Mostly Colorado commercial contractors — roofers, general contractors, plumbers, electricians and residential remodelers — along with other small businesses in Colorado Springs and across the state. We also handle personal lines for our commercial clients and their families.

Call (719) 286-9425 or send us your details through the contact page. We'll tell you exactly what the carriers need — usually payroll, annual receipts, a schedule of vehicles or equipment, and any loss runs — then market it and walk you through the differences.

Most requests go out the same business day. Send the holder's exact name and address, plus any additional insured, primary and non-contributory, or waiver of subrogation wording your contract calls for, and we'll match it.

Generally yes — Colorado requires coverage once a business has employees, including part-time and family. Sole proprietors and certain officers can reject coverage for themselves, but most general contractors will still want a policy or a signed rejection on file before you start work. We'll walk you through which applies to you.

Call us first at (719) 286-9425. We'll report it to the carrier, get you the claim number and the adjuster's contact information, and stay involved until it's resolved. After hours you can report directly to your carrier and let us know the next morning.