Business Protection Designed for Your Success
Trusted by Local Businesses & Regional Operations Since 1992
Our experts bring decades of industry experience to every policy. Independent status means we put your protection first, not carrier profits.
4.9/5 Stars
Google Reviews from real customers, just like you
97% Retention
Customers stay with us year over year over year
Independent
We work for you, not insurance companies
Local
Fort Collins owned & operated since 1992
Commercial Insurance: The Foundation That Powers Your Business Growth
No business owner wants to face a disaster. But when challenges arise, comprehensive coverage ensures your story continues past the setback.
The Unexpected Leak
A regional accounting firm arrived one Monday to discover a weekend water leak had damaged their office space, electronics, and client files. Their commercial property coverage immediately activated, covering $38,000 in property damage and providing funds for temporary office space. Rather than losing clients and momentum, business continuation coverage ensured operations resumed within 48 hours while repairs took place.
The Customer Injury
At a small hardware store, a customer tripped over an improperly stored display item and suffered a broken wrist requiring surgery. General liability coverage handled the $175,000 medical expenses and settlement, protecting the business's finances and reputation. The claim also connected the owner with risk management specialists who helped implement better safety protocols, preventing future incidents while maintaining reasonable premium costs.
The Devastating Fire
A manufacturing facility faced catastrophe when an electrical fire destroyed 60% of their production space and specialized equipment. Their comprehensive commercial policy covered $2.7 million in property damage, equipment replacement, and lost income during the six-month rebuild. Rather than closing permanently like 40% of businesses after major disasters, business interruption coverage maintained payroll for key employees and preserved client relationships through the recovery.
Build Your Shield of Business Protection
General Liability Coverage: Protects Your Business from Accidents, Injuries, and Lawsuits
When accidents happen—like a customer slip and fall or accidental property damage—general liability bridges the gap between your business's risks and your financial security. It's often the first and most important line of defense for business owners worried about exposure to liability claims.
Commercial Umbrella Coverage: Extra Protection for Major Business Accidents
Serious lawsuits and accidents can push standard policies to their limits. Commercial umbrella coverage gives your business extra financial protection when other liability policies max out—so one big claim doesn’t threaten your future.
Professional Liability Coverage: Protects Your Business from Costly Mistakes and Client Lawsuits
Even careful professionals can make mistakes. If your advice or services ever lead to an unhappy client or claim of a costly error, professional liability coverage steps in to defend your business and reputation—so one slip doesn't jeopardize your hard-earned success.
License & Permit Bonds: Guarantee Business Compliance and Public Protection
Contractors and businesses often need license and permit bonds to meet legal or municipal requirements. This coverage protects the public and regulatory agencies, ensuring you meet your obligations so you can focus on running your business confidently.
Workers' Compensation Coverage: Protects Your Team and Your Business When Work Injuries Happen
Every business with employees can face workplace injuries. Workers’ compensation coverage pays for medical expenses and lost wages, so your team gets the care they need—and you avoid costly legal disputes.
Cyber Liability Coverage: Shields Your Business from Online Threats, Data Breaches, and Costly Cyberattacks
Data breaches impact businesses of every size. One cyberattack could lead to lost revenue, legal claims, or damaged trust. Cyber liability coverage is the safety net that helps you bounce back—covering legal, financial, and technical recovery costs so your business stays resilient.
Strategic Coverage for Every Business Stage
Your insurance needs evolve as your business grows. The right protection strategy balances comprehensive coverage with cost-effective solutions.
Startup / New Business
New ventures require foundational protection that meets legal requirements while managing costs. Focus first on mandatory coverages like workers' compensation and general liability to protect against common claims that could derail your launch. Since premium costs impact early cash flow, consider higher deductibles on property coverage to reduce monthly expenses while maintaining protection against major losses.
Smart moves include packaging coverage through a Business Owner's Policy (BOP) for better rates, leveraging safety programs for premium discounts, and ensuring proper classification of operations to avoid overpaying.
Established Growth Business
Growing businesses face expanding liability exposure as operations, staff, and customer relationships increase in complexity. Your protection strategy should now include more robust general liability limits, professional liability coverage, and cyber protection. With more assets at stake, this is when umbrella policies become crucial for extending liability limits across all underlying policies.
Critical considerations include conducting regular insurance reviews as you add locations, employees or services, implementing formal risk management protocols to control premiums, and exploring specialized coverage for intellectual property or key employees.
Mature / Multi-Location Business
Established enterprises require sophisticated risk management addressing complex exposures across operations, leadership decisions, and market position. Consider directors and officers coverage, comprehensive cyber liability, and employment practices liability to protect against modern business risks. With significant assets and operations, your focus shifts to higher liability limits, specialized policy endorsements, and possibly self-insurance components.
Advanced strategies include implementing comprehensive business continuation planning, exploring captive insurance options for certain exposures, creating custom coverage solutions for industry-specific risks, and leveraging loss control services to maintain favorable premiums despite larger scale.
The 3-Question Coverage Framework
Ask yourself these three questions for every coverage option:
1. What specific risks could threaten your business model?
Identify threats unique to your operations and industry. A restaurant faces different exposures (food safety, customer injury) than a consulting firm (professional errors, data breaches). Understanding your specific risk profile helps prioritize coverage types and appropriate limits.
2. What mandatory coverages apply to your operations?
Many jurisdictions require specific insurance types by law. Workers' compensation is mandatory for businesses with employees, commercial auto for company vehicles, and professional licensing may require liability coverage. Start by addressing these non-negotiable requirements before building additional protection.
3. What's your risk tolerance versus premium budget?
Balance cost considerations with potential exposures. Higher deductibles lower premiums but require more out-of-pocket expense when claims occur. Assess your cash reserves and risk comfort level to find the right balance between monthly costs and potential claim expenses.
🚩 Red Flags: Commercial Coverage Shortcuts That Risk Your Business 🚩
Basic Liability Limits Only: Most claims now exceed $500,000, yet many businesses maintain only $300,000 in liability coverage. When serious injuries occur, these limits are quickly exhausted, putting business assets at risk.
Missing Business Interruption Coverage: Property insurance alone only covers physical damage, not lost income during repairs. Without business interruption protection, 40% of businesses never reopen after major property damage.
Overlooking Cyber Liability: With average breach costs reaching $187,000 for small businesses, basic property policies offer minimal or no cyber protection. Specialized coverage is essential for data breach response, ransom demands, and recovery.
Inadequate Workers' Compensation: Misclassifying employees or choosing minimal coverage creates significant liability. One serious workplace injury can result in penalties, legal action, and out-of-pocket costs far exceeding proper premium investment.
Commercial Insurance Economics: Investing in Business Resilience
Understanding the strategic value of commercial coverage helps you make informed decisions to protect your enterprise's financial future.
Cost Comparisons
The Financial Reality of Business Risk
Property Fire Damage:
With proper coverage: $2,500-$10,000 (your deductible)
Without coverage: $250,000-$2,000,000+ (complete loss of location)
Customer Injury Lawsuit:
With adequate liability: $0-$5,000 (deductible only)
Without coverage: $150,000-$1,500,000+ (medical costs + legal)
Business Interruption:
With interruption coverage: Continued payroll, rent, and operational expenses covered
Without coverage: 40% likelihood of permanent closure after major incident
Data Breach/Cyber Attack:
With cyber liability: $1,000-$5,000 (deductible + managed response)
Without coverage: $187,000+ average incident cost + reputational damage
The Real World
78.4% of the insurance market is comprised of commercial lines, demonstrating the significant protection needs of businesses compared to personal insurance.
63% increase in severe weather-related claims over the past five years has driven commercial property rates upward, particularly for buildings with older roofing systems.
Only 31% of businesses carry standalone cyber liability policies despite the average ransomware attack costing $187,000 in damages and recovery expenses.
40% of businesses never reopen after experiencing a major disaster without adequate business interruption coverage, highlighting the critical nature of continuity protection.
Commercial auto premiums have increased 15-40% year-over-year due to rising accident severity, repair costs, and litigation expenses.
Protect What You've Built
Our team of 7 licensed commercial insurance professionals compares options from 26 carriers to find the right coverage for your business needs.
FAQs
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique.