Insurance Built for Colorado Contractors
Stop overpaying for coverage that does not fit your trade. Get general liability, workers' comp, commercial auto and bonds built for how Colorado crews actually work — from Denver high-rises to Western Slope job sites.
60min
Typical Callback
10+
Coverages Under One Roof
$1M/$2M
Standard GL Limits
1
Employee Triggers Workers' Comp
Coverage for Every Trade
Every policy a Colorado contractor needs — from the general liability a GC demands before you step on site to the bonds your city requires to pull a permit.
Why Colorado Contractors Choose Us
Colorado work is not coastal work. Local licensing, altitude, hail and snow load change the risk — and the right program has to account for all of it.
We Speak Colorado Contractor
There is no statewide Colorado general-contractor license — permitting and registration happen city by city, from Denver to Colorado Springs to Grand Junction. We know which certificates and bonds each jurisdiction and GC actually wants, so your packet clears the building department the first time.
Built for Front-Range Risk
Hail Alley shreds roofs and fleets, spring snow load tests every truss, and construction-defect litigation is a real Colorado exposure. We build programs that account for the weather and legal climate your crews actually work in — not a generic template written for a coast.
One Agent, the Whole Stack
General liability, workers' comp, commercial auto, tools and equipment, builders risk, E&O, bonds, umbrella and pollution — bundled and coordinated so nothing falls through a gap between two policies. One call, one renewal, one certificate you can hand any GC.
Covered in Three Steps
Tell Us About Your Business
Your trade, years in business, Colorado city, payroll or revenue band, and which coverages you need. Five minutes, online or on the phone.
We Shop Colorado Carriers
We quote A-rated carriers that write your trade in Colorado — not a generic desk that surcharges what it does not understand about mountain work.
Bind and Get Your COI
Pick your program, sign electronically, and we issue certificates of insurance the same day — so you never lose a job waiting on paperwork.
Contractors Across Colorado
We write contractor programs statewide — Front Range, foothills, high country and Western Slope.
Know Before You Bid
Colorado Contractor Insurance FAQ
What contractors ask us every day — costs, workers' comp rules, licensing, and what GCs actually require before you can start.
All 24 QuestionsIt depends on your trade, payroll, revenue, and which coverages you carry. A solo handyman with general liability alone might pay around $50-$100 a month, while a roofing or framing company with a crew, trucks, and a full stack pays much more once workers' comp payroll is added. Our 2026 cost guide breaks it down by trade.
General liability averages roughly $100 a month for many Colorado trades, with lower-risk work closer to $50 and higher-risk trades like roofing and framing running well above that. Standard limits are $1,000,000 per occurrence and $2,000,000 aggregate. Your class code, revenue, and claims history drive the exact number more than location does.
Workers' comp is priced per $100 of payroll times your class-code rate times your experience modifier, so it scales with your team and your trade. Office and light trades sit on the low end; roofers, framers, and excavators are among the highest-rated class codes. See our workers' comp guide for how the math works.
Yes. Most contractor policies are available with monthly installments, and workers' comp can often be written pay-as-you-go so you pay on actual payroll instead of an upfront estimate. A down payment followed by monthly payments is typical; paying annually usually earns a small discount.
Bundle your policies into one program, make sure your class codes are accurate, raise deductibles where you can absorb the risk, run a documented safety program, keep your claims history clean, and use pay-as-you-go workers' comp. Re-shopping at renewal with a specialist who can access multiple carriers is often the biggest lever.
Ready to Get Covered? Let's Build Your Program.
Talk to a Colorado contractor-insurance specialist and have certificates in hand fast — most quotes are turned around the same day.
Prefer to talk it through? A licensed agent picks up.
844-967-5247