Colorado Workers Comp Rates 2027: What the Proposed NCCI Filing Means for Employers
NCCI has proposed a 3.9% decrease in Colorado’s average workers’ comp loss costs, effective January 1, 2027. It is a proposal, not a decision: the Colorado Division of Insurance holds a public hearing on October 20, 2026, and the Commissioner rules afterward. Even if the filing is approved as proposed, your own premium depends on […]
General Liability Insurance for Colorado Retail Businesses
If a customer slips and falls in your Colorado retail store, the claim against you isn’t governed by the same general negligence standard used in most states. Colorado handles this by statute, and the law puts customers in the single category of visitor owed the highest legal duty of care a property owner can owe. […]
General Liability Coverage Limits in Colorado: What $1 Million vs. $2 Million vs. $5 Million Actually Means
If you’re comparing $1 million, $2 million, and $5 million in general liability coverage like they’re three different products at three different price points, the framing is off before you even get a quote. For most small businesses, $1 million and $2 million aren’t a choice between two tiers at all — they’re already bundled […]
Renters Insurance for Colorado College Students: What to Know Before You Sign a Lease
If you’re moving into off-campus housing near CU Denver, DU, or MSU Denver this fall, your parents’ homeowners policy probably doesn’t cover what’s inside that apartment. Coverage that follows a dependent student to a dorm room typically stops the moment you sign your own lease. What Your Parents’ Policy Actually Covers at School If you […]
After the August Hail Storms, What Colorado’s New Roof Grant Law Means for Your Business
Two hailstorms hit the Denver metro in the space of three days this August, and Colorado’s new hail mitigation law won’t pay to fix either one if the property that got hit is a business. SB26-155, signed by Governor Polis on June 4, 2026, funds roof grants for homeowners only. Commercial buildings aren’t eligible, and […]
What General Liability Insurance Covers, and Doesn’t Cover, for Colorado Restaurants
By Rob Whittet, Agency Partner | CO License #342852 General liability insurance covers the claims that come up most often at a Colorado restaurant: a customer who slips on a wet floor, a delivery that damages a neighboring business’s property, an advertising dispute over a menu design or slogan. For most Denver-metro and Colorado restaurants, […]
General Liability vs. Professional Liability Insurance: Which Does Your Colorado Business Need?
By Rob Whittet, Agency Partner | CO License #342852 General liability and professional liability insurance are the two most common commercial policies Colorado business owners buy, and also the two most confused with each other. General liability covers third-party bodily injury, property damage, and advertising injury, the kind of claim that comes from someone getting […]
What Colorado’s HB 25-1001 and SB 26-189 Mean for Employer Liability Coverage
By Rob Whittet, Agency Partner | CO License #342852 Two Colorado laws are changing what employer liability actually means for business owners across Denver, Centennial, and the rest of the state, and neither one is primarily about the coverage most owners think of first. HB 25-1001 already exposes owners who hold 25 percent or more […]
Business Owners Policy vs. General Liability Insurance: Which Does Your Colorado Business Need?
By Rob Whittet, Agency Partner | CO License #342852 Most Colorado businesses that lease a storefront, own equipment, or carry inventory are better served by a business owners policy than by standalone general liability insurance, because a BOP bundles the same liability coverage together with commercial property and business income protection, usually at a lower […]
The Colorado Privacy Act and Your Business: Breach Obligations, Costs, and Cyber Coverage
By Rob Whittet, Agency Partner | CO License #342852 The Colorado Privacy Act gives Colorado residents rights over their personal data and places real obligations on the businesses that collect and process it. It applies to any business that handles the personal data of 100,000 or more Colorado consumers in a year, or that makes […]