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Get Customized Coverage for Your Colorado Springs Business
As the second-largest city in Colorado, Colorado Springs is home to a variety of businesses. Over 563,000 small businesses call Colorado Springs home, where business owners can access mentors, the Economic Development Commission and accelerators.1 Whether you’re planning to start a business or currently own one, getting Colorado business insurance is a key piece to success.
The right type of business insurance in Colorado can help protect your small business from common claims that can come up during normal operations. If you’re not sure where to start, we can help. Obtenga una cita today for small business insurance and see how we can help protect you.
Types of Small Business Insurance in Colorado Springs
You can get different types of business insurance in Colorado Springs. A few common types of coverage include:
- General liability insurance in Colorado Springs to help cover claims that their business caused bodily injury or property damage. General liability coverage can also help protect you from claims of personal injury, like libel or slander.
- Commercial property insurance to help protect the owned or rented building, equipment, tools and inventory used to operate.
- Business income insurance, which helps replace lost income if you can’t operate because of covered property damage.
- Workers’ compensation insurance to help employees recover from a work-related injury or illness. This coverage gives them benefits, which can help pay for medical expenses and replace lost wages.
- Business Owner’s Policy (BOP), which combines general liability, commercial property and business income coverage into one policy.
- Professional liability insurance to help cover claims that your business made a mistake in the professional services given. This coverage is also known as errors and omissions insurance.
How Much Does Business Insurance in Colorado Springs, CO Cost?
Business insurance costs in Colorado Springs vary. Your costs will be different depending on the coverage. For example, our customers paid an average of $916 annually, or $76 a month, for business insurance coverage in Colorado. For workers' compensation insurance, customers in Colorado paid an average of $759 annually, or about $63 a month.2
Insurance companies look at different factors when determining costs. This can include your:
- Type of business
- Type of coverage
- Policy details, like coverage limits and deductibles
- Lugar
The best way to find out your cost for business insurance in Colorado Springs is to get a cita. Our specialists can work with you to get the coverage you need at the right price. You can also use your local insurance agency to get your cost.
Requirements for Insurance in Colorado Springs
The state requires small businesses to carry certain types of insurance in Colorado Springs:
- If your business has employees, you’ll need Colorado workers’ compensation insurance.
- If your employees drive business-owned cars, you’ll need commercial auto coverage.
- Depending on your type of business, you may need professional liability coverage.
Get a Quote for Business Insurance in Colorado Springs, CO
Protect your business in Colorado Springs with the right coverage. We’re an insurance company backed by more than 200 years of experience. We know that every small business is different. Our specialists can work with you to understand what liability coverage or other types of insurance your business needs. Obtenga una cita today and see how we can help protect your business.
Business Insurance in Other Colorado Cities
We offer business insurance throughout Colorado, including:
Last Updated: November 15, 2023
1 Colorado Springs Chamber & EDC, “Small Business & Entrepreneurship”
2 Premium amounts presented are based on monthly premium paid by The Hartford's Small Business customers between 1/1/22 and 9/14/23 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.
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