Running a business comes with risks—but protecting it shouldn’t be a gamble. At Majeske Insurance, we help Colorado business owners secure comprehensive commercial insurance tailored to their industry, size, and specific exposures.
Whether you’re a small retail shop, contractor, restaurant, or professional service provider, we work with top-rated carriers to deliver coverage that meets your operational and legal needs while protecting your team, assets, and income.
No matter the industry, every business faces potential risks from property damage and employee injuries to lawsuits or cyber threats. A customized commercial policy helps protect your business from:
One incident could disrupt your entire operation. With the right insurance in place, you can focus on growing your business—while we handle the protection.
We tailor each business policy to your specific risks, but common coverages include:
Protects your business if someone is injured on your premises or due to your services/products.
Covers damage to your physical building, equipment, inventory, or business contents from fire, hail, wind, vandalism, and more.
Bundles general liability and property coverage into one affordable package—ideal for small and mid-sized businesses.
Required by law in Colorado. Covers medical expenses and lost wages for employees injured on the job.
Covers vehicles used for business purposes, including liability, collision, and property damage.
Essential for service-based businesses. Covers claims of negligence, errors, or omissions in professional advice or work.
Protects against losses from data breaches, hacking, and digital threats. Especially important if you store sensitive customer or financial data.
Provides additional liability protection above your primary policy limits for large or catastrophic claims.
We don’t just sell policies—we build protection plans that grow with your business.
A: The type of insurance you need depends on your industry, business size, number of employees, and specific risks. Most businesses start with general liability and property insurance, while others may also need workers’ compensation, commercial auto, or cyber liability. At Majeske Insurance, we’ll help you identify your risks and build a policy that fits your business operations.
A: Some types of business insurance are legally required in Colorado. For example, workers’ compensation insurance is mandatory for any business with employees, and commercial auto insurance is required if your company owns or operates vehicles. Other coverages, like general liability or property insurance, may not be legally required but are often necessary for contracts, leases, or client relationships.
A: The cost of commercial insurance varies based on several factors, including your industry, revenue, location, coverage limits, and claims history. Small businesses may pay a few hundred dollars annually, while larger operations may require more robust, higher-cost policies. We work with multiple carriers to find the most competitive rate for your specific needs.
A: Yes. Many small and mid-sized businesses benefit from a Business Owner’s Policy (BOP), which combines general liability and commercial property coverage at a reduced rate. Additional policies like cyber, auto, or professional liability can be added as needed. We’ll help you streamline coverage while avoiding gaps or unnecessary costs.
