Business

If you’re like most Colorado business owners, your commercial insurance policy probably looks like a thick stack of legal language, unfamiliar terms, and page after page of fine print. And when renewal time comes around — or worse, when a claim happens — that’s when many business owners realize they’re not exactly sure what their…

If you’re a Colorado contractor or builder, you already know this: construction projects rarely go exactly as planned. Weather shifts fast, job sites change daily, materials get delivered early, and timelines move. That’s why Builder’s Risk Insurance matters. Builder’s Risk is designed to help protect the value of a construction project while it’s being built—covering

At Conexus Insurance Partners, part of our People-First approach is helping businesses understand what drives those numbers so you can make informed decisions, plan ahead, and reduce risk in meaningful ways. Below is a high-level look at how rates are determined and what influences premiums across major lines of commercial insurance. (Note: Every carrier uses

What to watch and how to prepare As insurance markets stabilize after several hard years, Colorado businesses still face a complex and evolving risk environment. From climate exposure to cyber threats, here are the commercial insurance trends shaping 2026—and what they could mean for your coverage and renewal strategy. 1. Market Moderation, Not Reversal The

(And Why Your Property Policy Probably Doesn’t Cover It) Colorado businesses rely on more equipment than ever—HVAC systems, servers, point-of-sale tools, refrigeration units, brewing equipment, and more. Yet many owners assume their commercial property policy will cover them if something suddenly breaks down. Here’s the surprise most people don’t learn until it’s too late: Property

How to protect your business from unexpected audit bills If you’ve ever opened an insurance notice only to find a surprise balance due, you’re not alone. Many businesses are caught off guard by commercial insurance audits — those end-of-term reviews that adjust your premium based on actual payroll, revenue, or subcontractor costs. While these audits