Contractors Insurance · Colorado
Colorado Contractors Insurance
Colorado's contractor market has exploded with the state's population growth. From custom home builders in mountain communities to commercial contractors along the Front Range, the insurance requirements from project owners and GCs are stringent. I work with contractors across Colorado — from sole proprietors to crews of 20 — building the right insurance package for custom homes, commercial office builds, mountain resort construction, and Front Range infrastructure.
Coverage contractors need in {sf}
Most contractors in Colorado need several types of coverage working together. Here's what a complete contractor insurance program looks like.
General liability
The foundation of contractor coverage. GL pays for third-party bodily injury and property damage claims. Most GCs and project owners in Colorado require at least $1M per occurrence.
Commercial auto
Your personal auto policy doesn't cover vehicles used for business. Work trucks, vans, and trailers driven between job sites need commercial auto coverage — including liability and physical damage.
Workers' compensation
Required in Colorado for businesses with employees. Workers' comp pays medical expenses and lost wages for employees injured on the job.
Tools & equipment coverage
Covers portable tools and equipment stolen from your vehicle or job site, or damaged in a loss. Limits should reflect the replacement cost of your most valuable tools.
Builder's risk
Covers the structure under construction against fire, theft, vandalism, and other perils. Often required by project owners or lenders.
Professional liability / E&O
If you provide design-build services or professional recommendations, professional liability covers claims from errors or omissions. Increasingly required on commercial projects.
Why Dayton Insurance
An independent agent who works for you
Unlike captive agents who represent one company, we shop multiple carriers to find the right coverage at the right price.
Truly independent
We represent multiple top-rated carriers — not just one company. That means you get options, not a single take-it-or-leave-it quote.
Claims advocacy
When you file a claim, you have someone in your corner. We'll walk you through the process and follow up with the carrier so you don't have to fight it alone.
One agent, start to finish
From the first quote to renewal, you work with Nate directly. No call centers, no handoffs, no surprises at renewal.
Get your quote
Ready to get covered?
As an independent broker, I shop multiple carriers to find the right fit. Most personal lines quotes come back within 24 hours. Commercial and trucking within 2–3 business days.
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Common Questions
Frequently asked questions
What contractor insurance is required to pull permits in Colorado?
Colorado building departments typically require proof of general liability and workers' compensation before issuing permits. Specific requirements vary by county and municipality.
Do I need workers' comp if I only use subcontractors?
Possibly — Colorado workers' comp laws may hold general contractors responsible for uninsured subcontractors in some situations. We review your arrangements and advise accordingly.
How do I get a certificate of insurance for a job?
Once your policy is in place, we generate certificates of insurance quickly — same day in most cases. Additional insured endorsements are handled for you.
I'm a specialty trade (HVAC, electrical, plumbing). Do I need different coverage?
The core coverage types are the same, but specialty trades often need higher GL limits and specific endorsements. We build policies around your specific trade.