Demo. This is a one page demo of what a larger site would look like.Get a site like thisSee all designs
(720) 555-0152

Insurance for People Who Build, Fix and Haul

An Aurora agency for contractors and shop owners. We compare several carriers and send certificates the same day.

Call (720) 555-0152What Do I Need?
Agent talking with a contractor beside his truck at a new home build in Aurora

Who We Write Policies For

Real trades with real risks. Swipe through, or tap a photo to see it bigger.

Cabinet shop owner cutting maple on a table saw
Cabinet and Fab ShopsA business owner's policy for the shop, plus workers comp for the crew on the saws.
Framing crew raising a wall on a new house
Framers and BuildersGeneral liability the GC will ask for, and a certificate before you start.
Landscaper driving a mower up onto a trailer
LandscapersInland marine for mowers and the trailer, which a shop policy does not cover on the road.
Plumber reaching into a stocked service van
Plumbers and HVACCommercial auto for the vans and cover for the parts inside them.

What Does My Business Need?

Fill out the ticket. The list updates as you go, with a plain reason for each policy.

Your trade
People on payroll, not counting you
Vehicles you use for work
Where you work from
Check what is true

Your Starting List

    A starting point for this demo, not advice for your exact business. What you need and what it costs depend on your work, your contracts, the carrier and underwriting. We compare several carriers and go over it with you.

    A crew member hurt on a Tuesday should not end the business by Friday.

    That is the whole job of workers comp and liability. We make sure the limits match the work.
    Agent on the phone at her desk sending a certificate

    Certificates the Same Day

    A GC will not let you on the site without one. Send the request before 3 pm and it usually goes out that afternoon.

    Additional insuredThe GC wants to be covered under your policy. We add it as an endorsement.
    Waiver of subrogationYour carrier agrees not to go after the GC. Often in commercial contracts.
    Higher limitsSome jobs ask for $2 million. An umbrella policy is the usual fix.
    City licensingMany cities ask for proof of insurance before they license a contractor.

    What Owners Say

    4.9
    ★★★★★112 Google reviews

    Serving Aurora, Denver, Centennial, Parker, Littleton, Englewood, Commerce City, Brighton and Castle Rock.

    I needed a certificate with additional insured at 1 pm for a job the next morning. It was in the GC's inbox by 3.

    Luis A. Aurora

    She caught that my trailer and mowers were not covered on the road. Fixed it the same week.

    Brandon H. Parker

    Moved our comp and auto over. Same coverage, and someone actually picks up the phone.

    Tanya M. Centennial

    Sample reviews written for this demo. Your site shows your real Google reviews, word for word.

    Questions Owners Ask

    Do I need workers comp if I only have one employee?

    In Colorado, yes. Once you have one employee, even part time, you need workers comp. Owners can usually leave themselves off the policy. Calling a helper a 1099 contractor does not always get you out of it, so ask us before you hire.

    Does my personal auto policy cover my work truck?

    Often not. Many personal policies exclude a truck used mostly for business, hauling a trailer of equipment, or one titled to your company. If a crew member drives, or the truck carries your logo, it is time to talk about commercial auto.

    What is a certificate of insurance?

    It is a one page form that shows your coverage and limits to a general contractor, a property manager or a city. It does not add coverage by itself. If a contract asks to be an additional insured, that has to be added to the policy too, and we do both.

    How fast can I get a certificate for a job?

    Most requests that come in before 3 pm go out the same business day. Send us the name and address the GC wants on it and any contract wording about additional insured or waiver of subrogation.

    What is inland marine coverage?

    It is the odd name for coverage on tools and equipment that move around, like a trailer of mowers or a truck full of tools. A normal property policy usually only covers things at your shop. This covers them on the job site and on the road.

    Got a Contract That Needs Proof of Insurance?

    Call or text the office. Have your current policy and the contract handy, and we will tell you what is missing.

    Call (720) 555-0152