Business Insurance in Colorado Springs
From everyday risks to unexpected setbacks, we help Colorado business owners compare coverage designed for their operations, property, employees, and goals.
Explore practical insurance options for the risks your business faces every day.
COVERAGE FOR EVERY PART OF YOUR BUSINESS
BUSINESS OWNERS POLICY
Combines common property and liability coverages into one convenient policy for eligible businesses.
GENERAL LIABILITY
Helps protect your business against covered claims involving third-party bodily injury, property damage, and personal or advertising injury.
COMMERCIAL PROPERTY
Helps protect your building, equipment, inventory, furniture, and other covered business property.
COMMERCIAL AUTO
Helps cover business vehicles with liability, collision, comprehensive, and other available protection.
PROFESSIONAL LIABILITY
Helps protect service-based businesses against covered claims involving professional errors, omissions, or negligent advice.
WORKERS’ COMPENSATION
Helps provide eligible medical and wage-replacement benefits when an employee experiences a covered work-related injury or illness.
More Options.
Personal Guidance.
As an independent insurance agency, McCloskey Advisor Group can compare coverage from multiple insurance companies instead of offering products from only one company. We look beyond the price to help you understand the coverage, limits, deductibles, and options included with each quote.
✓ Quotes from multiple insurance companies
✓ Recommendations built around your business
✓ Coverage explained in plain language
✓ Local assistance when you need it
Why Colorado Springs Businesses Choose Us
MULTIPLE CARRIERS
We compare options from multiple insurance companies to help find coverage that fits your business.
CLEAR RECOMMENDATIONS
We explain your options in plain language so you can make informed decisions.
LOCAL GUIDANCE
We are based in Colorado and understand many of the risks facing local businesses.
ONGOING SUPPORT
We help with policy changes, coverage questions, certificates, and claims support.
Business Insurance FAQs
Answers to common questions about business insurance in Colorado from McCloskey Advisor Group, your local independent agency in Colorado Springs.
What types of business insurance does McCloskey Advisor Group offer in Colorado Springs?
We help Colorado businesses with business owners policies (BOP), general liability, commercial property, commercial auto, professional liability, workers’ compensation, commercial umbrella, and other coverages. Availability depends on your industry, operations, and the insurance company.
What is a business owners policy (BOP)?
A business owners policy combines general liability and commercial property coverage into one package, often at a lower cost than buying them separately. BOPs are designed for many small and mid-sized businesses, though eligibility depends on your business type and size.
Is workers’ compensation insurance required in Colorado?
In general, Colorado requires most employers with one or more employees, including part-time employees, to carry workers’ compensation insurance. Certain exceptions may apply, so we can help you review your situation and compare workers’ comp options.
Do I need commercial auto insurance if I use my personal vehicle for work?
Possibly. Personal auto policies may limit or exclude coverage when a vehicle is used for business purposes. If you or your employees drive for work, we can review your use and help you decide whether commercial auto or hired and non-owned auto coverage makes sense.
How much does business insurance cost in Colorado?
The cost depends on your industry, location, revenue, payroll, number of employees, claims history, and the coverage limits and deductibles you choose. Because we compare multiple insurance companies, we can help you find coverage that fits your business and budget. Request a business insurance quote to see your options.
Can McCloskey Advisor Group provide certificates of insurance for my business?
Yes. Once your policy is in place, we can help you request certificates of insurance for clients, landlords, and contractors, and assist with additional insured requests when your policy allows them. Current clients can use our client service form.
Why work with an independent agency for business insurance?
An independent agency can compare options from multiple insurance companies instead of just one. We help you understand the coverage, limits, and exclusions in each quote and provide local support as your business grows. Learn more about McCloskey Advisor Group.
Do you insure businesses outside Colorado Springs?
Yes. McCloskey Advisor Group works with businesses in Colorado Springs, Monument, Falcon, Fountain, Peyton, Woodland Park, and throughout Colorado, subject to insurance company eligibility and availability.
Ready to compare business insurance? Tell us about your business and we’ll shop multiple insurance companies for you. Request a business insurance quote.