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 […]
Replacement Cost vs Actual Cash Value: What Colorado Business Owners Need to Know
By Rob Whittet, Agency Partner | CO License #342852 Replacement cost coverage pays to replace damaged business property with new property of like kind and quality, with no deduction for age or wear. Actual cash value pays the depreciated value instead, subtracting for how old and worn the property was before the loss. On a […]
Colorado’s 2026 Hail Season and What It Means for Your Business Property
By Rob Whittet, Agency Partner | CO License #342852 If you own a commercial building anywhere along Colorado’s Front Range, hail is the single most likely event to put a serious dent in both your property and your income this summer. Colorado’s 2026 hail season is already active, with large hail reported across the state […]
Home Insurance in Colorado’s High Fire Risk Areas: What Foothill Homeowners Need to Know in 2026
By Rob Whittet, Agency Partner | CO License #342852 Colorado homeowners in high fire risk foothill areas can still get coverage in 2026, through admitted carriers offering mitigation credit, surplus lines carriers, or the Colorado FAIR Plan as a last resort, but the approach that worked five years ago no longer does. If you own […]
My Colorado Home Insurance Was Non-Renewed. Here Is What to Do Next.
By Rob Whittet, Agency Partner | CO License #342852 The letter arrives by mail, usually sixty to ninety days before your policy expires. It is a Notice of Non-Renewal, and for Colorado homeowners in foothill communities, mountain towns, and anywhere near the wildland-urban interface, it has become one of the most stressful pieces of correspondence […]
Colorado Commercial Umbrella Insurance: When Your Business Needs Extra Coverage
By Rob Whittet, Agency Partner | CO License #342852 A commercial umbrella policy costs most Colorado businesses between $500 and $2,500 per year for $1 million in additional liability coverage, which makes it one of the most cost-efficient insurance purchases available to any business owner. The question is not whether umbrella coverage is affordable. The […]
What Colorado Employers Need to Know About ICE Worksite Enforcement and Business Insurance in 2026
By Rob Whittet, Agency Partner | CO License #342852 Three Denver-area businesses were issued more than $8 million combined in fines by Immigration and Customs Enforcement earlier this year for employing unauthorized workers, and the enforcement environment that produced those penalties has intensified considerably since then. Colorado employers in construction, restaurants, landscaping, janitorial services, and […]
How Much Does Business Insurance Cost in Colorado in 2026
Business insurance in Colorado costs most small businesses between $1,200 and $12,500 per year when combining the core policies they need, such as general liability, commercial property, and workers compensation, according to 2026 commercial insurance market data for Colorado. Contractor and trade businesses that add commercial auto, umbrella liability, and higher workers comp premiums can […]