Business Insurance in Colorado

Choose The Hartford for Your Colorado Small Business Insurance Needs

Colorado has seen significant growth with small businesses over the last few years. In fact, 99.5% of Colorado businesses are small businesses who employ 1.2 million people in the state.¹Business owners should familiarize themselves with each type of seguro de negocio available so they can determine what’s best for their unique business.

We’re an insurance company that has served Colorado businesses for more than 200 years and are here to help protect you with the business insurance coverages you need. We’re also a commercial auto insurer and can help cover your company vehicles and their drivers. To learn more, read about the types of seguro para pequeñas empresas we offer.

Types of Colorado Business Insurance Offered

Small businesses in Colorado may need different types of business insurance to stay protected from costly claims that could come up during normal operations. Many businesses start with a Business Owner’s Policy (BOP), which combines business property and business liability insurance into one.

General Liability Insurance Colorado

General liability coverage helps pay for claims related to:

Lesiones corporales
Daños a la propiedad
Reputational harm
Advertising errors

Business owner being protected by business liability insurance colorado

General liability insurance is very valuable because it is one of the broadest policies available. You can purchase it as a stand-alone policy, but it is also included in our Business Owner’s Policy (BOP).

We’ve been helping protect small businesses with general liability insurance for more than 200 years. Our general liability policies can help if you get sued for:

A copyright infringement related to your advertising
Reputation harm including libel, slander, wrongful eviction or violation of privacy
A customer injury in your office

Colorado Commercial Auto Insurance

Colorado commercial auto insurance can help your business cover the financial costs from a car accident if you or an employee is found to be at fault. The Hartford’s commercial auto insurance coverage can help pay for medical expenditures and damaged property, even if the collision is fatal.

Commercial Auto Insurance can help protect your Colorado business if:

An employee is driving a company-owned work vehicle and hits someone crossing the street, causing the pedestrian to require medical treatment resulting in substantial bills.
An employee swerves off the road to avoid hitting an animal while driving for work. They take out a residential mailbox that needs to be replaced.
You’re driving from the office to meet a client and accidentally crash into another vehicle, totaling it.

Colorado Workers’ Compensation Insurance

Colorado workers’ compensation insurance, or workers’ comp insurance, provides benefits to Colorado employees for work-related injuries or illnesses. This insurance coverage includes medical care, help replacing lost wages when unable to work due to a work-related injury or illness, and more. If a family of an employee decides to sue your business, workers compensation insurance may even help cover the legal fees.

Worker’s compensation insurance from The Hartford can help protect your business and employees from the costs of accidents, such as:

An employee slipping on a wet floor in the bathroom at work, injuring her shoulder and requiring a hospital visit and multiple weeks of recovery time.
An employee injuring his back while moving desks into a new office area. His injury results in a doctor’s visit, medication and physical therapy for four weeks.
An employee injuring herself in an accident while driving back to the office from a press conference, requiring an ambulance ride to the hospital and medication to help heal her wounds.

Business Liability Insurance Colorado

You can add el seguro de responsabilidad comercial into our Business Owner’s Policy (BOP) insurance protection. A BOP is a type of insurance that’s essential for a small business owner because it helps cover damages caused by disasters, theft and fires. It also helps cover claims involving property damage, data breaches, bodily injury and advertising injury.

Business owners can tailor this coverage to meet their specific needs. For instance, you may want to add on additional coverages like data breach insurance. Consider a BOP with us to help protect your business in case of the following:

Your merchandise is stolen or damaged
A customer sustains an injury at your workplace and can sue you to cover their medical expenses
Your business has a physical location, whether it’s owned or rented space, that could be damaged by a fire

Professional Liability Insurance Colorado

Professional liability insurance, also known as errors and omissions insurance, can help protect your business from errors or omissions in your professional services. This can include issues like losing a client’s wedding footage as a videographer or making a clerical error that costs your client money as an accountant. Even though these situations are accidental, they still can result in costly legal repercussions. Consider getting a professional liability insurance policy if you’re classified as one of the following business types:

Technology professionals
Travel agent
Interior designer
Accounting and tax professionals
Consultant professionals

Colorado Commercial Property Insurance

Commercial property insurance helps protect your owned or rented property used to operate your business, like your:

Equipos
Building
Tools
Inventario
Muebles

A commercial property insurance policy can help protect your business from scenarios like:

A fire that destroys a business’ manufacturing warehouse and equipment.
Your office getting broken into and equipment getting stolen.
A severe windstorm causing a tree to fall and break through your storefront, closing your business for multiple days while you have it fixed.
Discover more commercial property insurance tips hoy mismo.

Does Colorado Require Business Insurance?

Business owner getting a quote for colorado business insurance

The state of Colorado requires you to have workers’ compensation insurance for all employees. You’ll also need el seguro comercial para automóviles

for vehicles used by the company and professional liability insurance for select professions, like doctors and health professionals.²

The Colorado Department of Regulatory Agencies (DORA) strongly recommends that business owners consider purchasing business insurance coverages, like liability insurance, to help protect their businesses from liability claims related to their:

Productos
Servicios
Workplace

Businesses are also required to pay unemployment insurance tax depending on their employees paid wages and number of hours worked. We’ve been providing small business insurance for thousands of Colorado businesses and can assist you in better protecting your business and employees.

Más información sobre business insurance in other states with The Hartford.

How Much Is Business Liability Insurance in Colorado?

The amount you’ll pay for business insurance varies. Your cost depends on various factors, including the type of coverage your business needs. For example, our customers paid an average of $67 a month for general liability insurance.³ For a BOP, our customers paid an average of $85 a month.⁴

Insurance companies use different factors to determine the business insurance cost in Colorado. Some factors that impact how much you’ll pay can include your:

Risk exposure
Business location
Years in business
Type of business
Límites de la cobertura
Claims history

Learn about ways you could save money on business insurance y obtener una cotización hoy mismo.

Professions Insured in Colorado

Small business insurance helps protect your business from common claims that can come up during normal operations. The Hartford offers business insurance for many industries. Some industries that we help protect in Colorado include:

Additional Colorado Business Insurance Links

Get a Colorado business insurance quote from us today.

Última actualización: 4 de enero de 2024

¹ U.S. Small Business Administration, “2021 Small Business Profile”

² Colorado Department of Regulatory Agencies: Division of Insurance, “Small Business Insurance.

^3,4 Premium amounts presented are based on monthly premium paid by The Hartford’s Small Business customers between 1/1/22 and 9/13/23 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.

Divulgaciones adicionales a continuación.