Commercial Insurance in Denver, CO
Running a business in Denver means navigating opportunity and risk. Whether you manage a tech startup in RiNo, a construction crew in Five Points, or a retail shop near Union Station, RPM Agency helps protect your people, property, and future with tailored commercial insurance solutions.
Business Coverage Built for Denver
General Liability Insurance
Protects against third-party injury, property damage, or advertising claims—vital for customer-facing businesses across downtown and the Denver metro.
Workers’ Compensation Insurance
Required by Colorado law—covers medical bills, lost wages, and liability when employees are hurt on the job.
Commercial Auto Insurance
Designed for delivery fleets, service vans, and commuting teams navigating I-25, Colfax, and the Cherry Creek area.
Business Interruption Insurance
Covers lost income and operating expenses after a covered disruption—critical for restaurants, retail, and office-based businesses.
Cyber Liability Insurance
Shields your digital operations from data breaches, ransomware, and cyberattacks—especially important for Denver’s fast-growing tech sector.
Surety Bonds
Required for licensing, permitting, or bidding on public projects—common for contractors and service providers in Denver.
Why Commercial Coverage Matters in Denver
Rapid Growth Brings Unique Risks
With constant construction and expansion, Denver businesses need flexible coverage that evolves with them.
Urban Density = Higher Exposure
Slip-and-fall claims, property damage, and lawsuits are more common in Denver’s walkable, high-traffic zones.
Local Compliance Matters
From licensing bonds to workers’ comp, Colorado regulations require business owners to carry the right coverage to operate legally.
Denver Commercial Insurance FAQs
What commercial insurance is required to operate in Denver?
Most Denver businesses must carry general liability and workers’ compensation insurance, especially if they have employees or interact with the public. Commercial auto insurance is also mandatory for vehicles used in business operations. Licensing or bonding may be required for certain trades and service providers. RPM helps ensure your coverage meets city and state requirements.
How can I protect my Denver business from weather-related disruptions?
Business interruption insurance is your best defense against closures caused by fire, storm damage, or power outages. With Colorado’s unpredictable weather, many downtown Denver businesses rely on this policy to replace lost income and cover rent, payroll, and other costs while recovering from unexpected events.
What industries in Denver benefit most from cyber liability insurance?
Any business that collects client data, processes payments, or operates digitally should consider cyber coverage. This includes law firms, healthcare providers, tech companies, and online retailers. With Denver’s growing startup scene and remote workforce, cyberattacks have become more frequent and costly.
Do I need commercial auto insurance if my employees drive their own vehicles
Yes—if employees use personal cars for business tasks like deliveries or client visits, you’ll need hired and non-owned auto coverage. It protects your business from liability if an employee causes an accident while driving for work. This is especially important in a city like Denver where commuting is common.
Can I bundle commercial policies for my Denver business?
Absolutely. RPM offers tailored packages that combine general liability, property, auto, and other coverages into one efficient plan. This not only reduces costs but also simplifies policy management. We help Denver business owners get the right protection at the right price.