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Colorado Insurance Blog

Required Commercial Insurance in Colorado

When you do business in Colorado, there are certain commercial insurance types that you are required to have. Without these, you can put your business in financial danger both of accidents occurring and of being assessed fines and other penalties by the state. If you need commercial insurance for your business, give us a call at AFI Insurance in Denver, CO.

Workers’ Compensation Insurance Coverage

In Colorado, all businesses must have workers’ compensation insurance. This is necessary to have because it pays for the medical bills and lost wages that employees get when they have an injury at work. This protects your employees by making sure that funds will be available for that purpose if an accident should happen. It also protects your business by protecting it financially in case of an accident. 

Commercial Auto Insurance

In Colorado, it is required for you to carry commercial auto insurance for either a company vehicle or a personal one that is used for work activities. This insurance must have coverage for bodily injury liability as well as property damage liability. There is a required amount for one person who is injured in an accident and another amount required for two or more people injured. This protects your business in case an accident is caused by one of your vehicles. It can also be helpful to get other types of coverage along with the required ones.

Professional Liability Insurance

This type of insurance covers you against errors and omissions that can cause damages. This type of insurance is only required among those in the health profession, but it’s also highly recommended for other professional services businesses such as architects and attorneys. 

Get Your Commercial Insurance Coverage

If you have a business in Colorado, you will need commercial insurance in most cases. To find out more, give us a call now at AFI Insurance in Denver, CO.

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