Business Insurance for Colorado Companies

Protect your business, employees, property, and future with coverage compared from multiple insurance companies.

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EXISTING CLIENT SERVICE
EXISTING CLIENT SERVICE

Independent Agency

Multiple Insurance Companies

Personal Local Service

Insurance Experience Since 2011

Coverage Built Around Your Business

Every business is different. We help Colorado business owners compare coverage that fits their operations, industry, employees, property, and budget.

BUSINESS OWNERS POLICY

Helps protect your building, equipment, inventory, furniture, and other business property from covered losses.

GENERAL LIABILITY

Helps protect your business from covered claims involving bodily injury, property damage, and personal or advertising injury.

COMMERCIAL PROPERTY

Helps protect your building, equipment, inventory, furniture, and other business property from covered losses.

WORKERS’ COMPENSATION

Helps protect your business from covered data breaches, cyberattacks, privacy incidents, and other digital risks.

CYBER LIABILITY

Helps pay eligible medical expenses and lost wages when an employee experiences a covered work-related injury or illness.

PROFESSIONAL LIABILITY

Helps protect your business from claims alleging errors, omissions, negligence, or problems with professional services you provide.

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

✓ Coverage explained in plain language

✓ Options based on your property and budget

✓ Continued assistance as your business grows

COMPARE MY OPTIONS

Additional Protection for Colorado Businesses

COMMERCIAL UMBRELLA

Provides additional liability limits above qualifying underlying business policies.

EMPLOYMENT PRACTICES LIABILITY

Helps protect your business from covered employment-related claims involving discrimination, harassment, retaliation, or wrongful termination.

EQUIPMENT BREAKDOWN

Helps pay for covered repair or replacement costs when essential equipment experiences a mechanical or electrical breakdown.

INLAND MARINE

Helps protect covered tools, equipment, and other business property while in transit or away from your primary location.

Business Insurance FAQs

  • Business insurance may include general liability, commercial property, business income, workers’ compensation, professional liability, cyber liability, commercial auto, and other specialized coverage. Your needs depend on your operations and industry.

  • The appropriate coverage depends on your industry, services, employees, vehicles, equipment, property, contracts, and potential risks. We review these details before recommending options.

  • An LLC may provide some separation between business and personal assets, but it does not prevent lawsuits, property losses, employee injuries, or other business risks. Insurance can provide additional financial protection.

  • A Business Owners Policy, commonly called a BOP, combines general liability and commercial property coverage for qualifying businesses. Business income and other coverage may also be included or added.

  • Yes. Depending on the business, several coverages may be packaged together. Combining coverage may simplify billing and policy management and may provide better overall value.

  • Employee theft is not automatically covered by every business policy. Commercial crime or employee-dishonesty coverage may need to be added.

  • Homeowners insurance may provide little or no coverage for business property, inventory, customers, or business liability. A home-based business endorsement or separate commercial policy may be needed.

  •  Pricing may be affected by your industry, annual revenue, payroll, number of employees, property values, location, claims history, vehicles, equipment, coverage limits, and deductibles.

  •  We generally need information about your operations, business location, annual revenue, payroll, employees, property, equipment, vehicles, prior coverage, and claims history.