PPRBD Insurance Requirements for Contractors

To hold a contractor license with the Pikes Peak Regional Building Department, you need general liability on file, workers' comp or a signed rejection, and a certificate written exactly the way PPRBD asks. Here is what that means and how to get it right the first time.

Get a PPRBD-Ready Quote

Who This Applies To

PPRBD licenses contractors working in Colorado Springs, unincorporated El Paso County, Fountain, Woodland Park, Manitou Springs, Monument, Green Mountain Falls, Palmer Lake and Calhan. State-licensed electricians and plumbers also register with PPRBD and must keep the same insurance on file.

What PPRBD Requires

Requirement	What it means for you
General liability limits	$1,000,000 per occurrence and $2,000,000 general aggregate for most license classes, including building, electrical, mechanical and plumbing.
Certificate holder	Must read exactly: Pikes Peak Regional Building Department, 2880 International Circle, Colorado Springs, CO 80910.
Named insured	Must match the business name on your license application and Colorado Secretary of State records exactly, including trade names.
10-day notice endorsement	Your policy needs an endorsement requiring the carrier to notify PPRBD at least 10 calendar days before any cancellation or reduction in coverage. Not every carrier offers it.
Policy number	The certificate must show a policy number. A binder or "pending" policy only satisfies PPRBD until the temporary coverage ends.
Full scope of your license	Coverage has to fit all the work your license allows. If you can work on residential and commercial jobs, your policy can't exclude either.
Workers' compensation	With employees: a current workers' comp certificate. With no employees: a Rejection of Coverage that complies with the Colorado Division of Workers' Compensation.

Extra Wording for Roofers

Roofing contractors need one of these two sentences in the Description of Operations on the certificate:

Re-roofing is included in general liability coverage.

Re-roofing is not excluded in general liability coverage.

Wrecking and fire alarm or fire suppression contractors need similar wording for their work. More on roofer coverage: roofing contractor insurance.

How We Handle It

Quote carriers that will add PPRBD's 10-day notice endorsement
Match the named insured to your Secretary of State record before the certificate goes out
Issue the certificate with PPRBD's exact holder wording, plus roofing wording when needed
Walk you through workers' comp or the owner rejection form if you have no employees
Send a new certificate at every renewal so your license doesn't get suspended

PPRBD Insurance Questions

What happens if my insurance lapses?

PPRBD treats a lapse, cancellation or reduction in coverage as cause for automatic license suspension. That is why the 10-day notice endorsement matters, and why renewals need a fresh certificate on file.

How do I send my certificate to PPRBD?

PPRBD accepts certificates by email at [email protected], by fax at (719) 327-2951, or by mail or in person at 2880 International Circle. We can send it for you.

Can I use a binder while my policy is being issued?

It only counts until the temporary coverage ends. Send PPRBD a new certificate as soon as the policy number is assigned.

I work alone. Do I still need workers' comp?

Not if you file a valid rejection of coverage. Colorado sole proprietors and qualifying LLC members or officers can reject coverage for themselves, but you need it on file with PPRBD. See Colorado workers' comp insurance.

See general contractor insurance, coverage by trade and our contractor insurance FAQs.

Requirements summarized from PPRBD's Insurance Requirements for Contractors page, checked October 2026. PPRBD's rules control; confirm with PPRBD at (719) 327-2880. Coverage is subject to policy terms, conditions and exclusions.