Built by Contractors Choice Agency
Colorado Contractor Insurance is a specialty program from Contractors Choice Agency — an independent agency that insures working trades, not a lead-reselling quote mill.
Why a Colorado Contractor Program Exists
Contractors Choice Agency started where the name says — insuring contractors: roofers, excavators, electricians, spray-foam crews. Colorado kept showing up with the same story: a good contractor paying too much for a policy that didn't fit the trade, with exclusions nobody flagged until a claim got denied, and a GC asking for certificate wording the last agent couldn't produce.
So we built a program specifically for Colorado's trades. One desk that knows there is no statewide GC license here — that Denver, Colorado Springs and Aurora each run their own registration — that a single employee triggers workers' comp, and that Front Range hail is a property loss you plan for, not a surprise.
Everything on this site — the coverage pages, the cost guide, the FAQ — is written from real Colorado conversations, with the numbers and requirements we see every week.
How We Work a Quote
Five minutes of business details — your trade, city, payroll or revenue, and what coverage you need. We shop it across A-rated carriers that actively want Colorado contractor business, then walk you through the options: where a higher deductible earns its keep, which limits your GC or city actually requires, and what you can safely skip. You get a real number and a straight recommendation, not a pressure script.
Specialists in the Trades
Contractors are all we write. We know the difference in exposure between an electrician, a roofer, and an excavator, and we know the class codes and endorsements that price each one correctly. A generic small-business desk either overcharges your trade or writes it with gaps you find out about at claim time — we don't.
A-Rated Paper Only
A cheap policy from a carrier that fights every claim isn't insurance — it's a monthly donation. We place contractor programs with A-rated carriers that have real claims infrastructure, so a liability suit or a hail-flattened jobsite doesn't end your business.
Certificates Without Drama
Additional-insured endorsements, waiver of subrogation, primary-and-noncontributory wording — the COI a GC demands is where jobs get won or lost. We issue certificates the same day and get the wording right the first time, so you're on site instead of stuck in email.
A Human Picks Up
You call, a licensed agent answers — the same people who quoted you handle your renewals, your certificates, and your claims advocacy. No ticket queues, no offshore scripts, no starting over with a stranger every time.
Every Stage of a Contracting Business
New & Startup Contractors
Just formed the LLC and need a certificate to land the first job or pull a permit. We build the starter stack — general liability, a workers' comp ghost policy if a GC requires it, commercial auto and a license bond — and get you a COI fast.
Established Trades
Electricians, plumbers, HVAC, roofers, concrete, framing, excavation and painters with crews and trucks. We re-shop your program at renewal, fix class codes that drifted, and coordinate every policy so nothing overlaps or leaks.
General Contractors
Managing subs, pulling permits across multiple Colorado jurisdictions, and meeting owner insurance requirements. We handle the umbrella limits, builders risk, and additional-insured tracking that big projects demand.
Growing Companies
Adding trucks, employees and revenue faster than your old policy was built for. We move you from a single BOP into a coordinated program with the right workers' comp, fleet auto, and excess limits before a gap bites.
What We Look for in a Carrier
Any agency can find you a cheap first-year number. The carriers we work with earn their place by clearing four bars: an A- or better AM Best rating, a real claims department that understands construction, same-day certificate issuance with the endorsements GCs require, and renewal behavior we can defend — no teaser-rate years followed by 40% jumps on a clean loss run.
We also pay attention to how a carrier treats the gray areas contractors live in: subcontractor exposure, tools that travel between jobs, work at height, and pollution risk on demolition and excavation. The time to find out how a carrier reads those situations is before you bind, not after a denial letter.
Insurance Is a Cost Center — Treat It Like One
Your premium is one of the bigger line items in a contracting business. We treat it with the same discipline you treat job costing: know the number, know what drives it, and re-negotiate when the leverage shifts. That means an annual re-shop at renewal, a deductible review when your cash position changes, and a pay-as-you-go workers' comp option so you pay on real payroll, not an estimate.
It also means telling you when not to buy something. If you never disturb soil or handle chemicals, you may not need standalone pollution liability. If you have no employees yet, a full comp policy may be overkill versus a minimum-premium option. The cheapest coverage is the coverage you legitimately don't need.
Talk to the People Who Wrote This Site
844-967-5247 rings a licensed specialist, not a call center. Or start online and we'll call you back within about one business hour.
See Exactly What We Cover
Ten coverages, every one explained in plain English with real Colorado cost ranges — no login, no email gate.