Colorado Contractors Insurance & License Bonds
Contractor insurance for Colorado builders and trades, placed through Bearstar Insurance Services and its licensed producers. Fast certificates, license bonds and coverage built for Denver, Colorado Springs and the Front Range. Call (949) 868-7350.
Meeting Colorado’s City and County License Rules
Colorado has no statewide general contractor license. Cities and counties license contractors instead: Denver through Community Planning and Development, Colorado Springs through the Pikes Peak Regional Building Department, and Aurora, Fort Collins and Boulder through their own programs. Electricians and plumbers are licensed by the state through DORA. Many local licenses require proof of general liability, and Denver asks for $1M per occurrence / $2M aggregate.
The Hardhat Insurance Team is the marketing division of Bearstar Insurance Services. Colorado policies are placed through Bearstar Insurance Services and its licensed producers, with standard and specialty carriers that write Colorado contractors. We issue Certificates of Insurance that meet city license, permit and general contractor requirements across the Front Range. Building a home? Try our builders risk premium estimator. Roofing contractor? See our Colorado roofing contractor insurance page.
Commercial General Liability
Colorado General Liability
Local license offices and most general contractors ask for $1M per occurrence / $2M aggregate, and commercial jobs in Denver often want an umbrella too. We quote limits that satisfy both the license office and the contract.
Certificates formatted for Denver, Colorado Springs and other city license offices.
Additional insured, waiver of subrogation and primary/non-contributory wording when your GC requires it.
Surety Bonds
Colorado Contractor License Bonds
Some Colorado cities and counties require a contractor license, permit or right-of-way bond, and the amount depends on the jurisdiction and your license class. We can often issue these bonds the same day, with a quick quote and no long application.
Bad credit programs available.
License, permit and right-of-way bonds.
In Colorado, employers with employees need workers’ compensation. We compare Pinnacol Assurance and private carriers to find a rate that fits your payroll and class codes.
Pay-as-you-go options available (helps cash flow).
Waivers of subrogation for commercial contracts.
Workers' Compensation
What We Cover
Commercial Auto
Work Truck & Fleet
Your personal auto policy may not cover an accident while you’re driving for work. From I-25 commutes to mountain job sites off I-70, protect your work trucks and trailers against accidents, hail, theft and uninsured drivers, with higher limits when a contract calls for them.
Builders Risk
Builders Risk (Course of Construction)
Protect your project from fire, hail, wind, water damage and theft of materials, all common on Colorado job sites. Sample 12-month premium along the Front Range: about $579 for a $300,000 home, plus fees.
Covers materials on-site and in transit.
Required by most lenders for new construction and remodels.
Inland Marine (Tools & Equipment): Covers theft of your generator, compressor, and hand tools from the job site or your truck.
Professional Liability: For design-build contractors and construction managers.
Excess Liability (Umbrella): When the standard $1M limit isn't enough for a big commercial contract.
And More
What does builders risk insurance cost in Colorado?
Building a new home or project in Colorado? See an instant builders risk estimate. Sample 12-month premiums start around $579 for a $300,000 home, plus fees and subject to underwriting and the exact location.
Local Service Area
Serving all of Colorado. We insure trade specialists statewide.
Front Range: Denver, Aurora, Lakewood, Thornton, Boulder, Fort Collins, Greeley.
South & West: Colorado Springs, Castle Rock, Pueblo, Grand Junction.
Call: (949) 868-7350
Need a COI Today?
Get a certificate your city license office or GC will accept, often the same day.
Contractor Insurance in Denver, Colorado Springs, Aurora & Across Colorado
We insure contractors across Colorado. Here is what we see most often in the state’s busiest markets, all handled by one team and one line: (949) 868-7350.
Denver Contractor Insurance
Denver contractor licenses require proof of general liability, and most GCs and property managers want $1M/$2M, additional insured status and a waiver of subrogation. We issue certificates fast for jobs across Denver, Arapahoe and Jefferson counties.
Colorado Springs
Contractors in El Paso County register through the Pikes Peak Regional Building Department. We provide the insurance certificates it asks for and cover residential, remodel and commercial crews.
Aurora, Thornton & Castle Rock
Fast-growing suburbs mean steady new-home and multifamily work. We package general liability, workers’ comp, commercial auto and builders risk for production builders and their subs.
Boulder, Fort Collins & Greeley
Northern Colorado’s growth keeps framers, roofers and remodelers busy. We match limits to each city’s license rules and cover hail-prone job sites with builders risk.
Pueblo
Southern Colorado contractors get the same carriers and fast certificates as Denver firms, with general liability, workers’ comp, commercial auto and bonds in one place.
Grand Junction & the Western Slope
Long drives between job sites on the Western Slope make commercial auto and tools & equipment coverage important. We write coverage for contractors in Mesa County and beyond.
Colorado Workers’ Comp: Pinnacol vs. Private Carriers
Colorado requires employers to carry workers’ compensation for their employees. You can buy it from Pinnacol Assurance, the state-created insurer that writes more Colorado workers’ comp than any other company, or from private carriers that write contractors.
Pinnacol isn’t automatically the cheapest choice. Your price depends on your class codes, payroll, experience mod and claims history, and some private carriers price certain trades more aggressively or package workers’ comp with your general liability and auto.
Pinnacol often fits small Colorado employers who want a stable local insurer with strong safety resources.
A private carrier may fit contractors who want to bundle coverage, work in more than one state, or get a better rate for their class code.
We quote Pinnacol and private carriers side by side so you can compare price, payment options and service. Call (949) 868-7350.
Contact
Call
info@hardhatinsurance.net
Hard Hat Insurance is a specialized marketing division of Bearstar Insurance Services.
Insurance services provided by Bearstar Insurance Services.
Jesus Galvan is a licensed insurance broker in CA, ID, NV, OR, TX and WA, serving contractors in AZ, CO and across the western U.S. California License #4291921.
Other license numbers available upon request. Coverage availability varies by state.
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