Our Commercial Insurance Specialties

The core coverages Colorado contractors and small businesses are asked for — and the guidance to know which ones you actually need.

Construction crew working on a job site

General Liability

Covers: third-party bodily injury, property damage, and products & completed operations arising from your work.

Typically required before a GC will let you on site.

Get A Quote
Carpenter cutting lumber with a circular saw

Workers' Compensation

Covers: medical costs, lost wages and employer liability for on-the-job injuries.

Required in Colorado as soon as you have employees.

Get A Quote
Commercial work truck on the road

Commercial Auto

Covers: liability and physical damage on owned, hired and non-owned vehicles.

Personal auto policies exclude most business use.

Get A Quote
New residential construction

Builders Risk & Contractor Bonds

Covers: the structure while it's under construction, plus license, bid, performance and payment bonds.

Often required by the project owner or municipality.

Get A Quote
Reviewing construction plans and drawings

Professional Liability

Covers: claims that your professional advice, design or specification caused a financial loss.

Matters most for design-build, consulting and spec work.

Get A Quote
Laptop and phone used for business data

Cyber Liability

Covers: breach response, data restoration, funds-transfer fraud and business interruption.

Increasingly asked for in contracts and by lenders.

Get A Quote

Why Choose Client's Choice Insurance?

A broker who knows contractor risk — not a call center reading from a script.

Tailored Plans

Coverage built around your trade, your payroll and your job mix.

Quick Claims

We report it, track it, and stay on the adjuster until it's closed.

Shopped Every Renewal

We re-market your account at renewal instead of just re-billing it.

What kinds of businesses do you insure?

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.

How do I get a quote?

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.

How fast can I get a certificate of insurance?

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.

Do I need workers' compensation in Colorado?

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.

How do I file a claim?

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.

Frequently Asked Questions

Straight answers to what contractors and small business owners ask us most.

Client's Choice Insurance, Colorado Springs CO

LEGAL

CONTRACTORS

ADDRESS

FOLLOW US

©Copyright 2026. Clients Choice Insurance. All Rights Reserved.