Colorado Workers Comp Rates 2027: What the Proposed NCCI Filing Means for Employers
Status update, October 21, 2026: The Colorado Division of Insurance scheduled a virtual public hearing on this filing for October 20, 2026. As of October 21, 2026, the Division’s workers’ compensation page lists no Commissioner’s order for the 2027 filing. We will update this post when an order is issued. NCCI has proposed a 3.9% […]
Colorado Workers Comp Insurance: What Employers Must Know in 2026
Colorado law requires workers comp for every employer with one or more employees. The Colorado Department of Labor and Employment (CDLE) Division of Workers’ Compensation oversees coverage requirements. An employer without required coverage can face penalties and may be responsible for an injured worker’s costs. Check the CDLE employer page for current requirements and penalties. […]
Business Interruption Insurance in Colorado: What It Covers, What It Costs, and How Long It Pays
Business interruption insurance in Colorado replaces the income and ongoing expenses a business loses while a covered loss, such as hail damage or a fire, forces it to close or slow down. It does not respond to every shutdown: the standard policy form requires direct physical damage at your premises from a covered cause, and […]
Certificate of Insurance in Colorado: How COIs and Additional Insured Requirements Work
A certificate of insurance (COI) in Colorado is a one-page summary that shows who insures a business, which coverages it carries, and what the limits are. It proves a policy exists. It is not part of the policy, and it does not add coverage for anyone. The current ACORD 25 form says so itself: it […]
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 […]