to conduct small business. Construction companies, professional and technical services, retail businesses, and many other small businesses have chosen to start their companies in this state as a result.

Let AmVenture help you achieve your dream of owning your own business by helping to ensure your business is covered.

About AmVenture

  • “A-” (Excellent) by A.M. Best Company

    Our affiliated insurance carriers are rated “A-” (Excellent) by A.M. Best Company, a widely recognized provider of ratings, financial data & news with an exclusive insurance industry focus.

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  • 24/7 online claim filing

    Our affiliated carriers provide 24/7 online claim filing so you don’t lose valuable time between claim and resolution.

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  • Workers’ compensation

    We specialize in workers’ compensation for small- to mid-sized “Main Street” businesses, supported by an experienced and dedicated staff.

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  • Superior service

    Our goal is to provide a competitive premium cost while delivering superior service that allows you – as a small business owner – the security of knowing your business is protected.

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