Commercial Insurance for Colorado and Arizona Businesses
Liability, vehicles, employees and property, placed with carriers that understand your trade. We have been insuring Front Range businesses from our Falcon office since 2005.
Coverage Built Around What You Actually Do
A contractor, a restaurant and a consultancy have almost nothing in common from an underwriting point of view, which is why a one-size commercial package tends to leave someone exposed. The question is never just how much coverage, it is which carrier is comfortable with your class of business.
That is the advantage of being independent. We place business with carriers that specialise in different trades, including workers' compensation through Pinnacol and hard-to-place risks that a captive agent would simply decline. If your operation has changed since you last looked at the policy, that is usually where the gap is.
We write coverage nationwide, so whether you operate out of Falcon, Colorado Springs, Denver or Phoenix, and whether you have two employees or forty, we can work with it.
- Coverage nationwide
- Workers' comp through Pinnacol
- Hard-to-place risks welcome
What Your Commercial Coverage Can Include
Commercial insurance is assembled from separate parts. These are the four most businesses start with, plus the ones that get overlooked.
Liability Insurance
An accident on your premises can turn into a claim well beyond your assets, and defence costs apply even when you win. General liability responds to bodily injury and property damage you are found responsible for.
Commercial Auto Insurance
If vehicles are used for the business, a personal auto policy may not respond at all. Commercial auto covers the vehicles, the drivers and often hired or non-owned use.
Workers' Compensation Insurance
Required in Colorado once you have employees. It covers medical costs and lost wages for on-the-job injury and, in doing so, protects the business from being sued directly.
Property Insurance
The building if you own it, plus equipment, stock and fit-out. Severe weather and fire are the usual causes of loss, and both are well represented in Colorado.
Business Interruption
Helps replace income while you are closed after a covered loss. The coverage people most regret skipping, because rent and payroll do not pause.
Cyber and Crime
Increasingly relevant if you take card payments or hold customer records. Social-engineering fraud is now a more common loss than burglary for many small businesses.
Coverage terms and payouts depend on your policy and the carrier. Business vehicles need commercial auto rather than a personal auto policy, and commercial umbrella coverage sits above your liability limits. See the carriers we work with.
Getting a Business Quote Is Simple
Bring what you have. We will tell you plainly where the gaps are.
Start Your Free QuoteWe Listen
Tell us what the business does, how many employees, what vehicles, and where you operate. Your current policy helps if you have it.
01
We Shop
We take it to carriers that write your class of business, including specialist markets for trades that are harder to place.
02
You Choose
We lay out what each option covers and what it excludes. You decide, and we time the switch so there is no gap.
03
Business Insurance Questions We Hear a Lot
If you have employees, generally yes. Colorado requires it from the first employee, with narrow exceptions. Getting this wrong carries penalties, so it is worth confirming rather than assuming.
Possibly not. Their personal policy may exclude business use, and yours may not extend to a vehicle you do not own. Hired and non-owned auto coverage is the usual fix and is normally inexpensive.
It is the one-page proof of coverage a general contractor or landlord asks for before you can start. We issue them from the office, and for existing clients it is usually same day.
Rarely to any useful degree. Home policies typically cap business property low and exclude business liability entirely. A small in-home business endorsement or a standalone policy is usually the answer. See home insurance.
Often. Being independent means we are not limited to one company's appetite, and we place business through specialist markets for trades that standard carriers avoid. It is worth a conversation.
Annually, and any time the business changes materially. New vehicles, new employees, a new location or a new service line all shift your exposure, and policies do not update themselves.
What Business Clients Say
- Business insurance · Great service
Krys has been our insurance agent for years now, and has helped us every step of the way! The communication is fantastic and customer service is top notch! Thank you PPIA
TCS Septic Google - Business insurance · Stress-free
Debbie has taken care of 3 separate policies I have for my business. I've been ready to pull out my hair, she took all the stress out of it. I'm sooo happy I called Pikes Peak Insurance Agency!
David Almstead Google - Auto insurance · Fast service
Talk about coming through in a pinch! Donald knocked it out of the park getting my vehicle insured, asking the right questions, thorough and getting it done much faster than I expected. I even changed my business insurance over to them! Debbie handled that part of it, and she made sure everything about my business was covered, asking about things that I didn't even think of (probably why they are the experts lol). I don't know what else to say other than hit them up with all of your insurance needs at Pikes Peak Insurance!
Michael Menozzi Google - Business insurance · Hard-to-place coverage
Pikes Peak was great at finding me very difficult to get coverage. Debbie Butcher was very on top of the situation to get me insured before my other policy expired. I would highly recommend working with her on your next project.
Steve Riley Google - Business insurance · Stress-free
Debbie has been very very helpful with my business insurance needs. Finding this agency was such a stress reliever. I can focus my energy on what I'm good at and she has proven to be able take care of the insurance part of things far better than I would expect!! Thank you
David Almstead Google - Business insurance · Saved money
Debbie is an exceptional agent at the Pikes Peak Insurance Agency. She helped me put together my commercial auto and workers' Comp policies so swiftly. Most importantly, she helped me save over $3,000 and negotiated a lengthy payment plan to lower my monthly premium significantly. Debbie also communicates very promptly and she was always updating me every step of the way. Debbie is very knowledgeable of her craft in insurance and will be a great asset to any business operations especially, start-ups. If I should describe my experience with Debbie in one word, it will be "EXCEPTIONAL." A big thank you to the Pikes Peak Insurance Agency for creating such a wonderful team and a mission to prioritize customer satisfaction.
Andy Lurks Google - Business insurance · Local & friendly
I've been calling around for business insurance and was having a hard time finding an Agent who understands and cares about the unique risks of being a business owner in Colorado. When I called Pikes Peak Insurance however, Krystle took the time to not only answer every one of my (one million) questions, but offered to share additional information and resources that would help my company prosper, even though I'm not even a customer yet. I haven't spoken to a single unfriendly voice and I can tell you already, these are the types of folks you want in your corner.
Danielle Stuut Google
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