Commercial Property

Commercial property insurance usually covers losses caused by fire, lightning, wind and hail, or acts of vandalism. Additional coverage can be added. Essential items to insure include your building, equipment, inventory and outdoor items on the premises such as fencing, storage sheds, or outdoor signs.  

 It provides for bodily injury liability and property damage while operating a company automobile, medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder’s car. Injuries or damage to someone else are also covered. 

 A business owners policy (BOP) combines business liability, commercial property, business income and equipment breakdown coverages into one cost-effective package for businesses. 

General liability insurance is a broad commercial insurance policy that covers general liability exposures of a business. Coverage typically includes product protection from financial loss should you be liable for property damage or personal and advertising injury caused by your services, business operations or your employees.

 Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies.  

Colorado employers are required to carry workers’ compensation insurance if they have one or more employees. Workers’ compensation coverage pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work.

A surety bond is a promise to be liable for the debt, default, or failure of another. It is a three-party contract by which one party guarantees the performance or obligations of a second party to a third party.

When a catastrophic liability loss occurs, an umbrella insurance policy may ensure your business survival. Commercial umbrella helps you protect your assets by providing liability limits above and beyond your other policies and may even broadens your protection.  

A hybrid form of coverage meant to protect you both personally and commercially. Like a standard homeowners policy, farm insurance will cover your home, possessions and personal liability. Beyond that, it also includes coverage for your machinery and livestock.