Contractor Insurance
in Colorado
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:
- General Liability
Protects you from third-party claims involving property damage, bodily injury, or legal fees.
- Workers’ Compensation
Required for most businesses with employees—covers workplace injuries and medical costs.
- Commercial Auto
Covers work vehicles used to transport tools, equipment, or crews between job sites.
- Tools & Equipment (Inland Marine)
Insures your gear from theft, vandalism, or accidental damage—on or off the job.
- Builder’s Risk
Covers damage to materials, fixtures, or structures while under construction.
- Professional Liability
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:
- General Contractors
- Electricians
- Plumbers
- Roofers
- HVAC Contractors
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
- Type of Policy
Liability-only plans cost less than bundled packages.
- Coverage Limits
Higher limits offer more protection but increase premiums.
- Business Revenue
Bigger jobs and payrolls often raise your premium.
- Claim History
Fewer past claims may lead to better rates.
- Deductibles
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.