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Contractor Insurance
in Colorado

Contractors: Claim Free Insurance Quote

Contractors: Claim Free Insurance Quote

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Stay Compliant and Protect Your Projects in Colorado’s Construction Industry

From sudden snowstorms to strict licensing laws, Colorado contractors face a unique set of challenges. Whether you’re remodeling homes in Denver or managing solar installations near Colorado Springs, you need insurance that’s built for your trade—and your state. 

 

At ACI, we make it easy to get affordable, compliant coverage that keeps your business, crew, and clients protected.

Why Contractors in Colorado Choose ACI

State-Specific Expertise
We know Colorado’s construction laws and licensing requirements.

Fast Certificates
Get proof of insurance in minutes, not days.

Customized Policies
Coverage tailored to your trade and risk profile.

Bundled Savings
Combine policies and save up to 25%.

Streamlined Quotes
No phone tag, just fast, online access to your options.

Insurance Coverage We Offer in Colorado

We offer comprehensive protection for general contractors and specialty trades throughout Colorado. Our most popular policies include:

Protects you from third-party claims involving property damage, bodily injury, or legal fees.

Required for most businesses with employees—covers workplace injuries and medical costs.

Covers work vehicles used to transport tools, equipment, or crews between job sites.

Insures your gear from theft, vandalism, or accidental damage—on or off the job.

Covers damage to materials, fixtures, or structures while under construction.

Protects against claims of negligence, errors, or omissions in your work or documentation.

Who We Cover in Colorado

If you work in Colorado construction, we’ve got a policy built for your trade. From solo tradesmen to large contracting businesses, we cover:

If you work in Colorado construction, we’ve got a policy built for your trade.

How Much Does Contractor Insurance Cost in Colorado?

The cost of contractor insurance varies depending on your trade, business size, and the type of coverage you need.

Cost Factors

Liability-only plans cost less than bundled packages.

Higher limits offer more protection but increase premiums.

Bigger jobs and payrolls often raise your premium.

Fewer past claims may lead to better rates.

Lower deductibles = higher monthly payments (and vice versa).

Example: Deductible Impact on Monthly Cost

Choosing a higher deductible—like $2,500 instead of $500—can significantly reduce your monthly insurance premium.

Want an exact number?

Colorado Contractor Insurance Requirements

Colorado contractors must meet specific insurance requirements to stay licensed, legal, and protected on the job. Here are four key coverages that may be required based on your trade and location:

Workers’ Compensation Insurance

Required for any business with one or more employees. Covers medical costs and lost wages from work-related injuries or illnesses.

Commercial Auto Insurance

If you use vehicles for business purposes, Colorado law requires liability coverage that meets state minimums for bodily injury and property damage.

General Liability Insurance

Often required for contractor licensing in cities like Denver and Boulder. This protects against third-party property damage, bodily injury, and legal expenses.

Surety Bonds

Some municipalities mandate a contractor bond (e.g., Denver requires a $50,000 surety bond for general contractors) to ensure you meet contractual and legal obligations.

Requirements vary by trade and location—get personalized guidance to ensure compliance.

Get a Free Contractor Insurance Quote

in Colorado

One claim can cost you big. Get covered now with a free, trade-specific quote—no delays, no pressure.

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