Colorado Springs, Colorado
Commercial insurance built around how your business actually operates.
Timothy K Garrett Agency is an independent agency serving Colorado Springs businesses and the contractors who build here — general contractors, electricians, HVAC, plumbing, and the trades alongside them.
- Commercial
- Our sole focus — no personal lines distractions
- Contractor
- Trade classes we place every week
- Local
- Colorado Springs & El Paso County
Coverage
The policies commercial operations in Colorado actually need
We build programs line by line rather than handing you a template, then keep them current as crews, contracts, and equipment change.
General Liability
Third-party bodily injury, property damage, and completed-operations protection — the coverage most Colorado contracts require before you can start work.
DetailsCommercial Property
Buildings, shops, offices, inventory, and business personal property protected against fire, hail, theft, and Front Range weather.
DetailsCommercial Auto
Service vans, work trucks, and fleets — including hired and non-owned exposure when employees drive their own vehicles.
DetailsWorkers' Compensation
Colorado-compliant work comp placed with carriers that understand trade classifications and experience modification factors.
DetailsBusiness Owner's Policy
Property and liability bundled into one efficient policy for shops, offices, and smaller commercial operations.
DetailsUmbrella & Excess Liability
Additional limits above your primary policies — often the difference between qualifying for a contract and losing the bid.
DetailsInland Marine, Tools & Equipment
Coverage for the equipment that moves — scheduled tools, leased machinery, and materials in transit or stored on the jobsite.
DetailsBuilder's Risk
Course-of-construction protection for ground-up builds, remodels, and tenant improvements across El Paso County.
DetailsIndustries
Deep in the trades, at home with commercial
Contractors carry risk that generalist agents miss — subcontractor transfer, certificate requirements, and tools in transit. That is where we spend our time.
Why the Garrett Agency
Independent advice, local judgment
Independent, not captive
We shop multiple carriers on your behalf rather than defending one company's appetite, and we tell you plainly when a market is not competitive for your class.
Built for contractors
Certificates, additional insured endorsements, and contract insurance requirements handled with the turnaround a jobsite actually runs on.
Local to Colorado Springs
We know El Paso County contracts, Front Range hail patterns, and the carriers writing business here — because we work here.
Service after the signature
Mid-term changes, audits, claims advocacy, and renewal strategy are part of the relationship, not an upsell.
Business and personal, under one roof. Alongside commercial lines, we write home, auto, renters, and personal umbrella — so your family and your business are handled by the same team.
Personal insuranceOur team
A small bench that knows your account by name
Producers and service staff who work commercial lines every day. Full team profiles are being finalized.
Get started
Send us your renewal date and we'll take it from there
Tell us about the operation, the contracts you're bidding, and where your current program falls short. We'll come back with a plan and real market feedback.