commercial INSURANCE
Protecting your business is about more than just checking a box—it’s about preparing for real-world risks. At RPM Agency, we help Denver metro businesses find clear, reliable coverage that supports growth and peace of mind. Our team works to make commercial insurance easy to understand and even easier to trust.
General Liability Insurance
Protect your business from financial loss due to accidents, property damage, or lawsuits. A must-have for nearly every business, general liability provides the foundation for a strong risk management plan.
Workers’ Compensation Insurance
Ensure your employees are protected—and your business stays compliant—with workers’ compensation insurance. It covers medical costs, lost wages, and rehabilitation if an employee is injured on the job.
Commercial Auto Insurance
If your business relies on vehicles for deliveries, transport, or services, commercial auto insurance is essential. It covers company vehicles, drivers, and property damage arising from accidents or collisions.
Business Interruption Insurance
Unexpected closures from disasters or emergencies can devastate a business. Business interruption coverage helps replace lost income and covers ongoing expenses while you get back on your feet.
Cyber Liability Insurance
Protect your business against data breaches, cyberattacks, and digital fraud. Cyber liability coverage helps cover response costs, client notifications, and potential legal liabilities after a breach.
Surety Bonds
Certain industries require bonds to guarantee project completion or compliance with regulations. RPM Agency offers a variety of surety bonds to help businesses operate with confidence and meet contractual obligations.
Builders Risk
Construction and renovation projects face unique risks before they’re complete. Builders risk insurance from RPM Agency helps protect your investment—covering damage to structures, materials, and jobsite equipment during the course of construction.
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Frequently Asked Questions
What types of commercial insurance are required in Colorado?
In Colorado, businesses with employees are legally required to carry workers’ compensation insurance. Commercial auto insurance is also mandatory if you operate vehicles for business purposes. While other coverages like general liability and cyber insurance aren’t legally required, they are highly recommended to protect against lawsuits, data breaches, and unexpected events. Having the right combination of policies helps minimize both legal risks and financial exposure.
How do I know what insurance my business actually needs?
The right insurance depends on your business size, industry, operations, and specific risks. For example, a retail shop will have different needs than a construction company. At RPM Agency, we work closely with you to assess your risks and recommend coverage that fits your goals and your budget. Our goal is to simplify the process and give you real options, not overwhelm you with unnecessary policies.
What does business interruption insurance actually cover?
Business interruption insurance helps replace lost income if your business must temporarily close due to a covered event like a fire or natural disaster. It can also cover fixed expenses like rent, payroll, and utilities while your operations are suspended. This type of policy can be the difference between a temporary setback and a permanent closure. We’ll help you determine the right coverage limits based on your business needs.
Why is cyber liability insurance important even for small businesses?
Many small businesses mistakenly believe they aren’t targets for cyberattacks, but hackers often focus on smaller companies with fewer security resources. Cyber liability insurance helps cover costs like legal fees, customer notifications, and identity recovery if your data is breached. Without it, even a single attack could be financially devastating. We’ll help you secure affordable, comprehensive cyber protection that’s scaled for your business.
How can RPM Agency help my business stay protected long term?
At RPM Agency, we believe in more than just selling a policy—we believe in building a partnership. We’ll review your coverage regularly as your business grows or changes to make sure you’re always protected properly. Our educational approach means you’ll understand what you have and why it matters. With RPM, you’ll always have a trusted resource on your side when it comes to business insurance.