Colorado contractors insurance

Licensing & registration in Colorado

Colorado has no statewide general-contractor license — most general contractor licensing happens at the city or county level (Denver, Colorado Springs, and others each set their own rules). Electricians and plumbers are licensed at the state level through the Department of Regulatory Agencies (DORA). Confirm both the local and trade requirements where you work.

Because general-contractor licensing is local, bonding requirements vary by jurisdiction — many cities require a permit or license bond. Confirm with the building department where you pull permits.

Coverages Colorado contractors carry

• •General liability — generally intended to respond to third-party injury and property damage from your work, including completed-operations claims that surface after a job.
• •Workers’ compensation — required in most states once you have employees, and commonly required of subs by the GCs who hire them.
• •License / registration bond — a guarantee to the public required by many licensing bodies; distinct from your liability insurance.
• •Tools & equipment (inland marine) — optional coverage generally intended to address loss or damage to your own gear.
• •Commercial auto — for work trucks and vans; personal auto typically excludes business use.

Who needs it in Colorado

Common Colorado users include home builders and remodelers, roofers (a major Front Range storm exposure), electricians, plumbers, HVAC, and landscapers across Denver, Colorado Springs, Aurora, and Fort Collins.