Commerical

Running a business in Colorado comes with many expenses, but workers’ compensation premiums don’t have to be one of your largest. By participating in Colorado’s Cost Containment Certification Program, employers can take proactive steps to improve workplace safety while reducing workers’ compensation costs. With the help of our carrier partner Pinnacol Assurance, small and mid-sized…

Running a business in Colorado means wearing many hats—serving clients, managing employees, and protecting your company from risks. One important part of risk management is choosing the right type of liability insurance policy. Two of the most common policy forms you’ll come across are claims-made and occurrence. Understanding the difference between these two policy types

Running a small business in Colorado means juggling many responsibilities—managing employees, keeping customers happy, and making sure your operations run smoothly. One area that can sometimes get overlooked is Employee Benefits Liability (EBL) insurance. If you offer employee benefits such as health insurance, retirement plans, or wellness programs, EBL coverage could be an important layer

When many Colorado entrepreneurs launch a small business, they often assume insurance is something only “big” companies need. After all, why would a boutique coffee shop in Boulder, a tech startup in Denver, or a landscaping company in Westminster need the same protection as a national corporation? The truth: general liability insurance is just as

The gig economy is no longer a fringe trend—it’s become a core part of how businesses operate across Colorado. From food delivery and rideshare services to contractors handling last-mile logistics, more companies are relying on non-traditional workers to keep operations moving. But this shift raises new questions about commercial auto insurance and how businesses can

Understanding the Trend Across the United States—and here in Colorado—businesses are feeling the effects of social inflation. This term refers to the rising costs of insurance claims, often driven by factors outside of traditional inflation, such as: Shifts in public sentiment about corporations and insurers Aggressive plaintiff attorney tactics and litigation funding Expanding definitions of