bid more, worry less.
Colorado contractors live on certificates: GCs, builders and municipalities all want proof before you touch the site. We package GL, tools coverage, commercial auto, comp and bonds for trades from handyman to heavy.
10+ carriers compared
contractor insurance, done right.
trade-matched gl
Roofers, electricians, plumbers, GCs — each class has carriers that want it and carriers that don't. We know which.
tools & equipment floaters
Coverage that follows your tools to the site, the truck and the storage unit.
certificates on demand
Additional insureds, waivers of subrogation, primary wording — issued correctly, same day.
good to know, colorado edition.
Hail season is roofing season is certificate season. Have your insurance squared away before the storms; the contractor who can produce a clean COI in an hour wins jobs the slow one loses.
price it for me →
asked constantly.
What insurance does a Colorado contractor legally need?
Workers comp with employees; commercial auto for work vehicles; GL effectively mandated by contracts and many municipal licenses. Bonds where jurisdictions require them — we handle those too.
My GC wants 'additional insured + waiver of subrogation.'
Routine. We set up your policy so those endorsements issue instantly instead of becoming a paperwork crisis per job.
Are my tools covered by my auto policy?
No — cargo and tools need an inland-marine floater. It's inexpensive and it's the difference between replacing $15k of tools or not.
two minutes to real numbers.
Free contractor insurance comparison across 10+ carriers — in English, Español, 한국어 or မြန်မာ.