Name: Johnson Insurance Agency
Price range: $$

The Denver metro area has kept builders, remodelers, roofers, and specialty trades busy for years. Whether you’re a one-person handyman business in Englewood or a general contractor working across Arapahoe and Douglas counties, the right insurance keeps you licensed, on job sites, and protected from claims.

Licensing in Colorado

Colorado doesn’t have a statewide general contractor license. Instead, licensing is handled by cities and counties, and most Denver-area jurisdictions require contractors to be licensed or registered before pulling permits, often with proof of general liability and workers’ compensation. Electricians and plumbers are licensed at the state level through the Colorado Department of Regulatory Agencies.

Workers’ Compensation

Colorado requires nearly every employer with one or more employees, including part-time workers, to carry workers’ compensation insurance. General contractors can be considered the statutory employer of an uninsured subcontractor’s workers, so collect certificates from every sub.

Core Coverages for Contractors

General liability for injuries and property damage you cause to others, including completed operations.
Commercial auto for trucks and vans used for work. Personal auto policies usually exclude business use.
Inland marine / tools and equipment for tools and equipment that move between job sites.
Builder’s risk for buildings under construction.
Commercial umbrella for larger contracts that require higher limits.

Contract Requirements

Many contracts require additional insured endorsements, waivers of subrogation, and primary and noncontributory wording. Have us review insurance requirements before you sign so you can get certificates quickly.

Learn more about contractors insurance.

Have questions about your coverage? Call Johnson Insurance Agency at 303-768-8130 or stop by our office at 14 Inverness Dr. E, Suite G236, in Englewood. We compare coverage from multiple carriers for families and businesses across the Denver metro area and Colorado.