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Which insurance policies are recommended for Denver businesses?
In Colorado, small businesses make up the majority of all businesses in the state at 99.5% - and Denver isn't an exception as a leading city for new businesses. Protect your small Denver business with these common insurance products.
General liability insurance
A general liability policy protects Denver businesses from lawsuits related to customer accidents, defamation, and copyright infringement. Commercial leases often require this coverage.
BEST FOR
- Customer accidents at your business
- Libel and other advertising injuries
- Product liability insurance
Professional liability insurance
This policy covers legal costs related to mistakes and oversights, such as a consultant's advice that leads to financial loss. It's also called errors and omissions insurance (E&O).
BEST FOR
- Mistakes that cause financial loss
- Accusations of professional negligence
- Missed deadlines
Cyber insurance
Cyber liability insurance covers the costs of data breaches and cyberattacks. Every Denver business that handles credit cards or other personal information should carry this coverage.
BEST FOR
- Customer notification costs
- Fraud monitoring services
- Data breach investigations
Business owner’s policy
A BOP bundles general liability coverage and business property insurance together at a discount. It's the policy most often recommended for small businesses in Denver.
BEST FOR
- Customer injuries
- Damaged business property
- Business interruption coverage
Workers’ compensation insurance
All Denver businesses with employees are required to carry workers' comp. It also covers work-related medical bills for sole proprietors, which personal health insurance may not cover.
BEST FOR
- Medical bills from employee injuries
- Disability benefits
- Workplace personal injury lawsuits
Commercial auto insurance
All vehicles owned by Denver businesses must be covered by commercial auto insurance. This policy covers auto accident injuries and property damage.
BEST FOR
- Medical bills from an accident
- Property damage caused by your vehicle
- Auto accident lawsuits
Errors and omissions insurance
Consultants and professional services in Denver carry this coverage to protect against legal costs from clients harmed by your advice or services. It's sometimes called professional liability insurance.
BEST FOR
- Errors and oversights
- Late or incomplete work
- Negligence accusations
Commercial property insurance
This policy covers the cost of repair or replacement of your building's physical structure and its contents. Bundle it with general liability coverage in a BOP for a discount.
BEST FOR
- Storm damage
- Fires
- Theft and vandalism
Commercial umbrella insurance
An umbrella policy provides coverage once the limit is reached on your underlying general liability insurance, commercial auto insurance, or employer's liability insurance.
BEST FOR
- Customer lawsuits
- Auto accident lawsuits
- Employee injury lawsuits
Looking for different coverage? See more policies.
How to get insurance for your Denver business
View video transcript.
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Are you ready to get insurance coverage for your Denver business? Complete Insureon's easy online application to get quotes today from top-rated providers.
Which business insurance policies are required in Denver?
State and local laws can determine the type of insurance you need. These policies help you comply with Colorado business insurance requirements.
Workers' compensation insurance
Colorado state law requires all businesses with employees to carry workers’ compensation insurance. This includes full-time and part-time employees for public and private companies.
Denver businesses must either purchase a policy through an insurance company or get permission to self-insure their company.
Workers' comp pays for medical expenses from job-related injuries and illnesses, such as a cleaning business employee becoming sick from cleaner fumes. It also provides disability benefits for injured Colorado workers.
Commercial auto insurance
Colorado small businesses, from Denver to Aurora, are required by state law to carry commercial auto insurance for all vehicles that are owned by a business. This insurance policy pays for medical costs, defense costs, and property damage after an auto accident.
Denver businesses must meet the state's requirements for auto liability coverage, which are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability per accident
Keep in mind that this is the minimum you're required to carry. It's worth considering higher limits, given the potential cost of a lawsuit. Trucking companies also may need more coverage to comply with regulations.
If you need business insurance coverage for a personal, rented, or leased vehicle, you may want to consider hired and non-owned auto insurance (HNOA) instead.
How much does business liability insurance cost in Denver?
Small businesses in Denver don't have to pay a lot for commercial insurance. Here are a few average costs for Centennial State businesses:
General liability: $49 per month
Workers' comp: $50 per month
Professional liability/E&O: $59 per month
Business insurance costs depend on factors such as:
- Type of business
- Business revenue
- Number of employees
- Policy limits and deductibles
- Risk exposure
- Claims history
Other common questions about Denver business insurance
How do I get a certificate of insurance for my business?
Sometimes you need to get insured quickly to sign a contract or other agreement. With Insureon, you can get same-day insurance in three easy steps:
- Fill out our easy online application to get quotes from top-rated insurance carriers.
- Choose the insurance option that suits your coverage needs and pay for it online.
- Download a certificate of insurance by logging into your account.
Our licensed insurance agents will help you get the right types of coverage for your small Denver business that match your risks and insurance needs. Most businesses can get their certificate of insurance within a few hours of applying for quotes.
Can my business be held liable for a data security breach?
Your business could be held responsible for a data breach, which is why cyber insurance is so important. Small businesses are a common target of cyberattacks, since they often have fewer security measures in place.
Colorado's data breach laws require Denver businesses to notify any residents whose personal information is exposed in a data breach. Your business could also end up paying for a data breach investigation, a PR campaign, and other costs related to a breach or cyberattack.
Cyber insurance covers these costs and provides resources so you can get back to business fast.
Does my industry affect Denver insurance requirements?
Yes, the city of Denver may have special requirements for business insurance and bonds, depending on the type of work you do. There are a few requirements for any business operating in Denver [PDF], including having the appropriate business license and permits.
Here are a few examples of businesses with additional obligations:
- Contractors often need commercial general liability insurance or a surety bond to sign a contract or bid on a project. Having the right insurance and bonds helps you comply with state licensing requirements.
- Real estate agents and brokers are required by state law to carry errors and omissions (E&O) insurance, sometimes called professional liability coverage, while other professional services businesses sometimes need this policy to get licensed.
- Physicians are required to carry malpractice insurance, also called professional liability insurance, by state law.
- Cannabis businesses in Colorado aren't required to carry cannabis insurance to operate legally. However, coverage is strongly recommended to keep your business protected.
When running a business in Denver, you need to be aware of laws and regulations for Colorado, the city of Denver, and Denver County.
How can I get help starting a small business in Denver?
The city of Denver has become a leading location, ranking just outside the nation's top 10 cities, for new businesses. To help you get started, here's a list of local organizations available to provide guidance and resources:
- The Denver Public Library offers several resources for starting a small business in Denver.
- The Denver Metro Chamber of Commerce enables networking opportunities and support for small businesses.
- The City of Denver provides small business owners and entrepreneurs with tools and guidance to start, grow, and build a business in Denver.
- Denver Metro Small Business Development Center (SBDC) serves entrepreneurs pursuing business ownership through free consulting, training, and programs.
- SCORE Denver offers free business advice and training, with support from experienced entrepreneurs from diverse industries and specialties.
- The Colorado Business Resource Book is a one-stop resource for everything related to starting a small business in Colorado.
- The Metro Denver Economic Development Corporation (EDC) is the nation's first regional economic development entity dedicated to the mutual growth of the nine-county Metro Denver and Northern Colorado region's talent and businesses.
Keep in mind that many lenders will require you to first obtain several types of business insurance, which is yet another reason to insure your investment.
How can I save money on Denver business insurance?
Small business owners can save money on insurance by comparing quotes from different insurance agencies. With Insureon, you can get free quotes from top-rated providers by filling out one easy application.
There are a few other ways to save, such as:
- Bundle policies for a discount. The most popular option is a business owner's policy.
- Choose less expensive policy options, such as lower limits or a higher deductible.
- Focus on workplace safety. Fewer accidents means fewer claims, which helps keep your premium low.
Learn more about how to find cheap business insurance.
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