General Contractor Insurance for Colorado's Front Range

Managing subcontractors, job sites, and client expectations is already complex. Your insurance shouldn't be. Clients Choice Insurance makes GC coverage simple, affordable, and tailored to how you actually work.

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What General Contractors Need to Be Covered

Coverage	Why You Need It
General Liability	Covers bodily injury and property damage on your job sites
Builder's Risk	Protects structures under construction against fire, theft, and weather
Workers' Compensation	Required for your employees in Colorado — covers on-the-job injuries
Commercial Auto	Covers vehicles used to manage and travel between job sites
Umbrella / Excess Liability	Essential for large-scope projects with significant exposure
Contractor's Pollution Liability	Covers damage from dust, mold, or chemical release during construction

Why GCs in Colorado Choose Clients Choice Insurance

Coverage built around the full scope of GC operations
Fast COIs for owners, lenders, and developers
Help managing subcontractor insurance requirements
Local agents in Colorado Springs who understand Front Range construction
Access to multiple carriers for the best pricing

Frequently Asked Questions

What's the difference between a GC policy and a subcontractor policy?

GC policies typically cover broader operations, including oversight of subs and job site liability. Subs carry their own policies, but you may still be named on certain claims.

Do I need Builder's Risk on every project?

It depends on the project. Lenders usually require it for new construction. Even when not required, Builder's Risk protects you against losses during the build phase.

How do I manage insurance requirements for my subcontractors?

We can help you create a subcontractor insurance checklist and certificate tracking process so you're always protected if a sub causes an incident.

Can I get a blanket additional insured endorsement?

Yes — many of our GC policies include blanket additional insured language, which simplifies adding owners, developers, and lenders to your policy.