Colorado Springs contractors
Contractor Insurance in Colorado Springs — General Liability & Workers' Comp
One submission, multiple carriers, and an agent who reads the insurance exhibit before you sign the contract. Built for trades working across El Paso County and the Front Range.
- GL and work comp quoted together so nothing falls between policies
- Additional insured, primary & non-contributory, and waiver language reviewed
- Certificates issued during business hours by the same office you call
- Independent agency — we shop your risk instead of defending one carrier
Get contractor quotes
Takes about two minutes. A licensed producer follows up within one business day.
What's in the bundle
The two policies almost every contract asks for
Quoted together, so limits, classifications, and endorsements line up instead of contradicting each other.
General Liability
Responds to third-party bodily injury and property damage arising out of your work — the trench that undermines a neighbor's slab, the ladder that goes through a window, the completed job that leaks two years later. This is the policy behind the certificate your GC is asking for, and the one whose endorsements decide whether that certificate is actually acceptable.
- Premises and ongoing operations
- Products & completed operations
- Additional insured and waiver endorsements by contract
- Subcontractor requirements reviewed with you
Workers' Compensation
Pays medical care and lost wages when a crew member is hurt on the job, and provides employer's liability protection. Classification codes and payroll reporting drive the premium and the audit, so getting them right at the start is the difference between a clean audit and a surprise bill.
- Class code review before binding
- Payroll and audit expectations explained
- Experience modification tracked over time
- Certificates for GCs and project owners
Commonly added alongside
This page is general information only and is not legal, tax, or coverage advice. Actual coverage is governed by the terms, conditions, limits, and exclusions of the policy as issued.
Why contractors call us
An independent agency that works the contract, not just the premium
Independent
We are not tied to one carrier. Your submission goes to markets that actually write your class in Colorado.
Certificates handled
Requests are handled in-office during business hours, with the endorsements your contract requires.
Local
Colorado Springs and the Front Range — the same permitting offices, GCs, and weather you deal with.
Questions
What contractors ask before they switch
- How fast can I get a certificate of insurance?
- Once your policy is active with us, certificate requests are handled by the office during business hours. Send the requirements from your contract or general contractor and we will issue the certificate with the right holder, description, and endorsements.
- What does contractor insurance cost in Colorado Springs?
- Premium depends on your trade, payroll, receipts, subcontractor use, loss history, and the limits your contracts require. We do not publish rates because a quote that ignores those inputs is not a real number — send the details and we will bring back carrier pricing.
- Do I need workers' compensation if I have no employees?
- Colorado generally requires workers' compensation once you have employees, and many general contractors and project owners require it contractually even from single-person subcontractors. We can review your situation and what your contracts demand.
- Can you write a brand-new contracting business?
- Yes. New ventures are quotable with several carriers we work with, though underwriting will look closely at your prior experience in the trade, the work you will self-perform, and your subcontractor controls.
- Do you handle additional insured and waiver of subrogation requirements?
- That is most of the job. Send the insurance exhibit from the contract before you sign it and we will tell you what your current program does and does not satisfy, and what it takes to close the gap.
Ready for real numbers on GL and work comp?