Running a small business in Denver means you have enough to worry about without wondering whether one lawsuit or accident could shut you down. Sierra Insurance Group shops multiple carriers to find affordable commercial coverage tailored to your industry, your risks, and your budget.
We compare rates from multiple carriers so you get the right coverage at the best price — no matter your industry.
A BOP bundles property and liability coverage into one policy, usually at a lower cost than buying each separately. It is the go-to starting point for most Denver small businesses, from retail shops to consulting firms.
General liability insurance covers third-party bodily injury, property damage, and advertising claims. Most landlords, clients, and contracts in Denver require it before you can sign a lease or start a project.
Colorado requires workers comp for nearly all employers. It covers medical bills and lost wages when an employee gets injured on the job, and it protects you from personal liability for workplace accidents.
If your business owns vehicles or your employees drive for work, commercial auto insurance covers accidents, liability, and vehicle damage. Personal auto policies do not cover business use — make sure your fleet is properly protected.
Most Denver small businesses start with a business owner's policy that bundles property and liability coverage. From there, you may need workers comp, commercial auto, or professional liability depending on your industry. Colorado requires workers comp if you have any employees at all.
A basic BOP for a Denver small business typically runs $30 to $80 per month, depending on your industry, revenue, and number of employees. General liability on its own can be $25 to $50 per month. We shop multiple carriers to find the best rate for the coverage you actually need.
A BOP combines commercial property insurance and general liability into a single policy, usually at a lower premium than buying them separately. It covers damage to your business space, lost equipment, and lawsuits from third-party injuries or property damage. For most small businesses, it is the best value coverage option.
Yes. Colorado law requires workers compensation for nearly all employers, even with just one employee. It pays for medical treatment and lost wages when someone gets hurt on the job. Going without it exposes you to fines, penalties, and personal liability for workplace injuries.
Yes. Once your policy is bound, we can issue a certificate of insurance the same day — often within a few hours. Many Denver contractors, landlords, and clients require a COI before you can start work or sign a lease. We make sure you are not waiting around when a deadline is on the line.
Denver's small business economy is spread across dozens of neighborhoods, each with its own mix of industries and insurance needs. Restaurants and bars along Tennyson Street, in RiNo, and throughout the Highlands need general liability, liquor liability, and workers comp. Construction companies building along the Front Range need GL, commercial auto, and workers comp with the right class codes to match their trade. Professional services firms in LoDo, the Denver Tech Center, and Cherry Creek need professional liability and a basic BOP. No matter the industry, the starting point is the same: figure out what risks your business actually faces, then build a policy around those risks without paying for coverage you do not need.
A business owner's policy — BOP — is where most Denver small businesses begin. It bundles commercial property insurance and general liability into a single policy at a lower cost than buying each separately. A BOP covers your equipment, inventory, and office space against fire, theft, and weather damage, while the liability portion handles third-party injury and property damage claims. Business interruption coverage, which is included in most BOPs, replaces lost income if a covered event forces you to shut down temporarily. For Denver businesses, that could mean anything from a kitchen fire to hail damage that closes your storefront for repairs.
Denver's business licensing process often triggers insurance requirements that catch new owners off guard. Depending on your industry and location, you may need proof of general liability, workers comp, or both before the city issues your license. Commercial landlords in Denver also require a certificate of insurance before you sign a lease. Colorado law requires workers compensation for any business with one or more employees — no exceptions for part-time, seasonal, or family members. The penalties for operating without workers comp include a $500 per day fine, personal liability for any injuries, and potential criminal charges. Sierra Insurance Group shops multiple carriers for every commercial line, issues certificates the same day, and handles general liability, workers comp, BOPs, and commercial auto from one office at 200 Quebec St.
I started Sierra Insurance Group to help Denver families find coverage that actually fits — at a price that makes sense. We take the time to understand your situation and match you with the right protection, not just the first quote.
